Orlando Harmon
Aetna and UnitedHealthcare are two of the major providers of health insurance plans in the US. Both companies offer a range of plans, including Medicare, Medicaid, and private insurance options, to meet the diverse needs of individuals and families. While Aetna has a greater percentage of highly-rated plans, UnitedHealthcare is the largest Medicare Advantage provider. With the complexity of health insurance, it is important to carefully consider factors such as age, health, and financial situation when choosing a plan. This includes evaluating costs, coverage, and customer service to ensure that individuals select the plan that best suits their specific needs and preferences.
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What You'll Learn
- UnitedHealthcare and Aetna are both major providers of Medicare Advantage plans
- Aetna offers health, dental, vision, and other insurance plans
- UnitedHealthcare offers a range of individual and family plan options
- Aetna Medicare Advantage plans offer a total, connected approach to health
- Aetna has a greater percentage of highly-rated plans
UnitedHealthcare and Aetna are both major providers of Medicare Advantage plans
UnitedHealthcare and Aetna are two of the major providers of Medicare Advantage plans in the US. Medicare Advantage plans, also known as Medicare Part C, offer all the benefits of Original Medicare (Part A and Part B) with additional benefits such as dental, vision, hearing, and prescription drug coverage.
UnitedHealthcare is the largest Medicare Advantage provider, with plans available in 87% of US counties in 2024 and more than 1 million providers in its network. It is also the most popular choice for Medicare coverage, with the highest number of enrollees nationwide. UnitedHealthcare's plans are highly rated, with Mickey C., an AARP Medicare Advantage member, praising the plan's wide range of in-network doctors, including specialists.
Aetna, on the other hand, has a greater percentage of highly-rated plans, with nearly 8 in 10 plans rated 4 stars or higher. Aetna's plans are available in 44 states and Washington, D.C., and offer benefits such as low copays and MinuteClinic access. One of the key advantages of Aetna's plans is the wide range of coverage, allowing enrollees to choose their preferred doctors without restrictions.
Both providers offer Special Needs Plans for dual-eligible beneficiaries (those eligible for both Medicare and Medicaid) and individuals with chronic conditions. Additionally, they each provide Medicare Part D prescription drug plans and Medicare Supplement Insurance (Medigap) plans to help cover out-of-pocket costs associated with Original Medicare.
When choosing between UnitedHealthcare and Aetna for Medicare Advantage plans, it is important to consider factors such as plan availability in your specific county, costs, doctor preferences, and the specific benefits offered by each plan.
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Aetna offers health, dental, vision, and other insurance plans
Aetna offers a wide range of health, dental, vision, and supplemental insurance plans to meet the needs of individuals and families, employers, healthcare providers, and insurance agents/brokers.
Aetna's health insurance plans include Medicare Advantage plans, which offer a wide range of coverage, low copays, and the convenience of choosing your own doctor. They also provide non-urgent virtual care through phone, video, or mobile app, and additional benefits such as rides to and from appointments and precooked meals after inpatient hospital stays.
Aetna's dental insurance plans provide access to a growing network of providers, making it easy for members to find a dentist, understand their plans, and receive the care they need.
Aetna's vision insurance plans, such as the Aetna Vision Preferred Direct™ plan, offer insurance coverage for eye health and eyewear, with access to thousands of independent eye doctors, top optical retailers, and online options.
Aetna's supplemental health benefits provide additional financial support to members, paying cash when they experience accidents, are diagnosed with critical illnesses, or have hospital stays. These benefits are designed to complement a member's medical benefits and support their overall well-being.
Aetna's plans are available in 44 states and Washington, D.C., and nearly 8 out of 10 plans are rated 4 stars or higher. It is important to note that plan availability may vary by location and specific ZIP codes, so individuals are encouraged to verify plan availability with a licensed insurance agent.
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UnitedHealthcare offers a range of individual and family plan options
UnitedHealthcare also offers short-term health plans, which can provide temporary coverage while you decide on a longer-term solution or if you have lost your previous coverage. These plans are designed to be your primary health insurance but do not offer the same benefits as ACA plans. They typically do not cover pre-existing medical conditions, and you must answer a series of medical questions to determine eligibility.
In addition to individual and family plans, UnitedHealthcare offers Medicare, Medicaid, short-term, and dental plans, as well as employer plans. When choosing a health insurance plan, it's important to consider factors such as your age, health, and financial situation. UnitedHealthcare offers coverage options to fit all kinds of budgets and life stages, and you can review the benefits and coverage of each plan before making a decision.
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Aetna Medicare Advantage plans offer a total, connected approach to health
Aetna Medicare Advantage plans include medical and prescription drug coverage, as well as other benefits such as dental, vision, and hearing care. You can also take advantage of instructor-led group fitness classes, online tools, and workshops to stay active and healthy.
One of the key benefits of Aetna Medicare Advantage plans is their coordinated approach to care. With their Medicare Advantage health maintenance organization (HMO) plans, you choose a primary care provider who helps coordinate your care within a network of Aetna Medicare providers and hospitals. This ensures you get the right care at the right time.
Aetna also offers Medicare Advantage preferred provider organization (PPO) plans, which give you the freedom to visit Medicare-approved providers in or out of their provider network who accept Aetna plan terms. Additionally, their Medicare Advantage targeted SNP plans are designed for those with specific chronic health conditions or those who are dual eligible with Medicaid.
Aetna's plans also include convenient features such as virtual care, where you can receive non-urgent medical assistance on your phone, video, or mobile app from the comfort of your home. They also offer rides to and from your appointments at no extra cost and provide pre-cooked meals after an inpatient hospital stay.
With their high ratings, wide availability, and focus on total health, Aetna Medicare Advantage plans offer a comprehensive and connected approach to managing your health and well-being.
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Aetna has a greater percentage of highly-rated plans
Nearly 8 in 10 Aetna plans are rated 4 stars or higher, and they are available in 44 states and Washington, D.C. Aetna's Medicare Advantage plans offer a wide range of coverage and low copays, and members are not limited in their choice of doctors. The plans also provide access to CVS pharmacies, which offer convenient features such as drive-up windows and text notifications when prescriptions are ready.
Aetna's Medicare Advantage plans have received high ratings in several specific areas. For instance, in 2025, 88% of Aetna's Medicare Advantage members were in plans rated 4 stars or higher, and more than two-thirds (68%) were in a 4.5-star plan. Aetna's largest MA contracts, covering approximately 2.9 million members, have consistently achieved high ratings. For example, the Aetna National Group PPO (H5522) plan with 1.4 million members has maintained a 4-star rating for 13 years, while the Aetna National Individual PPO (H5521) plan with 1.1 million members improved to a 4.5-star rating.
Aetna's plans have also been recognised for their high-quality performance in key domains measured by CMS, including Operations, Member Experience (CAHPS), Drug Safety, and Accuracy of Drug Pricing. In addition, Aetna scored in the top half of companies for affordability, and it received an above-average rating of 3.43 out of 5 stars from the National Committee for Quality Assurance (NCQA), which evaluates healthcare plans based on member satisfaction, among other factors.
Aetna's commitment to delivering customer satisfaction is evident, as it received an 83% approval rating in this category and about 87% of customers said they planned to renew with the company. Overall, Aetna was ranked the third-best health insurance company for 2025, with an impressive overall score of 4.10 out of 5.
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