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?
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Available in 49 states and Washington, DC, with variations based on plan types
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Enjoy plan benefits like $0 preventive care, access to walk-in clinic visits
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Get care on your schedule with 24/7 virtual care plus
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 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 Premium | Yearly Deductible | Annual Out-of-Pocket Maximum |
| Aetna Medicare Select Plan (HMO) | $0 | $0 | $2,000 |
| Aetna Medicare Core Plan (PPO) | $0 | $0 | $3,900 |
| Aetna Medicare Value Plus Plan (HMO-POS) | $12 | $0 | $599 |
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 | Coverage | Part A Deductible | Part B Deductible | Part B Excess Charges | Skilled Nursing Facility Coinsurance | Foreign Travel Emergency Costs | Monthly Premium |
| A | Basic benefits only | No | No | No | No | No | $195.17 |
| B | Basic benefits + additional coverage | Yes | No | No | No | No | $246.98 |
| F | Basic benefits + additional coverage | Yes | Yes | Yes | Yes | Yes | $346.11 |
| High F | Basic benefits + additional coverage (coverage begins after meeting $2,200 deductible) | Yes | Yes | Yes | Yes | Yes | $64.72 |
| G | Basic benefits + additional coverage | Yes | No | Yes | Yes | Yes | $258.48 |
| N | Basic benefits + additional coverage | Yes (up to $20 for some office visits and up to $50 for ER visits) | No | No | Yes | Yes | $185.43 |
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:
| Plan | Primary Care | Specialist Care | Prescription Medications (Generic) | Monthly Premium | Yearly Deductible | Annual 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) | $417.14 | $6,200 | $7,500 |
| Silver 5: Aetna Network of Doctors & Hospitals + $0 Walk-in Clinic + $0 Virtual Care Options 24/7 (HMO | $50 per visit | $80 per visit | $25 | $510.95 | $8,395 | $8,885 |
| Gold 3: Aetna Network of Doctors & Hospitals + $0 Walk-in Clinic + $0 Virtual Care Options 24/7 (HMO) | $15 per visit | $35 per visit | $15 | $565.11 | $795 | $9,195 |
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.
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.
FAQ
Is Aetna offering good PPO plans?
Aetna offers the Aetna Open Choice PPO plan as one of its health insurance options. It has a relatively large network, with significant discounts for treatments or services within the plan's network. You don't need any referrals, either.
Does Aetna health insurance have positive reviews?
Aetna has gotten positive reviews. According to a recent J.D. Power study focused on insurers offering Medicare Advantage plans, it has high customer satisfaction ratings. Aetna has also been praised for providing inexpensive plans that serve the needs of many individuals.
How much Aetna health plan costs per month?
Health plan costs will vary depending on the exact plan you're enrolling in and your geographic location. Plans with greater coverage and lower deductibles will typically have higher monthly rates compared to plans with high deductibles and more limited coverage.
Does Aetna operate in Florida?
Aetna offers health and dental plans in Florida. In Florida, Aetna ranked in the top three companies with the highest customer satisfaction in the 2023 J.D. Power study of companies offering Medicare Advantage with the highest overall customer satisfaction.
6 resources
- Aetna. Get your premium rate quote today.
- Aetna. 2024 Aetna Medicare plans available in your area.
- Consumers Advocate. Aetna Health Insurance Review.
- J.D. Power. For Medicare Advantage Plans, Trust and Problem Resolution Closely Associated with Likelihood to Renew, J.D. Power Finds.
- Healthcare.gov. View health & dental plans.
- CVS Health. Eighty-seven (87) percent of Aetna Medicare Advantage members in 4-star plans or higher for 2024.
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