How good is Aetna insurance for seniors?
Asked by: Malvina Hartmann | Last update: August 11, 2025Score: 4.5/5 (7 votes)
What is the best medical insurance company for seniors?
AARP/UnitedHealthcare is the best company for Medigap plans in 2025. For most people, the best company for Medigap coverage is AARP/UnitedHealthcare.
Does Aetna deny a lot of claims?
In the same year, Medicare denied 6.85% of its claims. One year later, AMA reported that all the surveyed insurers were denying fewer claims: Aetna's denial rate was down to 1.81%, Anthem BCBS reduced its rate to 4.34%, and private insurers overall were down to 2.79%, while Medicare denied only 4% of claims.
Is Aetna health insurance worth it?
People choose Aetna for its vast network of providers, competitive rates and long history in the insurance industry. It also offers benefits like access to 24/7 virtual care at no or low costs, depending on your plan, and mental health coverage. Aetna is regarded as a good health insurance provider overall.
Is Aetna a good plan for seniors?
Aetna® shines in Star Ratings with 88% of Medicare Advantage members in 4 out of 5-star plans or higher for 2025. Aetna Medicare is an HMO, PPO plan with a Medicare contract. Our SNPs also have contracts with State Medicaid programs.
Extra benefits of Medicaid from Aetna Better Health | Aetna Medicaid
What is the best health insurance company to go with?
- Best Overall and Best for Self-Employed: Kaiser Permanente.
- Best Widely Available Plans: UnitedHealthcare.
- Best for Low Complaints and Best for Chronic Conditions: Aetna.
- Most Affordable: Molina Healthcare.
Does Aetna cover surgery?
If you successfully meet the requirements, then your insurance provider will cover the costs of the surgery or treatment plan recommended by your doctor. Elective or cosmetic plastic surgery procedures are typically not covered by Aetna insurance policies.
Which health insurance denies the most claims?
According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.
What is the class action lawsuit against Aetna?
The lawsuit seeks a declaratory judgment, injunctive relief to end Aetna's exclusionary policy, and compensatory damages for all policyholders who have had to pay out of pocket for gender-affirming facial surgery because of Aetna's discriminatory exclusion.
What is the best insurance for seniors?
Whole life insurance can be a great insurance option for seniors. Many whole life insurance plans have higher maximum age restrictions, providing those who are older with coverage options. In addition, the fixed premium can help with financial planning in a fixed-income situation.
What type of medical insurance do most retirees have?
Since Medicare pays first after you retire, your retiree coverage is probably similar to coverage from a Medicare Supplement Insurance (Medigap) policy. Both are likely to offer benefits that fill in some of the gaps in Medicare coverage—like coinsurance and deductibles.
Does Aetna have copays?
The plan requires only copays for medical services and prescription drugs up to the plan member's out-of-pocket maximum, with no deductibles or coinsurance costs.
Who has the cheapest insurance for seniors?
Our research found that Auto-Owners, Travelers, Geico, USAA and Nationwide may be the cheapest car insurance companies for seniors based on average rates from Quadrant Information Services. Rates provided are for a 70-year-old driver with a clean driving record.
Does Aetna cover dental for seniors?
Aetna® has Medicare Advantage plans that cover preventive care like oral exams, cleanings and X-rays. We also offer plans with even more dental services. Like fillings and extractions. You can find specific benefit details in the plan's Evidence of Coverage.
What insurances are not recommended?
- Private Mortgage Insurance. ...
- Extended Warranties. ...
- Automobile Collision Insurance. ...
- Rental Car Insurance. ...
- Car Rental Damage Insurance. ...
- Flight Insurance. ...
- Water Line Coverage. ...
- Life Insurance for Children.
What is the denial rate for Aetna?
A review of 2023 data from the state's Insurance Department found the three companies deny claims at rates above the statewide average for both HMO and indemnity plans. Aetna had the highest denial rates for HMO plans, at 39.4%, followed closely by Harvard Pilgrim, at 38.8%, and Connecticare, at 33.6%.
Does Aetna cover CT scans?
Aetna considers annual low-dose computed tomography (LDCT) scanning, also known as spiral CT or helical CT scanning, medically necessary for current or former smokers ages 50 to 80 years with a 20 pack-year or more smoking history and, if a former smoker, has quit within the past 15 years.
How long does it take Aetna to approve surgery?
Once your doctor sends a request for prior authorization, Aetna reviews the request. During our review, we look at the most recent and highest quality medical research and guidelines. We update your care provider throughout the review process to keep them informed on the status, and come to a decision within 14 days.
What surgeries are not covered by insurance?
Cosmetic procedures such as plastic surgery or vein removal are nearly always considered elective and so are not covered. Fertility treatments are only covered in certain states, and even then, there are loopholes that allow insurers to deny coverage.
Does CVS own Aetna?
Aetna® is proud to be part of the CVS Health family.
Which health insurance company has the highest customer satisfaction?
Kaiser Permanente is the top health insurer in the nation for affordability, customer satisfaction, and trustworthiness, according to Insure.com. Insure.com uses industry data and consumer feedback to rate health insurance companies.