Aetna Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Aetna Insurance Score
2.75 Stars
We award Aetna a final rating of 2.75 out of 5 stars. Aetna is highly rated by AM Best and the Better Business Bureau (BBB) and offers a variety of health plans for employer groups and a limited number of plans (Medicare supplements, dental plans) for individuals and families. However, the company is not accredited by the BBB and has had over a thousand customer complaints filed against it in the past three years.
Aetna is one of the nation’s oldest and leading healthcare insurance providers. Founded in 1853, it is headquartered in Hartford, Connecticut. Aetna was acquired by CVS Health Corp. in 2018 and is now the third-largest provider of health insurance and services. Coverage is currently sold in 17 states.
Aetna’s plans offer coverage for hospitalization, office visits, immunizations, and other types of preventive care services. Members also have access to HSA plans (available for high-deductible plans).
Members are given access to a variety of health and wellness resources through the carrier’s mobile app, Attain by Aetna. Aetna has a large provider network, and most plans also cover out-of-network providers at a lower amount. Plan types include HMO, POS, PPO, EPO, and high-deductible health plans with HSA.
We dislike that the carrier does not work with independent insurance agents, which limits how and where individuals and employers can access coverage. The large volume of customer complaints is also an important factor that can't be overlooked. Overall, we recommend looking into other insurance companies before choosing Aetna to be your next trusted carrier.
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Aetna Insurance Products by Type
Aetna offers a variety of health, dental, and vision insurance options for individuals and employer groups. The company stopped offering individual health insurance plans in 2018 due to revenue losses in the healthcare marketplace. However, the company offers Medicare Advantage plans (HMO, PPO, and POS) and Medicare Supplements to eligible seniors.
It also offers standalone dental plans for individuals and families. For employer groups, Aetna offers the following types of insurance plans:
Health Insurance:
- Employer health insurance
- Group dental insurance
- Group vision insurance
- Group disability insurance
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
What Discounts Does Aetna Offer?
Aetna does not make information about its specific discounts or reward programs readily available. Interested customers will have to work with an agent or broker or contact the carrier directly to find out more about savings opportunities.
Aetna Customer Service
To learn more about Aetna insurance products or to receive a quote, visit the Aetna website or call 1-800-US-AETNA (1-800-872-3862). Aetna provides the following customer service options and availability:
- Phone
- Snail mail
- Online chat
- Mobile app
- The member website can help policyholders find doctors, forms, medicines and costs, pay premiums, get an ID card, check claims, and view coverage
The customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 7:00 am - 7:00 pm | ||
| Saturday | 8:00 am - 4:00 pm | ||
| Sunday | 8:00 am - 4:00 pm |
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Aetna Insurance FAQs
The provider, not the member, typically files health, dental, and vision claims. Aetna does not report an average claims response time.
Aetna’s website provides extensive tools, resources, and support for members. The carrier is available via phone, email, online chat, or snail mail. The customer service phone department is available at extended hours during the week and standard hours on weekends. The company also offers the Aetna Vision Preferred app and the Attain by Aetna wellness app, which allow members to earn rewards for healthy behaviors.
Health, dental, and vision claims are typically filed by the provider. Claims are paid according to the benefits spelled out in your specific plan. After the provider submits the claim, Aetna will pay according to your plan. You’ll receive an explanation of benefits (EOB) describing what has been paid by Aetna, and what, if anything, you owe. You’ll receive a bill from your provider for any balance to be paid by you.
Aetna offers a wide variety of options for its members. Customer service capabilities are numerous both online and through the company’s mobile app. Members are encouraged to use the phone number provided on their member ID card for personal service, but most day-to-day service can be accomplished online or via the app. Aetna creates a very user-friendly experience for its customers.
Aetna offers a wide range of individual and employer health insurance products. The company also offers HSA options where you can save money before taxes to pay for your insurance deductible and other health-related expenses. The company provides a variety of plan options that include coverage for preventive and feature a large provider network.
Aetna also offers numerous member resources and benefits, including a useful member website and a mobile app. Additionally, a separate mobile app called Attain by Aetna is available to help members stay healthy. Designed in collaboration with Apple, the Attain app combines a member’s health history with Apple Watch activity to offer personalized goals, achievable actions, and rewards for hitting certain milestones.
Aetna was founded in 1873, and is now a member of the CVS Health group. It is the nation’s third-largest provider of health insurance and related services, and provides health, dental, vision, and Medicare plans to individuals and employer groups. It has received high ratings from AM Best and the BBB. Customer feedback is generally positive. Overall, Aetna can be considered a good insurance company.
Aetna's insurance products may be right for individuals or groups seeking various forms of health insurance, including dental, vision, and disability insurance. Coverage is only available in 17 states.
https://www.aetna.com
https://www.bbb.org/us/ct/hartford/profile/insurance-companies/aetna-inc-0111-71
https://news.ambest.com/PR/PressContent.aspx?refnum=35013&altsrc=9