Aetna Health Insurance Quotes
Aetna is a leading provider in the individual and family health insurance marketplace and our agency represents them direct to you.
Aetna is a popular health insurance company because they have a large network of medical providers and facilities across the United States.
If you are looking for affordable health insurance, then click on the logo above to view the direct rate on all of their medical plans in your area. We are available for a free consult if you would like to discuss your options before enrolling online.
Aetna Individual And Family Health Insurance Options
While Aetna might be best known for their group health insurance coverage, they are also very competitively priced in the individual and family markets. Their policies are affordably priced for many different age groups both young and older.
They offer several plans to choose from in each state including those with smaller deductibles that are more comprehensive as well as those with larger deductibles and lower monthly premiums.
For those who wish to add a tax qualified account to their insurance plan, health savings accounts are also available on certain plans. Additionally, dental insurance can be added to all plans at a nominal cost. Vision insurance is not available at this time.
Aetna’s niche market is for those age 40 and above who do not have any dependents to insure. Additionally, smokers are not automatically rated up, but those in poor health will likely be offered policies at higher rates or declined outright. Children with preexisting conditions insured on a policy with an adult cannot be declined, but can only be rated up.
Tax Qualified Health Savings Accounts
Health savings accounts offered by Aetna are an efficient way to reduce income taxes while also providing comprehensive individual and family insurance. And by law, all health savings account qualified plans must now cover preventive care before the deductible has been met. In fact, all health insurance plans must offer preventive care that is not subject to the deductible.
Contributions to a HSA can be written off subject to certain I.R.S. yearly limits, will grow tax deferred, and can be withdrawn on a tax-free basis to pay for qualified medical expenses.
HSA monies always belong to the insured and never the insurance company even if the individual or family health insurance policy is later cancelled. Typically HSA qualified plans have lower monthly premiums in lieu of coverage for small incidental claims. HSA funds are designed to be used to cover most incidentals like doctor’s office visits and prescriptions before the deductible has been met.
Health savings accounts can be setup up through Aetna’s preferred bank or the financial institution of your choice. Some financial institutions will have a small setup or maintenance fee associated with a HSA plan, but not all. It is a good idea to shop around to avoid fees.
Aetna Medicare Supplement Insurance
With their recent purchase of Genworth’s Medicare supplement book of business, Aetna is now a major player in the senior insurace market as well.
Genworth sold their policies through two separate entities named American Continental Life Insurance and Continental Life of Brentwood Tennessee. Both are now part of the Aetna family of companies. In some cases, this has resulted in the reduction of rates for new Medicare supplement business.
Like almost all Medicare supplement policies, there are no network of doctors or hospitals, so purchasing an Aetna policy will give you access to any medical provider or facility accepting Medicare patients.
Typically, Medicare insurance policies are purchased direct through agents (like us) and cannot yet be purchased online or through website portals. Please contact us here if you are in need of a Medigap policy.
Compare Aetna Health Quotes & Enroll Online
Using the link at the top portion of this page, you can view all plans offered by Aetna and purchase individual and family insurance online and direct. We will be your broker of record. There is not surcharge for our services.
If you are looking for group health insurance, then please fill out this form.
If you would rather speak to an agent first, please use our convenient form below to request assistance: