Aetna Health Insurance Company Review

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For those who need a health insurance and found Aetna Health Insurance in one of the recommendations, you might be wondering how good it is to the point it is recommended. If you want to know about the Aetna Health Insurance, here is the review for you.

About Aetna Health Insurance

Aetna is known as one of the best and oldest health care insurance providers in the United States. This one was founded in the year of 1853. It is headquartered in Hartford, Connecticut. The company sells a few insurance products in all 50 states, such as health insurance, Medicaid insurance, dental insurance, pharmacy insurance, group life insurance, as well as disability insurance.

In addition to approximately 13 million dental policies and 8 million pharmacy policies, Aetna provides more than 18 million health insurance policies. Every policy holder is serviced through a network of over one million health care providers.

A few years ago, in 2018 for the exact, Aetna decided to merge with CVS Health. Since the merger, it is now known as a wholly owned subsidiary of CVS.

As mentioned before, Aetna offers a lot of different kind of health, dental and vision insurance options for both individuals and employer groups. Unfortunately, the company did not continue offering the health insurance plans for the individuals in 2018. The main reason is due to the revenue losses on the healthcare marketplace. However, it does offer the Medical Advantage plans, including HMO, PPO and POS and Medicare Supplements to eligible seniors. Not only that, the company also offers standalone dental plans for both individuals and families.

Aetna Health Insurance Company
For the employer groups, there are several kinds of insurance plans offered by the company called Aetna offers, including:

  • Employer health insurance

Employer health insurance is described as a kind of health plan that is offered through your job. The ones that are able to purchase this plan are the business owners. They are the ones that can provide them to the employees. These business owners have an option to choose the things to include in their policies, that may include several things such as medical, dental, health, disability and life coverages.

  • Medicare advantage and supplement

For those who are currently enrolled in Medicare parts A and B, you are offered Medicate Advantage and Supplement policies by Aetna. Besides, the company will cover the gaps in your original Medicare plan. Apparently, Aetna Medicare Advantage plans are divided into three. These include PPO, HMO, and HMO-POS.

Things to Compare PPO plans HMO plans HMO-POS plans
Provider network requirements No one- out of network will cost more Yes, must use in network unless an emergency No one, out of network will cost more
PCP required? No Yes Sometimes
Required referrals for specialists? No Yes Sometimes
Monthly premiums $0 – $214 $0 – $178 $0 – $33
Deductible $0 – $1,800 $0 – $1,180 $0 – $500
Dental, vision and hearing coverage? Yes Yes Yes

As stated earlier, there are some Medicate Supplement plans offered by Aetna. Here is the breakdown of these plans:

Plan A Plan B Plan C Plan D Plan F Plan G Plan N
Medical Part A coinsurance 100% 100% 100% 100% 100% 100% 100%
Medical Part B coinsurance 100% 100% 100% 100% 100% 100% 100%
Blood (3 pins) 100% 100% 100% 100% 100% 100% 100%
Part A hospice care coinsurance 100% 100% 100% 100% 100% 100% 100%
Skilled nursing facility coinsurance X X 100% 100% 100% 100% 100%
Medical Part A deductible X 100% 100% 100% 100% 100% 100%
Medical Part B deductible X X 100% X 100% X X
Medical Part B excess charges X X X X 100% 100% X
Foreign travel emergency X X 80% 80% 80% 80% 80%
  • Dental and vision insurance

According to ValuePenguin, the stand-alone dental insurance is available through Aetna Dental Direct. Take note that all preventive services such as dental exams, X-rays and fluoride treatments are covered by the dental insurance. It means the patients do not have to pay extra fee for these services. Unfortunately, dental coverage is not available in every state. Connecticut and New York are two example of states where dental coverage is not available.

Pros

Aetna has a lot of good things. These pros include:

  • It is possible of you to get a quote and buy coverage online.
  • It has low cost insurance options.
  • It has a large selection of health care providers to choose from.
  • It has many supplemental health insurance products and plans.

Cons

Not only the good points, Aetna also has some minus points. One of the main cons to using Aetna is that it does not offer as many short term insurance options as some other competitors.

Conclusion

Aetna is included as one of the most recommended healthcare insurance providers in the United States. Overall, it is good as it offers a lot of things. Not only that, you will also be able to get a lot of benefits by using it. However, it does have some weak points. Now the decision is in your hand whether to sign up for this health insurance or not.

For more information about Aetna insurance products or if you want to get a quote, the best thing that you can do is to visit the official website of Aetna at https://www.aetna.com/. Please gather a lot of knowledge first before signing up for the company. If you want to talk directly to the representative of the company, you are encouraged to call the customer service by dialing the number 1-800-US-AETNA (1-800-872-3862). Feel free to call the number between 7:00 AM and 7:00 PM ET. If you are a member, you are able to contact the company by contacting the Member Service phone number on your ID card; logging in to your secure account and choosing Contact Us to be able to get the phone and email contact options; online chatting through the member website; contacting through social media such as Twitter and Facebook; and so on.

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