Health Plans: Simplifying Your Options

health insurance benefits

Health insurance can be a complex topic, with a wide range of plans and coverage options to consider. If you’re feeling overwhelmed by the jargon and terms, fear not! We’re here to break it down for you and provide some clarity.

Understanding Health Plan Terms and Conditions

Before you dive into the world of health insurance, it’s important to understand the terms and conditions that may be associated with your coverage. Let’s take a closer look at some key points:

health insurance benefits

  • Precertification: This is the utilization review process that determines whether a requested service, procedure, prescription drug, or medical device meets the company’s clinical criteria for coverage.
  • Coverage: Different health plans have different coverage options. Some plans may include Aetna Choice® POS, Aetna Choice POS II, Aetna Medicare℠ Plan (PPO), Aetna Medicare Plan (HMO), and more. It’s important to review the specific benefits and services included in your plan.
  • Exclusions: Not all services are covered by health plans. Certain services that are deemed “never effective” according to professional standards of safety and effectiveness may be excluded from coverage.
  • CPT Codes: CPT (Current Procedural Terminology) codes are used to report medical services and procedures performed by physicians. These codes are essential for billing and determining coverage.

Licensing and Copyright Information

Now that we’ve covered the basics of health plan terms, let’s discuss the licensing and copyright information you should be aware of:

  • The use of CPT (Current Procedural Terminology) codes is authorized solely for personal use in participating in health care programs administered by Aetna, Inc.
  • The American Medical Association (AMA) holds all copyright, trademark, and other rights in CPT. Unauthorized use of CPT is prohibited.
  • Any use of CPT outside of the authorized scope must be obtained through the American Medical Association.


Q: How do I know which services are covered by my health plan?

A: It’s important to review the specific benefits and services included in your health plan. You can find this information by visiting the official website of your insurance provider or contacting them directly for more details.

Q: What should I do if I need a service that is not covered by my health plan?

A: If you require a service that is not covered by your health plan, you may need to explore alternative options. Consider discussing your situation with your healthcare provider or contacting your insurance provider to see if there are any potential solutions or accommodations available.


Navigating the world of health insurance can be overwhelming, but understanding the terms and conditions of your health plan is crucial. Knowing the ins and outs of your coverage will empower you to make informed decisions about your healthcare.

Remember, it’s always a good idea to review your health plan’s documentation and consult with your insurance provider if you have any questions or concerns. Stay informed, and take control of your health and well-being.