Aetna Health Inc. offers a range of Aetna HMO (health maintenance organization) plans for individuals in various states and locations across the country. The two major types of Aetna individual plans are the Aetna Golden Medicare Health Plan and Aetna Golden Choice Health Plan. An Aetna Golden Medicare Health plan is a Medicare Advantage HMO plan that is available in cities in California, Arizona, New York, New Jersey, and Pennsylvania. Aetna Golden Choice is a Medicare Advantage HMO Plan that has out-of-network benefits. It is available in cities in New York, New Jersey, Maryland, and Pennsylvania. There are several types of Aetna HMO plans that are available in New Jersey including HMO 10, HMO 15, HMO 20, and HMO 30. An HMO 10 plan offers the lowest co-payments for doctors’ visits and covered medical services with lowest maimum out-of-pocket epenses and highest premium. HMO 15 offers low co-pays and low out-pocket medical epenses with low premium. The HMO 20 plan offers moderate premium, moderate co-pays, and out-of-pocket maimum. HMO 30 Plan has the lowest premium and the highest co-payments and maimum out-of-pocket ependitures. Additional Aetna HMO plans in Pennsylvania include Open Access HMO 10 Plan, HMO 15 Plan, and HMO 20 Plan. An Open Access HMO 10 Plan has a moderately high premium, has no deductible, low maimum out-of-pocket epenses, and low co-pays for covered services. HMO 15 Plan has no deductible, low out-of-pocket maimums and co-payments, and a moderate premium. HMO 20 Plan has no deductible and moderate out-of-pocket maimums with a low premium and moderate co-pays. -- June 26, 2009 @ 2:09 pm