What Is The Official Name Of My Medical Insurance?
Ok, my medical insurance says a lot of things: Aetna Signature Administrators PPO, UMR, PPO Plan…..
My question is: if I ask a doctor what medical insurance they accept, what do I say??? I’m really new to this whole thing and I have to learn on my own (asking parents/family is out of the question). Can someone explain?
You have PPO insurance.
Aetna is the insurance company
I don’t know what the UMR means. Is that something related to your company?
With PPO insurance you can go to any doctor you want, that includes being able to go to specialist.
If you go to a doctor that is “in network”, the insurance company will pay more than a doctor than “out of network”. “In network” means that they have signed a contract with Aetna.
In my area (Los Angeles) almost all doctors are In Network with Aetna.
Go to the http://www.Aetna.com and select “find a doctor” and you can find the kind of doctor you want and a list of them in your area that are “in network”.
Health insurance is insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.