Aetna Health Insurance Review: Cheap Rates but Limited Individual Plan Availability – ValuePenguin

With some of the cheapest rates available, aetna’s individual health plans are good for those on a tight budget, but the policies are only sold in eight states. the company’s medicare advantage plans also have low rates compared to the competition and are available in most of the us. uu. but customers are not completely satisfied with the service and handling of claims for any type of coverage.

aetna also sells stand-alone dental and vision coverage, as well as employer health plans, but does not currently sell short-term medical policies.

Reading: How good is aetna health insurance

Customers are pleased with aetna’s suite of member products and benefits, including an online portal and health-tracking applications that enable policyholders to better manage their health. Compared to the competition, aetna has above average financial ratings, but also receives slightly above average customer complaints.

aetna insurance plans and options

Along with employer health plans, aetna offers consumers individual health, medicare and dental and vision insurance policies. But those looking for a short-term medical plan will need to find coverage through another insurance provider, as aetna does not currently sell short-term policies.

employer health insurance

Employer health insurance is a health plan offered through your job. Companies can purchase employer plans from Aetna and provide them to employees. Employers can select what to include in their Aetna policies, which can include medical, dental, health, disability and life coverage. Please read your options carefully to confirm what your plan will and will not cover.

individual plans

individual plans are affordable care act (aca) policies you can buy through a state or federal health insurance exchange or through an aetna website. aetna’s aca rates are cheaper than many competing plans, making them a good option for those on a budget.

aetna currently offers policies here in the following states. The company plans to expand to select California counties in 2023.

plan options and costs

aetna offers bronze, silver and gold policies in all areas where plans are sold.

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Below are the options and costs for the aetna plan in florida. your costs will vary depending on where you live.

medicare advantage and supplement

aetna offers medicare benefits and supplemental policies to people currently enrolled in medicare parts a and b. these plans cover the gaps in original medicare (parts a and b).

aetna has three types of medicare advantage plans: ppo, hmo, and hmo-pos. Overall, Aetna has some of the cheapest Medicare Advantage coverage on the market, offering plans in 46 states and Washington, D.C.

If you don’t purchase a Medicare Advantage plan, Aetna also offers Medicare Supplement plans.

dental and vision insurance

Standalone dental insurance is available through aetna dental direct. Dental insurance covers all preventive services, such as dental exams, X-rays, and fluoride treatments, so there will be no additional out-of-pocket costs for these services.

aetna dental coverage is not available in all states. for example, new york residents cannot access these plans. if this is the case in your state, we recommend that you look for a different health insurer.

In other states, residents have additional purchasing options. each plan typically has a different monthly premium, deductible, and coinsurance level.

aetna also provides vision insurance policies. however, these plans are only offered in conjunction with employer health insurance and therefore cannot be purchased independently.

resources and benefits for members

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aetna member benefits and resources are above average compared to other providers. Health, dental and vision policyholders can access and monitor their policies through the Aetna online portal. Plus, customers can find doctors, medications, and any health formulary directly through the Aetna website and the Aetna Health app.

obtained by aetna

attain by aetna is the app policyholders can use to monitor their insurance plans. Aetna has also partnered with Apple to allow members to use the app on their Apple Watch devices to track their health in real time. members can track fitness goals and receive rewards for participating in healthy activities.

customer comments and complaints

If you’re looking for affordable health insurance with benefits for multiple members, then aetna is a good choice. many customers say the website and mobile apps are easy to use, but reviews are mixed when it comes to overall customer service.

aetna received 60% more complaints than other companies its size, according to the national association of insurance commissioners (naic).

customer satisfaction also scored a poor 796 on j.d. power medicare customer satisfaction survey. This number is slightly below the industry average of 809 and places Aetna sixth in J.D. overall power ranking.

Some aetna medicare advantage members reported problems getting care easily and quickly and dissatisfaction with plan doctors. These concerns resulted in low scores ranging from 2.5 to 3.5 on a scale of 5 from the National Committee for Quality Assurance (NCQA), which measures health plans on quality of care and patient satisfaction. the members. Fewer aetna medicare advantage plan members were satisfied with their access to care and prevention services, resulting in ncqa scores of 4 to 4.5.

Financially, aetna is among the strongest health insurance providers. the company has received an am best financial strength rating of a (stable). this means that the company is financially sound and has the ability to pay claims in the future.

methodology

We collected sample rates from CMS’s 2022 public use files for Aetna and other competitors to understand how Aetna’s prices for health insurance compared to the competition. We collected data from a single 40-year-old customer in Florida.

In evaluating aetna’s customer service and plan performance, we also considered your rating from naic, j.d. 2022 medicare customer satisfaction survey from power, am best and ncqa.

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