Paul Sanchez
Aetna is a well-known insurance group that offers a wide range of health, dental, and vision insurance options for individuals and employer groups. The company has received recognition for its competitive rates, variety of plans, and large provider network. However, there have been mixed reviews regarding their customer service and medication coverage. As of 2025, Aetna ranks as the third-best health insurance company, with an overall score of 4.10 out of 5 stars. AM Best, a rating agency, has given Aetna an A rating for financial strength, highlighting its balance sheet strength and operating performance. Forbes Advisor's 2025 review praises Aetna's digital experience and low level of complaints, while customer reviews on ConsumerAffairs.com are more polarized, with some praising Aetna's support and others criticizing their medication coverage.
| Characteristics | Values |
|---|---|
| Insure.com ranking | 3rd best health insurance company for 2025 |
| Insure.com score | 4.10 out of 5 |
| AM Best financial strength rating | A (Excellent) |
| AM Best review | "balance sheet strength", "strong operating performance", "favorable business profile" and "appropriate enterprise risk management" |
| Forbes Advisor review | "Decent digital experience" |
| BBB rating | Highly rated |
| Customer satisfaction | High |
| Customer complaints | Over a thousand in the past three years |
| Number of health plans | Wide range |
| Number of insurance types | 6 (health, dental, vision, Medicare, Medicaid, life insurance) |
| Number of states covered | 50 |
| Number of medical providers | 1.8 million |
| Number of app downloads | Not available |
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What You'll Learn
Customer satisfaction
Aetna has received mixed reviews from customers. While some customers have praised the company for its smooth claims processes and helpful customer service, others have complained about its poor customer service and lack of medication coverage.
Aetna has received recognition for its low level of complaints about individual health plans, indicating high customer satisfaction. The company also ranked highly in a number of categories in a survey of insurance consumers, including its provider network and not needing referrals. Forbes also gave Aetna an A (Excellent) financial strength rating, highlighting its "balance sheet strength" and "strong operating performance."
On the other hand, Aetna has received criticism for its poor customer service. One customer review mentioned the difficulty in getting information about specific discounts and reward programs, while another complained about the lack of medication coverage and the hassle of having to call multiple pharmacies to get prescriptions filled.
Overall, Aetna ranked third on Insure.com's 2025 list of Best Health Insurance Companies, with a score of 4.10 out of 5 stars. The company also received a rating of 2.75 out of 5 stars from TrustedChoice.com, noting that while Aetna is highly rated by AM Best and the Better Business Bureau (BBB), it is not accredited by the BBB and has received over a thousand customer complaints in the past three years.
Aetna offers a wide range of health, dental, vision, and life insurance options for individuals and employer groups. The company provides a large provider network, online account management, and a mobile app to help members stay healthy. It also offers competitive rates for its Accendo final expense life insurance for seniors, with two types of plans: level and modified.
Customer reviews highlight both positive and negative experiences with Aetna. Some customers have praised the company for covering their medical needs, including hospitalizations and prescriptions, while others have expressed frustration with the lack of medication coverage and the difficulty in navigating their insurance plans.
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Affordability
When it comes to affordability, Aetna has received mixed reviews. While some customers have praised the company for its affordable plans, others have expressed concerns about the cost of its insurance products.
In terms of ratings, Aetna ranked in the top half of companies for affordability, according to Insure.com. However, other insurers in the ranking performed better in this category, with Molina taking the top spot. Aetna's health plans are available in the health insurance marketplaces, with an average monthly cost of $647 for an ACA marketplace plan. The company offers a range of Medicare Advantage Plans, Medicare Supplements, and standalone dental plans, which can provide affordable options for eligible individuals and seniors. Additionally, Aetna's Medicare prescription drug plans can help control out-of-pocket medication costs.
Aetna's value rating, which measures affordability compared to other insurance companies, considers monthly plan premiums, annual deductibles, annual out-of-pocket maximum limits, specialist fees, and emergency care costs. While the company's plans may offer low monthly premiums, customers should ensure that the coverage meets their needs for routine and emergency care.
Aetna also provides HSA options, allowing customers to save money before taxes to pay for deductibles and health-related expenses. The company's financial strength is reflected in its A (Excellent) rating from AM Best, indicating its ability to meet insurance obligations. However, it's important to note that Aetna's plans may not be available in all states, and customers should consider their specific state's offerings.
Customer reviews highlight both positive and negative experiences with affordability. Some customers have praised Aetna for covering their medical needs without any issues, while others have expressed frustration with unexpected out-of-pocket costs and medication coverage issues. Overall, while Aetna has a strong financial standing, customers should carefully evaluate their chosen plan's affordability and coverage to ensure it meets their individual needs.
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Breadth of policy offerings
Aetna is a leading health insurance provider with a wide range of insurance products. The company offers a variety of health, dental, and vision insurance options for individuals and employer groups.
Aetna offers Medicare Advantage plans (HMO, PPO, and POS) and Medicare Supplements to eligible seniors. They also provide standalone dental plans for individuals and families. For employer groups, Aetna offers insurance plans such as Aetna Choice® POS, Aetna Choice POS II, and Aetna Medicare Plan (HMO), among others.
Aetna also offers HSA options, allowing individuals to save money before taxes to pay for their insurance deductible and other health-related expenses. The company provides a large provider network and numerous member resources and benefits, including a member website and a mobile app called Attain by Aetna, which helps members stay healthy by combining health history with Apple Watch activity to offer personalized goals.
Aetna is owned by CVS Health, which provides members with benefits such as a $25 allowance every three months to shop at CVS Health and a 20% discount on CVS Health brand products. Aetna has a wide coverage area and does not require referrals. The company ranked third on Insure.com's 2025 Best Health Insurance Companies list, with an overall score of 4.10 out of 5.
While Aetna has received high ratings and reviews, it is worth noting that in terms of the breadth of policy offerings, health customers ranked other insurers higher. Additionally, while Aetna offers ACA plans, these are only available in 17 states.
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Financial strength
AM Best gives Aetna an A (Excellent) financial strength rating. This rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. AM Best highlighted Aetna's "balance sheet strength", "strong operating performance", "favorable business profile", and "appropriate enterprise risk management".
Aetna ranked third on Insure.com's 2025 list of the Best Health Insurance Companies, with an overall score of 4.10 out of 5 stars. The company offers a wide coverage area and three tiers of Affordable Care Act plans: bronze, gold, and silver. It also offers three types of health plans: health maintenance organization (HMO), exclusive provider organization (EPO), and preferred provider organization (PPO) plans.
Aetna has the highest premiums of the companies reviewed by Forbes, but it also has lower-than-average deductibles. Aetna stood out in Forbes' evaluation due to its low level of complaints about its individual health plans, indicating high customer satisfaction and smooth claims processes.
Aetna is owned by CVS Health, which provides members with a $25 allowance every three months to shop at CVS Health and a 20% discount on CVS Health brand products. In 2025, 88% of Aetna Medicare Advantage members were enrolled in plans rated 4 stars or higher by the Centers for Medicare & Medicaid Services (CMS).
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Range of insurance products
Aetna is a leading health insurance company, ranked third best in Insure.com's 2025 list of health insurance companies. It is part of the CVS Health group and offers a wide range of insurance products to cater to the needs of individuals, families, and employers.
Aetna provides health, dental, vision, and Medicare plans. The company offers Medicare Advantage plans (HMO, PPO, and POS) and Medicare Supplements to eligible seniors. It also provides standalone dental plans for individuals and families. Aetna has a large provider network of 1.8 million medical providers, including physicians, behavioural health providers, and MinuteClinic locations.
Aetna also offers Affordable Care Act (ACA) plans in 17 states, with access to an extensive network of doctors, specialists, hospitals, and walk-in clinics. These plans include $0 PCP visits, $0 preventive care, $0 MinuteClinic visits, and $0 virtual care. Additionally, members receive a $25 allowance every three months to shop for CVS Health brand over-the-counter wellness products and a 20% discount on CVS Health brand products.
For employer groups, Aetna offers various insurance plans, including HSA options, where employees can save money before taxes to pay for insurance deductibles and other health-related expenses. The company also provides a mobile app called Attain by Aetna, designed in collaboration with Apple, which helps members stay healthy by combining health history with Apple Watch activity to offer personalized goals and rewards.
Overall, Aetna has a good range of insurance products, with options for individuals, families, and employers, and a large provider network to meet the diverse needs of its customers.
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Frequently asked questions
Aetna is rated highly as an insurance group, ranking third on Insure.com's 2025 Best Health Insurance Companies list, with a score of 4.10 out of 5. It is also highly rated by AM Best and the Better Business Bureau (BBB).
Aetna has the lowest level of complaints about its individual health plans among the companies analysed by Forbes, indicating high customer satisfaction and smooth claims processes. It also has a wide range of insurance options, including health, dental, vision, and life insurance. Additionally, it offers a good digital experience, allowing customers to find top-rated doctors, manage their accounts, and submit claims online.
Despite its high ratings, Aetna has received some negative reviews from customers, particularly regarding its customer service. Some customers have reported issues with their prescriptions not being covered and having to make multiple phone calls to resolve problems.
