Ashley Dannelly has a Master of Arts in English and teaches English at Columbia International University and other higher education institutions. She is also a certified personal trainer with the American Council on Exercise and trains clients in both individual and group settings. Ashley’s background in English and fitness has allowed her the opportunity to write and create content for many ...

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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® Joel Ohman

UPDATED: Apr 21, 2022

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The Truth in a Nutshell

  • Aetna has been in business for over 150 years
  • Aetna sells Medicare supplement plans
  • You can buy complementary health and life insurance through Aetna

An accident or illness can happen to anyone, leaving them to seek medical care. Unfortunately, seeing a doctor or purchasing medications can be expensive.

That’s why it’s crucial to own a solid health and life insurance plan. If you don’t have any policies in place, there’s no need to frantically search for the top ten health insurance companies of all time or sign up for the first plan you see. Instead, free resources like this Aetna senior products review can help you discover the best company and senior products.

Keep reading this Aetna senior products review to learn more about this company and all that it has to offer you.

What is Aetna?

Founded as the Aetna Life Insurance Company, this illustrious company has been in business since 1853. Today, Aetna is a subsidiary of CVS Health.

Aetna is a titan in today’s insurance marketplace as its network includes over 20 million medical members, 650,000 primary care physicians, and 5,000 hospitals.

Although Aetna is over 100 years old, it is not stuck in the past. The Aetna insurance company offers state-of-the-art tools to improve the overall client experience, like virtual chat and member login portals. These tools allow you to view your Aetna insurance plans or file insurance claims at any time.

If you have questions or concerns about your Aetna policies, you can call 1-800-872-3862 or send a letter to Aetna Inc., 151 Farmington Avenue, Hartford, Connecticut 06156.

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What senior products does Aetna offer?

Aetna provides a comprehensive list of products for seniors, which include:

  • Medicare supplements
  • Complementary insurance products
  • Whole life insurance

With these products, you have complete protection from whatever may come your way. Each one focuses on a different area of coverage, so let’s examine these products more closely to discover which Aetna product may be the best fit for you.

Medicare Supplements

Medicare is a federally funded program that offers cost-effective healthcare, but it doesn’t cover everything. However, an Aetna senior supplemental product can fill in those gaps. With Aetna Medicare Advantage plans, you can get coverage for Medigap Plan F, Plan G, and Plan N. You can review the rates and deductibles for an Aetna Medicare Advantage here:

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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If you’re looking for a plan that can get you the most coverage, Plan F might be the best choice for you. It is the most comprehensive plan available, and you won’t have to worry about being left with any out-of-pocket expenses.

Complementary Insurance Products

While it’s great to have health insurance, some plans provide less coverage than others. You can rest easy knowing that you will get the care you need through the Protection Series if you suffer from a heart attack or a stroke.

You can also get coverage for dental, vision, and hearing through the Aetna Protection Series, but that’s not all that Aetna can do for you. The Protection Series will cover you if you ever need medical care in your home or schedule recovery care.

Whole Life Insurance

Alongside health insurance products, you can also purchase Aetna life insurance. Aetna’s whole life insurance is better known as “final expense insurance” since it is specifically designed to provide funds for a funeral or memorial.

Final expense insurance is typically inexpensive as the coverage amounts available are not high. You can use this data table to see how much an Aetna life insurance policy could cost you:

Average Female Monthly Aetna Life Insurance Company Preferred and Standard Rates by Age
AgeAetna Average Monthly Preferred Class RatesAetna Average Monthly Standard Class Rates
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Once you’ve secured your policy, ensure that your beneficiary knows how to access your policy and who to call if the worst should happen, so there are no unclaimed life insurance benefits. Without those benefits, your loved ones will have to dip into their funds to cover the costs of a memorial and funeral, which can easily exceed $10,000.

Does Aetna offer life insurance riders?

Aetna’s life insurance product may seem simple at first glance, but it does offer these riders to customize your policy:

Aetna Life Insurance Company Riders
RiderRider Description
Accelerated death benefitProvides up to 50% of the death benefit early if a physician provides written documentation of a qualifying medical event or condition.
Accidental death benefitCustomers that buy coverage between 40 and 70 years old will receive double the death benefit for an accidental death.
Children’s term insuranceProvides coverage for children up to 25 with the value ranging from $2,500 to $10,000.
Portability riderEnsures that you can take your policy with you if you change jobs or retire.
Waiver of a premiumWaives payments if a disability impacts your ability to work.
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As you can see, an Aetna life insurance policy doesn’t have to be cut and dry, and you can customize it to make it as unique as you are. If you’re unsure if an Aetna life insurance policy is the right choice for you, you can shop online for free insurance quotes. Requesting quotes from at least three companies is a simple yet effective step that can allow you to compare quotes side by side.

Ignore the initial price tag when comparing quotes. Examine what types of coverage are offered, along with the number of riders that you can add. Some companies offer riders that come free of charge, while others will be available at an additional cost.

What You Need to Know About Aetna Senior Products

Aetna senior products provide comprehensive coverage so you can be ready for anything. You can increase your health insurance coverage, purchase life insurance, and supplement your Medicare. While you should also compare free quotes from multiple companies to ensure you’re getting the best deal, Aetna could be a good choice for seniors looking for all-around protection.