Aetna Health Insurance Reviews

Aetna is by far the WORST. Absolute worst insurance. I’ve been in almost a year long battle with aetna being put through multiple circles, thrown through hoops and hit every possible dead ends with no outcome. I have been battling with my health insurance for my medication because I have pcos obstructive, sleep apnea, severe obesity, bilateral Venus sufficiency and every single medication that has been submitted to my insurance has been rejected whether it’s a ** or not everything gets denied.

Zero stars. Aetna assigned two dramatically different allowed amounts—$105.28 and $258.79—to two office visits from the same in-network physician. Both claims were billed at $298 under the same CPT code, 99214. After multiple complaints and appeals, Aetna still could not identify the specific pricing factor that caused the difference. The final appeal response repeated my deductible and combined separate office, ECG, and hospital laboratory claims but did not answer my actual question. During my call, the representative offered several changing explanations, including laboratory services, visit duration, complexity, deductible, and the physician’s contract. She later admitted that she did not have access to the actual pricing calculation, contractual rate, or fee schedule.

Aetna is one of the companies using AI to deny claims. They are currently denying standard tx for OA of knee, gel shots. It’s covered, but I’m past my deductible, & they are stonewalling. Reagan allowed health insurance to be for-profit. No health care should have a profit motive- it leads to the “your $$ or your life” situation Americans are currently in. Profit from illness is immoral, profit from refusing to fulfill obligations to patients is immoral. US is about #30 globally in health care. We spend the most, & get the least- because of Aetna & companies like it.

I lost my job in Feb., called, supposedly got them switched to primary. Finally got to see the Dr and get my LIFE SAVING meds. And I get told that Aetna has my insurance from work as my primary. Had to call 5 times in order to reach someone that was willing to actually look into it. In fact I got this guy named Eric. That threw a fit that I was upset about what happened. What an entitled POS.

You won't believe the absolute racket being run by big health insurance. My daughter just had major spinal surgery, and when I went to CVS three hours post-op to get her prescribed pain meds, the pharmacist told me Aetna hadn't approved them yet. How does an insurance company approve a massive surgery but stall on the actual pain medication? To avoid watching my daughter suffer in agony, I was forced to pay out-of-pocket using a manufacturer's coupon. When I told my wife, she said the exact same thing happened to her recently: delayed insurance approval, followed immediately by an offer to just pay out-of-pocket with a coupon. Then it hit me: CVS owns Aetna.

I purchased Aetna Medicare Silver because it had extended benefit and a $2500 yearly allowance. I was denied dental claim for a crown because it was attached to an implant. Their description of benefits clearly stated 50% coinsurance for fillings, crowns, root canal and dentures, it makes no exception for attachment to an abutments. I was deceived and would never have purchased their plan had I known. Another rip off for seniors.

In late April 2026, I called and actually got a cust service rep on the phone for Aetna. She promised to do what I requested. It was to mail the scripts vs store as I'm up in Canada for a lengthy time with my Canadian wife. Here it is June 17 and no scripts have arrived, so I called this AM. After multiple attempts, got a supervisor and described my situation. He "seemed" to have a handle on my needs. Well he didn't. I'm up here in Canada 250 miles from the US border, and all I asked was to add an extra 2 months to my HEART meds so I wouldn't have to drive 500 miles round trip again.

The Customer Service people are as Dumb as Bricks. They do NOT listen to what the customer says. You might as well just talk to the wall, you will get better results. If you call, you will get a different answer from each person you talk to and ALL the answers would be wrong. Aetna must be hiring half-wits and probably paying them $8/hr for customer service. If you need help, calling customer service is a WASTE of your time. If you ask for a supervisor, they won't get you one. I would have gone with ZERO stars, but you have to choose at least 1.

Went to the ER, they didn't cover a single dollar saying I "could save money by switching to a nearby lab", when I was taken in with a BP of 158/89 and HR of 100, felt I was dying. Sure, Aetna, I'll get right on choosing where I go when I think I'm dying. Thanks for the tip. Useless. Doesn't cover anything. This is not the first time.

Zero stars if possible. They have fought me at every turn so that I can walk and move about without debilitating pain. I am numb from the waist down, writhing in pain, can no longer walk more than a few feet without falling, numbness affects bladder and colon - all because of nerve compression in my back at the waistline. They want me to go to physical therapy and have in sections. I've had 60 physical therapy sessions and a dozen injections. The item compressing the nerve cluster removed but they want to see me in a wheelchair for life so their CEO can make $1,000,000 a month in salary.

Aetna use to be a good insurance; not anymore. I was placed in a plan by a Aetna rep, she did a lousy job, after telling her about my meds & chronic ailments. The plan I was placed in, am having copays of $300 dollars plus to have tests done & other procedures. I am on disability & don’t work, so I can’t afford these procedures because of the high copays. I will have to stop procedures that doctors are requesting. Please shop around for plans & don’t take the words of reps. They don’t CARE about patients.

Some of the ** people I've ever spoke to in my life. Frustrating as hell. These people are so **.

I am absolutely disgusted by this company. My mother fell and broke her hip, and could no longer walk. The hospital recommended inpatient rehab to get her back to where she was. They denied this even after low-level appeals and our doctor explaining the situation directly. THEN I tried to exercise her right to an external appeal, and they have made the process cumbersome at every point. Accepting documentation, then denying the appeal, saying the documentation wasn't correct. It's so egregious that there is no other explanation than that they intentionally make it hard on families so that they just give up and lose the money Aetna owes. It's intentional and systematic. They know what they are doing. This is what is wrong with healthcare, and this company is an abomination, as are all the workers that willing to participate in this disgrace.

AETNA: Where a person goes to suffer for life. Deny, deny, deny. Due to Aetna denying an out-patient procedure that would have had him back at work within 6 weeks, he ended up with further complications that led to a complicated surgery that required a long, difficult recovery. Now, a year later, my husband is on heavy meds and I have to put his socks and shoes on for him because he bends down. He needs another surgery to alleviate the pain and help with the recovery process BUT AETNA KEEPS DENYING!!! Our surgeon has appealed twice to no avail. So my question to Aetna is: What is your solution?? Is a person meant to stay on opioids the rest of his life, needing someone to put his socks and shoes on because he cannot bend down??? And the cherry on top is that my husband was let go from his job for being out too long. We've lost all our benefits. THANKS AETNA!

I am beyond frustrated. I have followed a grievance, but I don’t think it matters. I had a claim denied. I had an appeal denied after 1 month. Another appealed was delayed, then continued, then dismissed. It took over 2 months to figure out what happened. No one seems to know what is going on and I’m not getting any satisfaction. Now I have to file another appeal form. I ordered the form a week ago. It did not come. I now have to refile. I’m not sure if this will be resolved. I have talked to representatives of resolutions and a grievance representative. I’m still not satisfied.