Aetna Health Insurance Company is one of the most recognized names in the industry. They are considered an industry leader and offer many forms of general insurance as well as disability, dental and prescription coverage. Aetna can boast a membership base of over 19 million people in their medical plans alone. This does not automatically mean that Aetna are the best insurance provider in the marketplace, however you would be hard pushed to find many better. If you are on the look-out for health insurance, Aetna is typically one of the best places for you to start your search.
Aetna were first established in 1850 and started out merely as an annuity fund that sold life insurance. Their name actually originates from the most active volcano in Europe, namely Mount Etna. They offer a wide variety of insurance products, from the usual suspects to policies you may never have even considered. One such insurance policy is their earthquake insurance. They were party to the $225 million worth of claims made during the San Francisco earthquake of 1906. Although many insurance companies were left bankrupt and obliterated at the time, Aetna held firm and are still going strong to this day. They were recognized by Fortune magazine as recently as 2008 for being the Most Admired Company within the health care industry.
Aetna has built a solid reputation and you can feel completely safe and protected by their coverage. They averaged annual revenues in excess of $31 million in recent years and currently employ over 35,000 people. So it is safe to say, they are here to stay. Aetna can provide health insurance products to individuals and families are also offer many companies, employee based insurance. However, they are the first to recognize that having a health insurance policy through work may not be the most financially sound investment. If you do not wish to be pooled together in a plan with higher risk participants, you can choose an individual policy to suit your needs.
Aetna is renowned for their Small Employer Group Plans. They look to provide insurance to companies who employ anywhere from 2 to 50 people. It is important to know that Aetna does not provide health insurance in every state, so you may need to do some research of their plans and policies first. They offer a wide and varied range of health insurance products which can protect you, your family and those around you:-
Medical Insurance – This is intended to help you pay for the cost of health care. They have numerous products and programs that can ensure you are properly protected through every stage of life. You will have access to a diverse range of doctors and specialists from within their network.
Dental Insurance – Aetna offer 3 basic types of Dental Insurance. You may decide to choose a Dental Maintenance Organization (DMO) will is typically the most cost effective form of dental cover. You will choose a primary care dentist that will provide you with all your oral hygiene needs and is also responsible for any specialist referrals.
Vision Insurance – Their Vision Insurance allows you access to thousands of independent eye care professionals. This is not so much an insurance plan, but a way to save money on eye care. This type of plan can save you money on eye exams, eyeglasses, contact lenses and even LASIK surgery.
Medicare – Aetna provide Medicare which happens to be the largest health insurance program in the United States. They cover in excess of 40 million Americans. Medicare is designed to provide health care to the elderly and those suffering from disabilities.
Disability Insurance – Their disability plans will protect your income should you be unable to work due to a serious injury or illness. They have both short term and long term income protection within their Disability Insurance plans. The amount of coverage you receive will be highly dependent on your annual salary, any bonuses, commissions or other income you may receive from your employer.
Aetna offer many other forms of insurance policy. These include Pharmacy, Life, Student, Pet, Behavioral Health Insurance, Health Expense Funds and Wellness Products and many great discounts. Their mission is to help people achieve some form of health and financial security. They provide high quality and cost effective health care plans that can protect you and your loved ones when you need it the most.
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