Aetna Health Insurance Review: Overview, Facts, Features, Plans, Pros and Cons

Aetna is one of the oldest and most well-known health insurance companies in the United States. Hartford, Connecticut, serves as the company's corporate headquarters. In each of the 50 states, Aetna offers insurance services such as health insurance, Medicaid insurance, dental insurance, pharmacy insurance, group life insurance, and disability insurance. A total of over 18 million health insurance policies are offered, along with roughly 13 million dental policies and 8 million pharmacy policies. More than 1 million healthcare professionals form a network that serves these policyholders. Aetna and CVS Health merged in 2018, and as a result, CVS now fully owns Aetna.

Main Points

One of the country's oldest health insurance providers, Aetna provides coverage in all 50 states.
Aetna is rated among the strongest insurers for financial stability by many respected rating agencies.
Aetna provides comprehensive customer service resources, such as a website and learning materials.
Aetna provides a wide range of insurance plans and products with individual and family coverage, budget-friendly choices, and preventative care. However, it doesn't provide short-term plans.

Customer satisfaction and financial stability

Ratings for Aetna's financial stability are excellent. Thanks to this crucial factor, you can trust that a health insurance provider will be able to handle customer claims. These are Aetna's ratings from the major insurance rating company:

"A" in the AM
Fitch: "A"
By Moody's: "A2"
BBB on Standard & Poor's

Eighty-four percent of current policyholders intend to renew their health insurance coverage, and customers rate their satisfaction as being at a 4 out of 5, according to a customer survey conducted by Insure.com. According to 77 customer reviews and 679 customer complaints, Aetna has an "A+" rating from the Better Business Bureau (BBB) but only receives a 1-star overall composite rating.

Resources for clients

The website offers a wealth of resources for users, such as the public education program "Plan for Your Health," which supports users by offering details on financial planning and health benefits. The purpose is to assist clients in making a more knowledgeable health insurance purchase. The Department of Health and Human Services and the White House Business Council recognised eight organisations in 2012 for their commitment to advancing health care equality, and Aetna was one of them. Customers with health insurance can browse plans on the Aetna website and search for a physician, dentist, or eye care professional. You can control your strategy and are able to:

View our pharmacy, dental, and health plans.
Compare the price of medical tests, procedures, and doctor visits.
Verify your deductible.
Keeping and sharing your medical history
Obtain information about your health.

Additionally, Aetna provides its customers with a mobile insurance application where they can manage their disability and absence benefits, view their health records, and access account information. You can also speak with a nurse 24/7 for medical advice. You can download the Aetna mobile app from the App Store or Google Play.

Exactly what products does Aetna provide?

Individual, family, Medicare, and employer health insurance products, are all available from Aetna to customers. You can also decide to open an HSA, or health savings account, which enables you to save money tax-free for use as a deductible on your insurance policy and other medical expenses. The website must be visited in order to fully explore all of Aetna's insurance options because there are many of them. Aetna's health insurance plans offer the following advantages: Options that Are Affordable: There are numerous insurance options that Can Fit Your Budget. The plan you choose will depend on how much cash you have accessible every month for doctor's visits and other services. There are variable plans with extensive coverage that are also reasonably priced. Health insurance plans from Aetna cover preventive care. This covers yearly check-ups with the doctor, vaccinations, and other preventive care procedures. Claims: When you receive healthcare from an in-network provider, there is no need to submit claims paperwork. Family Plans: Family plans cover preventative care, hospitalization, prescription drugs, doctor visits, and other medical expenses for you, your spouse, and your children. An advantage Aetna provides is the ability to fund an HSA (Health Savings Account) to assist with paying your insurance deductible or other medical expenses. Large Provider Network: Thanks to Aetna's extensive network of U.S. providers, care is never far away, even if you travel frequently.

What Benefits Makes Aetna Offer?

Choosing Aetna as your health insurance provider has several benefits. These consist of:

Excellent ratings for both financial stability and customer service
There are numerous options for supplemental health insurance plans and products.
Online, you can get a quote and purchase insurance.
A large selection of healthcare providers to choose from
Low-cost insurance options

What Are the Drawbacks to Aetna?

Utilizing Aetna has just one major drawback. Compared to some other carriers, it does not provide as many options for short-term insurance.

Aetna Contact Information

Visit the Aetna website or dial 1-800-US-AETNA (1-800-872-3862) between 7:00 a.m. and 7:00 p.m. ET to learn more about their insurance offerings or to request a quote. Dial 1-860-273-0123 if you're a resident of Connecticut.