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Aetna Health Insurance Review in 2024: Different Plans Compared

Aetna is an insurance company providing coverage to many individuals. With Aetna, individuals can get health insurance policies for themselves, their families, and/or employees, and there may be options for additional benefits. This company has an overall positive reception, and its customer support services are easily accessible over the phone. However, its affordability and plan availability both hinge on the plans offered where you live.

About Aetna insurance

Aetna has been operating for 170 years. In 2018, Aetna partnered with CVS. This company has earned a reputation for providing low-cost coverage while appealing to many individuals. Its customer satisfaction has been highlighted as one of its strengths. Currently, Aetna offers various health insurance plans throughout the U.S., like PPO, EPO, and HMO plans. These plans are designed for individuals, families, and employers. The costs and coverage will vary based on the type of policy you enroll in and what is available in your zip code.

Is Aetna good insurance?

Provider overview
On insure.com Website

Aetna is considered a reliable and trustworthy company with various affordable policies. Its coverage extends beyond traditional health insurance - policyholders can also enroll in dental, vision, and prescription drug plans to address other coverage needs. Rates, coverage, and networks will depend on your location, as plans are specific to zip codes. Certain plans may not be available in your area.

Aetna has provided insurance since 1853 and is one of the largest health insurance companies, providing its services all throughout the country. It fares well against its competitors. In a 2023 J.D. Power study, Aetna had high overall customer satisfaction rankings in multiple states where it offers its coverage. Its Medicare policies have a positive reputation as well.

Those looking for a low-cost health insurance plan may consider Aetna based on its offerings and critical reception.

Pros and cons of Aetna health insurance plans

Aetna health insurance provides its services at affordable rates while giving policyholders access to tools that give them extra convenience. Here are some of the benefits and drawbacks of getting insurance through Aetna.

Where does Aetna operate?

Aetna operate

Aetna has been distinguished as being the best insurance company for young adults and families.

It offers plans in all 50 states and Washington, D.C. However, certain Aetna services and benefits are unavailable to individuals living in certain states.

For example, Aetna D-SNP policyholders can get an Extra Benefits Card, which allows for discounts on purchases such as healthy food, transportation, items for personal care, and rent. However, this is unavailable to those living in California and Indiana.

The Aetna Vital Savings Program is available in all states with the exception of Montana and Vermont.

As for dental coverage, a plan is only available in four states. That plan is the Aetna Dental Direct Preventive PPO, and only Maine, Florida, Arizona, and California residents can access it.

What plans does Aetna offer?

Aetna covers individuals, families, and employers. The featured plans include individual plans, employer health insurance, Medicare Advantage and Medicare Supplement Plans, and dental insurance. Individual plans can be purchased through the ACA marketplace. Coverage for employees is based on business size. Medicare Advantage and Medicare Supplement Plans are reserved for those eligible for Medicare benefits. Dental insurance comes in the form of PPO plans with varying degrees of coverage.

Individual plans

Aetna offers individual and family plans available for purchase on the ACA marketplace. Like other marketplace plans, Aetna has plans available in different tiers. The lower the tier, the cheaper the monthly rates, but at the same time, it won't have as much coverage as a plan in a higher tier.

Plans can vary for coverage outside of your provider network. Plans may also include benefits such as dental, vision, and hearing coverage. Some plans may even have fitness benefits in addition to their health coverage.

Employer health insurance

Aetna provides employer health insurance based on the number of employees an employer has. There are plans for businesses with two to 100 employees, 101 to 4,999 employees, and plans for companies with 5,000 employees and above. Available plans include HMO, PPO, indemnity, and EPO policies. There is also group dental and vision coverage and employer health coverage.

Employers with older employees may want to consider Aetna's group Medicare coverage. Group Medicare plans can be with or without prescription drug coverage. Rates may vary according to where you are located.

MA and Medicare Supplement

Here is a breakdown of Aetna's Medicare Advantage policies available in Los Angeles, CA (zip code 90001):

Medicare Advantage Plan
Monthly PremiumYearly DeductibleAnnual Out-of-Pocket Maximum
Aetna Medicare Select Plan (HMO)$0
Aetna Medicare Core Plan (PPO)$0
Aetna Medicare Value Plus Plan (HMO-POS)$12

With Medicare Supplements, all plans feature coverage for Part A hospital and coinsurance costs, first three pints of blood, Part B coinsurance or copayment, and Part A hospice coinsurance or copayment. However, here is the plan selection available in the same zip code that shows how these plans differ based on a male individual who is 65 years old and wants coverage starting in February 2024:

Medicare Supplement Plan
Part A Deductible
Part B Deductible
Part B Excess Charges
Skilled Nursing Facility Coinsurance
Foreign Travel Emergency Costs
Monthly Premium
ABasic benefits only
BBasic benefits + additional coverage
FBasic benefits + additional coverageYesYesYesYesYes$346.11
High F
Basic benefits + additional coverage (coverage begins after meeting $2,200 deductible)
GBasic benefits + additional coverageYesNoYesYesYes$258.48
Basic benefits + additional coverageYes (up to $20 for some office visits and up to $50 for ER visits)

Dental insurance

Aetna offers Aetna Dental Direct Preferred PPO and Aetna Dental Direct Core PPO as its dental insurance options. Residents in Maine, Florida, California, and Arizona have access to Aetna Dental Direct Preventive PPO.

Aetna's dental plans are listed as having a $0 cost for preventive care. However, plans differ regarding what you'll pay for basic and major procedures. Plans typically have a maximum annual benefit, except Aetna Dental Direct Preventive PPO. In addition, Aetna beneficiaries can get further discounts through the Aetna Vital Savings card, which can reduce costs for services such as orthodontic treatment and appliances.

How much is Aetna insurance?

Aetna's costs are heavily dependent on where the individual lives. These are the plans available in Atlanta, Georgia (30301 zip code), with rates based on what a 35-year-old could expect to pay:

PlanPrimary Care
Specialist Care
Prescription Medications (Generic)
Monthly PremiumYearly DeductibleAnnual Out-of-Pocket Maximum
Bronze 2 HSA: Aetna Network of Doctors & Hospitals + Walk-in Clinic + Virtual Care 24/7 (HMO)
50% coinsurance (once deductible is paid)
50% coinsurance (once deductible is paid)$25 copay (once deductible is paid)
Silver 5: Aetna Network of Doctors & Hospitals + $0 Walk-in Clinic + $0 Virtual Care Options 24/7 (HMO
$50 per visit
$80 per visit
Gold 3: Aetna Network of Doctors & Hospitals + $0 Walk-in Clinic + $0 Virtual Care Options 24/7 (HMO)
$15 per visit
$35 per visit

Aetna health insurance reviews and ratings

Aetna health insurance has received a positive reception. J.D. Power published a study showing overall customer service satisfaction ratings for companies offering Medicare Advantage policies in 2023. In this study, Aetna ranked third highest in customer service satisfaction for companies offering Medicare Advantage plans in Florida, eighth in New York, sixth in Texas, and fourth in Pennsylvania.

In a review posted on ConsumersAdvocate.org, Aetna was noted as a company offering the least expensive health insurance plans while providing programs to assist their customers' needs.

87% of Aetna's Medicare Advantage members are enrolled in Medicare Advantage plans that include Part D prescription drug coverage, and these plans obtained a Medicare Star rating of 4 stars or more (out of 5 stars), representing an improvement in quality from the previous year.

How to contact Aetna's customer support

There are a few ways to contact Aetna's customer support. One way is to write to them. You can send a letter to their address in Hartford, CT.

You may also reach them by phone by calling the phone number on the back of your Aetna member ID card.

Touchpoint information
Call centers are open from 8 AM to 8 PM, Monday through Friday between April 1 and September 30. At 8 AM to 8 PM from October 1 to March 31, all seven days of the week.

Finally, you can contact Aetna on their X page (formerly Twitter).

Aetna member resources and tools

Aetna has provided an easy and convenient means for its policyholders to access their accounts. The Aetna Health app is available on Google Play for Android users. iPhone users can download the app through the App Store. With this app, policyholders can easily track claims and clearly understand how close they are to meeting their deductible. It's useful for gathering cost estimates for various procedures and seeing doctors within the plan's network. This app also gives you access to your ID card if you misplace your physical insurance card. In addition to this, the app can help reinforce positive health habits by sending personalized alerts.

Aetna gives variety at relatively low prices, but in the end, it is always best to look into what is available in your area. It will be worth considering if Aetna meets your criteria for the coverage you need while also fitting your budget.


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