Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 25, 2021

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The Truth in a Nutshell

  • Aetna has been ranked among the best health insurance companies in the United States
  • Aetna offers a variety of individual and employee-sponsored health insurance, dental insurance, vision insurance, and other policies
  • Aetna has received an A rating from A.M. Best

The Aetna life insurance company was started in 1853 in Hartford, Connecticut. In 2018, Aetna developed into a subsidiary of CVS Health. Aetna has specialized in consumer health, accountable care, and health care innovation.

The wellness and health company provides insurance services for pharmacy services and small business health plans.

Aetna is among the health insurance companies that offer cheaper plans to their clients. They offer many programs that prove to meet their customers’ demands.

Continue reading this Aetna insurance review to gather more information about this company. Enter your ZIP code into our free quote comparison tool above to find affordable health insurance quotes.

What types of insurance does Aetna offer?

Aetna offers multiple types of insurance, including Medicare and Medicaid plans, health insurance, dental and vision insurance, and life insurance.

Medicare and Medicaid Plans

Aetna sells Medicare Advantage, or Medicare Part C, plans. This includes original Medicare services, plus additional benefits covered by Aetna.

Premiums can be as low as $0 per month. Aetna also offers three different prescription drug plans or Medicare Part D.

In addition, Aetna sells Medicare supplement plans so you have higher coverage limits.

Aetna offers Medicaid plans in select states, including Arizona, California, Florida, Illinois, Kansas, Kentucky, Louisiana, and more.

Health Insurance

Aetna offers health insurance through employers, direct to consumers, for students, as well as international plans.

Employer-sponsored plans can vary in coverage types and levels. If you want to learn what benefits you have, you can access your policy on the Aetna members’ website using your Aetna policy number on your ID card.

Aetna also offers health insurance plans made specifically for federal employees.

Aetna’s individual health insurance plans consist of a health savings account from Payflex that allows you to save throughout the year for health-related expenses. You can also invest the money for more growth potential.

Aetna substance abuse insurance is offered through participating Aetna drug rehab facilities.

To qualify for an Aetna student health insurance policy, your college or university must be on the list of participating educational facilities.

Multiple options are available for people who are living and traveling internationally. These policies offer coverage up to $5 million.

Dental and Vision Insurance

The Aetna Dental Direct plan offers full coverage of preventative care with no out-of-pocket expenses. There is no waiting period for major services if you switch from a comparable plan.

Aetna also offers a dental discount savings card for as low as $7.99 per month. While this is not insurance, it gives discounts ranging between 15% and 50% off.

When you have an Aetna Dental Direct plan, you can also add on an Aetna Vision Preferred plan.

Life Insurance

Aetna offers group life insurance through some employers. The coverage details will depend on what is offered by your employer. For questions, you may contact your employer’s human resources department.

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How much is Aetna insurance?

Let’s take a look at some sample rates for Aetna’s Medicare Advantage plans:

Aetna Medicare Advantage Plans Rates & Deductibles
PlansMonthly PremiumsDeductible
PPO Medicare Advantage Plan$0 - $214$0 - $1,800
HMO Medicare Advantage Plan$0 - $178$0 - $1,180
HMO-POS Medicare Advantage Plan$0 - $33$0 - $500
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Aetna life insurance rates vary depending on the type of policy chosen, your location, and whether you purchase individually or through your employer.

What are Aetna’s industry ratings?

Aetna has been awarded an A rating from AM Best, which indicates that they are financially stable and should be able to meet their financial obligations, such as paying claims.

Aetna also has an A+ rating from the BBB.

Unfortunately, Aetna has a 1.50 NAIC complaint index, which is higher than the 1.00 national average. This means that Aetna gets more insurance complaints than companies of a similar size.

How can I get quotes or file an Aetna claim?

Getting individual Aetna life insurance quotes online is easy. However, the process varies slightly depending on the type of insurance you want to know more about.

For example, to open a PayFlex account, you’ll be directed to its website, but for Medicare plans, all you need to do is enter your ZIP code on the Aetna website to be shown rates.

If you’re considering buying Aetna insurance from your employer, you should discuss your options with your human resources department.

Typically, health insurance claims are filed by a healthcare provider, so you often don’t need to deal with this portion of your insurance. However, in some cases, you may want to file for reimbursement or extra coverage.

You can submit a claim with Aetna online since it is the most efficient method. To submit your claim online, you can do so through Availity, a vendor, or using a coordination of benefits (COB) claim.

In addition, you can submit your claims at Aetna insurance company using fax, email, or traditional mail. The proper contact information for your policy should be included in your paperwork from Aetna.

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How can I contact Aetna?

You can contact Aetna by calling them at (800) 872-3862 between 8:00 AM to 6:00 PM EST. However, this phone number can only give you additional contact information for your specific policy.

Aetna’s mailing address is Aetna Inc., 151 Farmington Avenue, Hartford, CT 06156.

In addition, you can log in to your member account and send them an email or find them on Twitter @Aetna or @Aetnahelp.

Should I buy Aetna life insurance?

If you have access to Aetna insurance through your employer, it may be an affordable option that provides you with basic coverage. However, individual policies may not provide enough coverage to be used as primary health insurance.

Aetna insurance company has been highly rated by the BBB and AM Best, as it is a financially stable and well-established insurance company.

It offers HSAs, nationwide coverage, and other wellness programs. Moreover, it has good customer service, which can easily be accessed online or by phone.

If you require personal health insurance, Aetna may be a good option for supplemental or secondary health insurance.

If you’re unable to find affordable Aetna life insurance rates, enter your ZIP code in the free comparison tool below to find health insurance companies in your area.