Aetna Insurance Review & Complaints: Health Insurance

Aetna is the nation's third-largest health insurer and Aetna insurance providers write a wide range of products for individuals, families, and businesses including medical, dental, and life Aetna insurance plans. Aetna ratings and reviews are decent with an A- AM Best rating and an A+ from the Better Business Bureau. Get Aetna insurance quotes directly from an agent.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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Aetna Insurance

Financial Strength

Aetna, Inc. is a publicly traded (NYSE: AET) health care company headquartered in Hartford, Connecticut. They operate all over the United States, and currently employ over 30,000 people. Aetna is the nations third largest health insurer, Unitedhealth Group is first and Anthem is second.

While their roots date back over 200 years with the beginning of what was then called Aetna Fire Insurance Company, the company as we see it today was officially founded in 1853. They have grown immensely throughout their history, expanding to offer many different plan types, including Medicare plans, a partnership with CVS Health, and being a pioneer among health insurance providers.

See our Aetna Medicare review here

What products are offered by Aetna Health Insurance?

Aetna provides a wide range of health plan products to meet the type of coverage needs for individuals, families, and businesses policyholders. Some of their most popular type of health insurance coverage offerings include:

  • Medical Insurance
  • Dental Insurance
  • Vision Care
  • Disability Insurance
  • Pharmacy Coverage
  • Life Insurance (Through the Aetna Life Insurance Company)
  • Business Medical Insurance
  • Business Dental Insurance
  • Business Vision Insurance
  • Medicare Advantage Plans
  • Medicare Supplement Plans

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Are there a lot of consumer complaints about Aetna?

Although Aetna Health Insurance Company is not accredited with the Better Business Bureau, the company currently maintains an A+ rating. In the past three years, there have been 591 customer complaints filed against the company, 214 of which have been closed in the past 12 months. The largest customer complaints category concerns “Problems with Product or Service.” A close second is “Billing and Collection Issues.”

The number of complaints on is 688 for Aetna Health Insurance. There have been a total of 82 ratings left by reviewers, 79 of which were one-star. The popular consumer websites customer reviews revolve mainly around poor customer service and coverage issues. The complaints are not only from customers but also network doctors and other medical professionals who have difficulties and concerns about dealing with Aetna’s representatives and policies.

The second major complaint is not receiving health benefits coverage they believe is due. This can happen for multiple reasons including customers not understanding the coverage provided in the health insurance plan, health insurance providers changing coverage and not properly notifying customers, discrepancies in the provider network, and even health providers claiming a particular service was not medically necessary.

How are Aetna’s Financial Strength Ratings?

Rating Company Grade Financial Outlook
AM Best A- Stable
Fitch AA- Negative
S&P AA- Stable

*These grades have been standardized for comparison. For more information, click here.

What’s the bottom line?

Aetna operates all over the country and has a lengthy list of healthcare-related products they can offer, with behavioral health options, multiple tiers of coverage to choose from, Medicare Advantage and Medicare Supplement plans. Additionally, they offer many different health care solutions for employer health insurance at businesses of all sizes. Competitors include Cigna and Anthem Blue Cross Blue Shield, but Aetna has its own positives as an individual or employer health insurance.

Aetna has been in the news more recently as they were on route to merge with Humana, however, the merger was denied as a judge ruled that the merger was not in the best interests of consumers or competitors. That did nothing to slow their enrollment, and they went on to merge with CVS Health later on. Aetna is a very large company with strong financial backing, reputation, and plenty of options for policyholders. Although the company does not offer the best rates, they are certainly worth taking a look at because you may find that your premium is worth the price. It is also important to note that none of the Medicare plans have a premium; there are also no copays for visits on most of those plans, making them a great option for those who need extra medical coverage or lower medical costs even though they have Medicare.

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