MMC Benefits Handbook
Cardiac Care
Aetna's Centers of Excellence, known as Institutes of Quality (IOQ) for Cardiac care is a special network of hospitals and other facilities known for quality care. Aetna's Cardiac IOQ facilities specialize in the following cardiac procedures: Rhythm (electrophysiology, ablation, pacemakers, defib); interventional (heart cath, PTCA - balloon opening artery of heart, stent); and surgery (CABG, valve with CABG, valve without CABG).
If you utilize a Cardiac IOQ, your inpatient surgery will be covered at 100% after the plan's in-network deductible. Prior authorization is required.
 
$400 Deductible Plan
$1,500 Deductible Plan
$2,850 Deductible Plan
Tier 1: Cardiac Center of Excellence (IOQ)
Covered at 100% after deductible
Covered at 100% after deductible
Covered at 100% after deductible
Tier 2: In-Network
You pay 20% after deductible
You pay 20% after deductible
You pay 30% after deductible
Tier 3: Out-of-Network
You pay 40% after deductible
You pay 40% after deductible
You pay 50% after deductible
See "Travel and Lodging" for information about reimbursement for travel and lodging expenses related to cardiac care.