Aetna or MCare?

Question

Which insurance is better Aetna PPO or MCare HMO?

Answer 1

aetna PPO. You can go to any doctor you wish. You can go to specialist without a referral.

HMO sucks, you have to use the doctors in their network, otherwise no coverage.

Answer 2

In America are citizens currently have a choice when they turn age 65, or when they become permanentely disabled (under 65). You are offered Medicare, once you qualify and receive parts A & B you can choose between HMO (if offered in your area, and Medicare Supplemental plans.
The truth is that most "expensive Zip codes" in the USA do not offer medicare HMO plans, for example in Santa Cruz Ca, and Carmel Ca. HMO is not an option for people over 65 with Medicare. So basically those folks can only purchase a Supplemental plan, if you plan on traveling around, or if you own properties in different areas then a Supplemental plan would work best. I am finding that most Seniors that I sell to that purchase Medicare Supplemental plans many times have several homes throughout America and live in different areas- and using a HMO is not convenient. Or the second problem is that the area where they live does not offer a HMO.
Of course if you are a limited budget a HMO is a great option, because they are little or no cost!.. Most people don't understand that the reason they are free is that when you elect a HMO, the Medicare premium is paid directly to the company you choose$$. Basically if I pick Secure Horizons, They will receive a check every month from Medicare for my medical care, it is a great money maker for HMO's!

I hope this helps, Medicare seems complicated but it really is easy! If you are in California feel free to call me directly.
Rudy Rivas, Health Insurance Expert Since 1991, President www.HSAInside.com
1 800 459 0515

Answer 3

No one can give you an accurate answer to this; it really depends on the SPD. But for the record, I always prefer PPOs to HMOs.