5 Aetna Health Insurance Plans to Know

by Mousumi Mukherjee
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Want to purchase health insurance in the USA that will give you diverse medicare advantages as well as Medicare supplement policies? Are you searching for a health insurance company with a strong financial backbone and exceptional customer service? Then, Aetna Health Insurance is ready to serve you! 

It’s so easy to comprehend the details of this health insurance. Just go to the authentic site of Aetna (www.aetnainternational.com), explore it, and read its details. Congrats! You are done!

Though Aetna health insurance plans don’t include short-term or individual health insurance, this company is promising if you want any other kind of health insurance or Medicare advantage. 

Moreover, the superior app experience, the cheap medicare advantage, and the strong financial ratings of the company make it one of the best health insurance companies in the U.S.

But, what are the insurance plans or options that come under Aetna? And, what kind of benefits will you get after enrolling yourself in Aetna? Let’s see:

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What is Aetna Health Insurance? 

It’s a health insurance company that offers its customers several health insurances, vision as well as dental policies. However, it doesn’t sell individual schemes on health marketplaces currently. So, if you require individual health insurance, you have to look for a different medical insurance provider. 

The company, Aetna, proposes a suite of derivatives and member benefits. It includes an online portal. Also, it encompasses health-tracking apps, like the “Attain by Aetna” app, that helps those who are policyholders manage their health better.

If compared with its competitors, Aetna is standing above average in its financial ratings and receives less than average consumer complaints. 

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Aetna Health Insurance Plans Or Options

Aetna Health Insurance Plans
Aetna Health Insurance Plans

In 2018, Aetna Health insurance company withdrew its health insurance schemes from the state marketplace of the U.S. Instead, it sells the following health insurance plans to its customers. 

1. Dental & Vision Insurance

Aetna Dental Direct sells stand-alone dental insurance. This insurance covers every kind of preventive service. 

These preventive services include dental exams, fluoride treatments, performing X-rays, etc. So, you will not be charged any additional costs while going through this treatment. 

Some States like New York & Connecticut are exempt from this Aetna health insurance dental coverage. So, the inhabitants of those states have to look for other health insurers. In states where this dental coverage is acceptable, the residents are given additional purchasing preferences. All the plans possess different levels of monthly deductible, coinsurance, and premium. 

For example, in the case of the Aetna Dental Direct plan with preferred PPO, the deductible amount is $50 for individuals and $150 for families. Its coinsurance level is 20 percent for basic, 50 percent for Major, and 0 percent for preventive costs. And its premium level depends on the insured age and the number of dependents. 

In the case of Aetna Dental Direct Co PPO, the deductible amount is $50 for individuals and $150 for families. Its coinsurance level is 50 percent for basic, 50 percent for Major, and 0 percent for preventive costs. And its premium level depends on the insured age and the number of dependents.

Besides this, Aetna can also provide you with vision insurance policies, though they are proposed along with health insurance for employers. So, you will be unable to purchase these policies of Aetna on a stand-alone footing. 

2. Aetna Medicare Advantage Or Medical Supplements:

Those people who are enrolled in Medicare part A and Medicare part B of Aetna are currently eligible for getting Medicare Advantage or Medical Supplements policies of Aetna.

There are three types of schemes of Aetna Medicare Advantage: HMO-POS, HMO, and PPO. Aetna is recently offering some of the economic medicare advantage coverage plans that are best in the market. 

In the case of the provider network requirements of the PPO plans of Aetna, none out-of-network costs more. The HMO plans must utilize in-network unless any emergency arises.

Also, in the case of HMO-POS plans’ provider network requirements, none out-of-network costs more. Where no PCP is required for the Aetna PPO plans, the HMO plans need PCP, and the HMO-POS plans only sometimes needs PCP. 

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Costing

Also, where no mandated referrals for specialists are required for the Aetna PPO plans, the HMO plans need it, and the HMO-POS plans only sometimes need it. The PPO plans’ monthly premium ranges from $0 to $214, and the monthly premium of HMO plans is $0 to $178.

In contrast, the monthly premium of HMO-POS plans is $0 to $33. PPO plans require no PCP, while HMO plans require PCP. The HMO-POS plans only sometimes require PCP. 

As regards the provider network requirements, in the case of PPO plans, no network costs more, whereas, in the case of HMO plans, in-network must be used until any emergency situation arrives.

Also, in the case of HMO-POS plans, no network costs more. The deductible for PPO and HMO plans is anywhere between $0 to $1800. For HMO-POS plans, it is $0 to $500. PPO, HMO, and HMO-POS – all three plans include dental, vision & hearing coverage. 

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Aetna Medicare Supplemental Plans

If someone is not willing to purchase a Medicare Advantage plan, they may look at Aetna’s Medicare Supplemental plans. It comprises seven plans – plans A, B, C, D, F, G, and N. Plan A gives hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), and Part A Hospice care coinsurance. 

Plan B gives a hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), Medicare Part A deductible, and Part A Hospice care coinsurance.

Plan C gives a hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), skilled nursing facility coinsurance, Medicare part B deductible, Medicare part A deductible, and Part A Hospice care coinsurance. It also provides 80 percent support to “foreign travel emergencies.” 

Plan D gives a hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), skilled nursing facility coinsurance, Medicare part A deductible, and Part A Hospice care coinsurance. It also provides 80 percent support to “foreign travel emergencies.”

Plan F gives hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), skilled nursing facility coinsurance, Medicare part A deductible, Medicare part B deductible, Medicare part B excess charges, and Part A Hospice care coinsurance. It also provides 80 percent support to “foreign travel emergencies.”

Plan G gives a hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), skilled nursing facility coinsurance, Medicare part A deductible, Medicare part B excess charges, and Part A Hospice care coinsurance. It also provides 80 percent support to “foreign travel emergencies.”

Plan N gives a hundred percent support to Medicare Part A coinsurance, Medicare Part B coinsurance, Blood (3 pints), skilled nursing facility coinsurance, Medicare part A deductible, and Part A Hospice care coinsurance. It also provides 80 percent support to “foreign travel emergencies.”

However, there’s a constraint regarding using plan C and plan F. No one can access these two plans except those primarily qualified for Aetna Medicare before 2020. 

3. Employer Health Insurance:

Aetna health insurance for employers is a health scheme that your workplace offers to you. Various businesses usually invest in the healthcare policies of Aetna and offer these Aetna schemes to their employees. It’s up to the employers which Aetna policies they select for their company’s employees. The policies may be based on medical, health, life, dental, and disability coverages. They select the Aetna health insurance plans for employees after reading the details on them, including the terms and conditions and the things they would cover. 

4. Aetna Covid Test Reimbursement:

On January 10, 2022, U.S. President Biden issued guidance that insurance companies must give coverage for the cost of OTC test kits for COVID-19.

Following the president’s guidance, Aetna members are authorized to receive the COVID-19 test kits reimbursement. However, to get the reimbursement, the kits have to be purchased on January 15, 2022, or anytime after that.

Just submit your claim for reimbursement by visiting the Aetna website, and you will be confirmed if the claim gets approved. 

5. Aetna Student Health Insurance:

Aetna also comprises policies that support students’ health needs. These plans assist them in attaining their health ambitions. Also, they help to build a healthier and stronger higher education institution.

Aetna’s student health insurance plans give coverage to the bills of the students who visit Aetna student healthcare centers, 1.2 million medical service providers, and local hospitals for their health checkups or treatment.

It offers coverage for students’ integrated medical health and behavioral health. It supports the entire health of the students. The honorable Chief medical officer of Aetna, with the model of Aetna student’s health insurance, is jointly serving over four lakh members and one hundred and fifty schools. 

With the help of benchmarking & various data analytics, Aetna health insurance for students reviews the students’ claims and utilization trends so that the students remain healthier at a lower cost.

This health insurance of Aetna gives you significant discounts on dental care, health training, fitness, vision, etc. 

Moreover, it also offers day-to-day assistance such as a 24/7 health line, an on-campus presence, open enrollment assistance, etc.

The students can access digital plan tools associated with Aetna like the Aetna Health app, international students resources, Aetna member website, and digital I.D. card.

As a student, you can search for doctors, medicine, or other health-related aids directly from their official website. 

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Attain By Aetna Application

It’s an app that policyholders can use to monitor their insurance plans. Since Aetna has partnered itself with the brand Apple, Aetna members can track their health on apple devices.

Also, those who are policyholders can track their fitness goals through Aetna. Aetna also distributes rewards to the participants who participate in healthy activities. 

What Is The Rate Of Customer Complaints/ Reviews For Aetna?

Aetna Health Insurance Reviews
Aetna Health Insurance Reviews

The customer review rating of Aetna is slightly above the average. This is because most of the customers claim that Aetna’s website and app are user-friendly.

The J.D. Power’s Medicare Customer Satisfaction Survey also confirms that Aetna’s service is satisfactory for consumers. They have given Aetna a score of 801. 

Besides, Aetna’s Complaint Index with NAIC (National Association of Insurance Commissioners is only 0.29. Thus, as compared to other companies, the complaints registered for this company are very less.

The ranking of Aetna, on the financial side, is the strongest as compared to the others. And, it’s proved with its certificate of the A.M. Best Financial strength in which it has a rating of “A,” that is, excellent. Since the firm is financially powerful, it possesses the ability to pay out the customers’ claims in the future. 

Wrapping Up: 

So, what are you thinking of? Have you decided to buy an Aetna health insurance plan to secure your future health coverage or get a medicare advantage? Then just go on with it after reading all its terms and conditions. And, if your priority is to get short-term health insurance/ individual health insurance, there are many other insurance companies to help you—best of luck with your future. 

FAQs 

Q.1. Is Aetna a good plan?

Answer: Yes, Aetna is a good health insurance plan. AM Best, the credit rating firm whose work is to assess over sixteen thousand insurance companies’ (from all over the world) creditworthiness, has given it a rating of excellence or “A.” 

Q.2. Is Aetna a major health insurance?

Answer: Yes, Aetna is one of the major health insurance companies that was founded in 1853. It’s the 3rd largest health insurance provider company from the point of view of the membership. 

Q.3. Is Aetna under Obamacare?

Answer: In 2017, Aetna declared that it would not be under Obamacare anymore, and in 2018, it would quit the market. However, after selling its individual coverage, the ACA business later improved, and Aetna is again planning to join the ACA marketplace in 2022.

Lynch, a member of Aetna, has also confirmed that their company is carefully considering re-entering themselves in the market of individual public exchange from January 1, 2022. 

Q.4. Is Aetna and UnitedHealthcare the same?

Answer: No, market share aside, there are some slim differences between U.H. Care and Aetna. Where UnitedHealthcare proposes a Special Needs Medicare Advantage Plan’s more diverse lineup and possesses a slightly broader structure of health care service providers, Aetna’s grade for the company’s medicare plans is somewhat better.

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