Orlando Harmon
Aetna is a health insurance company owned by CVS Health. It offers a range of health insurance plans, including Affordable Care Act plans, employer plans, Medicare, Medicaid, dental insurance, and vision insurance. Aetna has received positive reviews for its low complaint level, high customer satisfaction, and smooth claims processes. However, some customers have criticised its high costs, hidden fees, and denial of coverage for certain services and prescriptions. Overall, Aetna is generally considered a good health insurance company, receiving 4.1 to 4.5 stars out of 5 in various evaluations.
| Characteristics | Values |
|---|---|
| Customer Satisfaction | High |
| Number of Plans | Many |
| Customization | Customizable for larger corporate clients |
| Coverage Area | Large |
| Provider Network | 1.8 million medical providers |
| Plan Types | HMO, EPO, PPO, Medicare Advantage, Part D, Supplement, Medicaid, Dental, Vision, Supplemental, ACA |
| Deductibles | Higher-than-average |
| Premiums | Low |
| Prescription Costs | High |
| Average Rating | 4.1-4.5/5 |
| Complaint Index Score | 0.26 |
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What You'll Learn
Aetna's customer satisfaction ratings
Aetna has received mixed reviews for its customer satisfaction ratings. While some customers have praised the company for its low premiums and extra perks, others have criticised it for its below-average customer service and high deductibles.
In terms of customer satisfaction, Aetna has received a range of ratings from different sources. Forbes gave Aetna a rating of 4.5 out of 5 stars in its 2025 health insurance evaluation, citing the company's low complaint level and low average ACA premiums. However, Investopedia selected Aetna as its top pick for customer complaint records, indicating that the company may have a relatively high level of customer dissatisfaction. Additionally, according to the National Association of Insurance Commissioners (NAIC), one of Aetna's largest companies has 7% fewer complaints than average for a company of its size, while the Aetna company in Texas receives over twice the average number of complaints.
Aetna's customer service has been described as "below average" by ValuePenguin, with the company's CVS Caremark Pharmacy also receiving a below-average rating from J.D. Power. Customers have reported issues with long wait times, denial of claims, and difficulties in reaching customer service representatives. Some have also expressed concerns about the company's use of algorithms to deny and cut services, as well as unexpected changes to their plans. On the other hand, one customer praised an Aetna employee, Dana Lawrence, for their outstanding customer service, demonstrating that individual experiences may vary.
When it comes to cost, Aetna is known for offering cheap health insurance plans, with rates lower than the national average. However, it's important to note that Aetna has higher-than-average deductibles, which can impact the overall affordability of their plans. Aetna also offers a range of plan options, including Affordable Care Act (ACA) plans, employer plans, Medicare, Medicaid, dental insurance, vision insurance, and supplemental insurance. The company's ACA plans are available in 17 states, and they have lower premiums compared to competitors like Blue Cross Blue Shield (BCBS).
Overall, while Aetna has received recognition for its low premiums and extra perks, there are concerns about its customer satisfaction and service. Customers have reported both positive and negative experiences, and it's essential to consider individual needs and priorities when choosing a health insurance provider.
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Aetna's Medicare Advantage plans
Aetna is owned by CVS Health and has been in the insurance business since 1853. It offers a range of insurance plans, including Medicare Advantage (Part C) plans. These plans are designed to take a holistic approach to health and include prescription drug coverage and additional benefits, with premiums starting as low as $0.
Overall, Aetna's Medicare Advantage plans offer a comprehensive range of benefits and services tailored to meet individual needs, with a focus on total health and wellness.
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Aetna's ACA plans
Aetna is a good insurance company, receiving 4.5 stars out of 5 in Forbes' Best Health Insurance evaluation. Aetna's ACA plans are available in 17 states and are offered in conjunction with CVS Health. These plans are available for individuals and families, with the added benefit of CVS MinuteClinic locations. Aetna's ACA plans cover mental health, prescription drugs, maternity and newborn care, and more.
Overall, Aetna's ACA plans offer a comprehensive range of benefits and coverage options, backed by a large network of healthcare providers. The plans are designed to meet the diverse needs of individuals and families, with a focus on affordability and accessibility.
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Aetna's prescription drug coverage
Aetna is a good insurance company, receiving 4.5 stars out of 5 in Forbes' best health insurance evaluation. Aetna has the lowest level of complaints about its individual health plans among the companies analysed by Forbes, indicating high customer satisfaction and generally smooth claims processes. Aetna is also Investopedia's top pick for customer complaint records and for managing chronic conditions.
Aetna offers a range of health insurance plans, including Affordable Care Act plans, employer plans, Medicare, Medicaid, dental insurance, vision insurance, and supplemental insurance. Aetna's Medicare plans include prescription drug coverage, with different tiers of coverage depending on the specific plan.
Aetna also offers prescription mail order services, which can help individuals save time and avoid running out of the drugs they need regularly. Aetna members can manage their prescriptions, sign up for mail delivery, view order status, find drug pricing, and identify savings options through the Caremark.com website.
It is important to note that Aetna's prescription drug coverage may have specific rules, such as prior authorization, step therapy, and quantity limits. Individuals should carefully review their plan information to understand the specifics of their drug coverage. Additionally, Aetna's prescription plans cover thousands of drugs, and members can find a list of commonly covered drugs by logging into their member website and entering their pharmacy plan name.
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Aetna's coverage of medical procedures
Aetna, owned by CVS Health, offers a range of health insurance plans, including Affordable Care Act (ACA) plans, employer plans, Medicare, Medicaid, dental insurance, vision insurance, and supplemental insurance. Aetna has a broad reach, covering 49 states plus Washington, D.C.
Aetna's plans vary in terms of coverage and costs, with some plans offering lower premiums but higher-than-average deductibles. Aetna provides a cost estimator tool on its website, allowing individuals to compare costs for doctor visits, medical tests, surgeries, and procedures.
Aetna generally does not cover cosmetic surgery and procedures that are not medically necessary. However, it provides coverage when the surgery or procedure is required to improve the functioning of a body part or is deemed medically necessary, even if it also improves or changes one's appearance. Certain surgeries are specifically excluded from the category of cosmetic procedures, such as surgery to correct injuries, post-mastectomy breast reconstruction, and surgery to treat congenital defects.
Aetna has received mixed reviews regarding its coverage of medical procedures. Some individuals have praised the company for its low complaint level and smooth claims processes, while others have criticised it for denying coverage for certain services and medications. It's important to carefully review the terms and conditions of any insurance plan, including Aetna, to understand what procedures and treatments are covered.
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Frequently asked questions
Aetna has received good reviews for customer satisfaction, receiving 4 stars in this category in a review by insure.com. It also received 4.5 stars out of 5 in a Forbes Advisor review. Aetna has the lowest level of complaints about its individual health plans among the companies analysed in the Forbes review. It also received a solid complaint index score from the National Association of Insurance Commissioners, with a score of 0.26, which is below the market average of 1.0.
Aetna offers Affordable Care Act (ACA) plans, employer plans, Medicare, Medicaid, dental insurance, vision insurance, and supplemental insurance. They also offer HMO, EPO, and PPO plans.
Aetna has a broad coverage area, covering 49 states plus Washington, D.C.
The cost of Aetna's plans depends on various factors, including age, location, plan type, and metal tier. Aetna's plans have low premiums but higher-than-average deductibles.
Some people have complained about unexpected costs with Aetna's plans, due to fine print that requires customers to pay the entire deductible before accessing advertised low prices. There have also been complaints about certain services and prescriptions not being covered.
