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The following table lays out some of the differences between the Aetna National HMO and the United Healthcare in 2013. The table is illustrative, not comprehensive; refer to the summaries of benefits of each plan.

Comparison of 2013
Coverage
Aetna HMO United Healthcare Choice Plus POS
ANNUAL DEDUCTIBLE None in Network NETWORK ONLY
None
Out-of-network
$500 per person
$1,500 per family
Annual Out-of-Pocket Maximum (excludes deductible) None in Network Out-of-network$2,100 per family
$6,300 per family
Routine and Preventive Services
(include routine physicals, gynecological exams (1 per year)
hearing exams (performed during a routine physical (1 per year)
vaccinations, inoculations, immunizations
Pap tests (1 per year)
Mammograms (1 per year age 40+)
PSA screenings (2 per year age 40+) and allrelated routine X Rays and labortaory services.
Routine sigmoidoscopy (1 every 2 years age 40+)
Routine colonoscopy (1 every 10 years, age $50+)
None in Network $0 copay in Network
30% Out-of-Network
Primary care physician
required
Yes No 
Referrals needed for
network care
Yes No
Pre-certification required
for many services
Yes Yes
Office copay – Primary
care MD
$25 $25
After hours/ home visits $25 $25 You pay 30% for out-of-network services
Routine physicals $0 $0
Office copay- specialists $25 $25You pay 30% for out-of-network services
Outpatient Mental Health $25 copay[services provided only through CIGNA Behavioral Health not through AETNA] You pay 30% for out-of-network services [services provided only through CIGNA Behavioral Health not through AETNA] $25[services provided only through CIGNA Behavioral Health not through UHC] You pay 30% for out-of-network services [services provided only through CIGNA Behavioral Health not through UHC] copay
Inpatient Mental Health Copay of $100 per day not to exceed $600 (services provided only through CIGNA Behavioral Health not through AETNA) Copay of $100 per day not to exceed $600 (services provided only through CIGNA Behavioral Health not through UHC)No out of network benefit
Emergency room care[when not admitted to
hospital]
$100 waived if admitted $100 copay waived if admitted
Urgent care $50 $35You pay 30% for out -of-network services
In-patient hospital
admission
$150 per day to a maximum of $600 $100 per day to a maximum of $600
Outpatient surgery $250 $200
Organ transplants Hospital copay applies, then youpay 0% if an Institute of Excellence (IOE) facility is used No CopayYou pay 30% for out -of-network services
Anesthesiology Services No copay No copay

You pay 30% for out -of-network services

Ambulance Services(emergency only) No copay No copay
Maternity

Prenatal Care

$25 copay for first office visit only $25 copay for first office visit only
MaternityInpatient Services Copay of $150 per day not to exceed $600  Copay of $100 per day not to exceed $600
Acunpunture  $20 copay $25 copay
Allergy Testing (injections)  $20 copay $25 copay
Durable Medical Equipment (DME)  No copay   $25 copay for diabetic supplies only
Outpatient Therapy $20 copay (includes hearing/speech, physical and occupational) (60 visits per year per each type of therapy) $25 copay (includes hearing/speech, physical and occupational) (60 visits per year per each type of therapy)
Smoking Cessation Program ($200 per person per year max.) No Copay
Surgical Treatment of Morbid Obesity $150 copay per  day not to exceed $600 Same as inpatient hospital benefit – in network
Home Health Care No copay (210 visits per year) $25 copay (210 visits per year)  in network
You pay 30% for out-of-network service