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How Much Does Aetna Insurance Cost Per Month?

Written By: Charlotte Senger
Reviewed By: William Rivers
Published: February 4, 2024
Last updated: February 26, 2024
KEY TAKEAWAYS

Aetna offers a broad spectrum of health insurance plans with varying monthly premiums. Individuals can expect premiums to start as low as $200 and potentially exceed $1,000 monthly for more premium plans.

The type of plan (HMO, PPO, POS, high-deductible health plans) significantly influences the cost.

Key factors that impact Aetna insurance premiums include the plan type, coverage level, the insured’s location, and age.

Family plans have higher premiums than individual plans but may offer a lower cost per person when covering multiple family members.[1]

The costs for Aetna’s dental insurance vary based on the selected plan type, coverage level, location, and the number of people covered.

Aetna offers Medicare Advantage plans, some of which may have low or $0 monthly premiums, not including the Medicare Part B premium.[2]

Aetna’s insurance pricing is competitive with other major health insurance providers.

To maximize the benefits of an Aetna health insurance plan, staying within the provider network, taking advantage of preventive care services, and utilizing Health Savings Accounts (HSAs) for eligible high-deductible plans are recommended.

Understanding the cost of health insurance is crucial for budgeting and ensuring you have the coverage you need when you need it. Aetna, as one of the leading health insurance providers in the United States, offers a range of plans to suit various needs and budgets. 

This guide examines the monthly costs associated with Aetna insurance alongside an exploration of the factors influencing these expenses, the diverse plan options available, and how to navigate the enrollment process.

How Much Does Aetna Insurance Cost Per Month?

Aetna offers a range of health insurance plans, including HMO, POS, PPO, EPO, and HDHPs with HSAs. The cost of these plans varies significantly based on several factors, such as the type of plan you choose, your location, age, and whether you use tobacco. Aetna aims to provide easy access to care with a network of over 1 million national providers, offering personalized guidance and whole health coverage that includes preventive screenings and mental health benefits​​.

Understanding Aetna Health Insurance Plans

Aetna provides a plethora of health insurance options, including individual and family plans, Medicare plans, and employer-provided insurance. How much does aetna insurance cost per month can vary widely based on several factors, including the type of plan, the coverage level, your location, and your age.

Types Of Aetna Insurance Plans

  • Individual and Family Plans: These plans are designed for people who do not have access to health insurance through an employer. They can range from basic to comprehensive coverage.[1]

  • Medicare Plans: Aetna offers Medicare Advantage plans, prescription drug plans, and Medicare Supplement Insurance (Medigap) plans for individuals eligible for Medicare.[2]

  • Employer-Provided Insurance: Many Americans receive Aetna insurance through their employer. The costs and coverage levels for these plans are negotiated between Aetna and the employer.

Fast Facts

Many Aetna health insurance plans include preventive care services—such as vaccinations, screenings, and wellness visits—at no additional cost to the policyholder.

Factors Influencing Aetna Insurance Costs

Several key factors can affect the monthly premium and overall cost of your Aetna health insurance plan:

Plan Type

Aetna's range of plans includes HMOs, PPOs, POS, and high-deductible health plans. Each has different network rules and out-of-pocket costs, affecting the monthly premium.

Coverage Level

Plans with more comprehensive coverage typically have higher monthly premiums but lower out-of-pocket costs for medical care.

Location

Health insurance costs vary by state and even by regions within a state due to differences in healthcare costs and state-specific insurance regulations.

Age

Generally, the older you are, the higher your insurance premiums will be.

Estimating Aetna Insurance Costs

While costs vary, individual and family plans under Aetna can range from as low as $200 to over $1,000 per month for premium plans. Medicare Advantage plans might have lower monthly premiums, sometimes as low as $0, but this does not include the Part B premium you must continue to pay to Medicare.

How To Get An Accurate Estimate

The best way to get an accurate estimate of Aetna insurance costs is to use the quote tool on Aetna's website or speak directly with an Aetna agent. By providing some basic information about yourself and your healthcare needs, you can receive a detailed quote that includes monthly premiums and out-of-pocket cost estimates.

Fast Facts

Aetna's Preferred Provider Organization (PPO) plans offer the flexibility to see specialists without a referral.

Choosing The Right Aetna Plan For You

Selecting the right health insurance plan involves balancing the monthly premium cost with the coverage and benefits you need.

Consider Your Healthcare Needs

Think about your current healthcare needs, including any medications, regular doctor visits, and potential surgeries or treatments.

Review Plan Networks

Make sure your preferred doctors and hospitals are in-network for the plan you're considering, as out-of-network care can be significantly more expensive.

Understand the Out-of-Pocket Costs

In addition to the monthly premium, consider the deductible, copays, and coinsurance. These costs can add up, especially if you require frequent medical care.

Seek Professional Advice

If you're unsure which plan is best for you, consider speaking with a licensed insurance agent who can help you navigate the options based on your specific needs.

Maximizing Your Aetna Health Insurance Benefits

Once you've selected an Aetna plan, make sure to use it effectively:

  • Stay In-Network: To minimize costs, use doctors, specialists, and hospitals within Aetna's network.

  • Take Advantage of Preventive Care: Many Aetna plans offer preventive care services at no extra cost.

  • Use Health Savings Accounts (HSAs): If you have a high-deductible health plan, you may be eligible to use an HSA to pay for medical expenses with pre-tax dollars.

Understanding Aetna Insurance Per Month

How much does aetna insurance cost per month varies widely based on numerous factors, including plan type, individual circumstances, and state regulations. By carefully considering your healthcare needs, budget, and the details outlined above, you can select an Aetna plan that provides the coverage you need at a cost you can afford. Remember, investing in health insurance is not just about managing expenses—it's about ensuring access to necessary healthcare services and protecting yourself and your family from unforeseen medical costs.

Our detailed guide explains how to compare and choose long-term care insurance companies. Learn more by visiting Senior Strong and exploring our comprehensive resources.

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Charlotte Senger is a senior discount expert who handles all financial concerns and ensures that seniors are able to save money. She got her bachelor’s degree in Accounting from the University of Texas.
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