Now that you have your plan, it is time to choose the insurance company that’s right for you! The HRA, EPO and HSA plan designs are the same for both carriers – each plan type has the same deductibles, copays, max out-of-pocket and so on. So, what’s the difference between Aetna and UnitedHealthcare?
The big thing to pay attention to is whether the doctors you care about are in-network with Aetna or UnitedHealthcare. After that the differences are pretty small. Check out the chart below to understand more about how the plans vary, and visit the insurance company websites to find out if your doctor is in-network.
|Network||Check out the Aetna website to see if your doctor is in-network||Check out the UHC website to see if your doctor is in-network|
|Using your HRA debit card||You can use your HRA debit card for prescriptions only.
For other medical charges your HRA account will pay your doctor directly when they submit your claim.
You will receive a reimbursement check for any copays that you paid at the time of service
Use your HRA debit card for prescriptions, office copays or other medical costs at the time of service
If you forgot your HRA debit card, or choose not to use it at the time of service, you will receive a reimbursement check.
|Viewing your claims||View your medical claims on AetnaNavigator.com and Rx claims on OptumRx.com||View your medical and Rx claims all on myUHC.com|
When you’re ready to make it official, click the ENROLL tab at the top and follow the steps.