Aetna Health Insurance Reviews

Aetna's employee's are not trained properly as I consistently receive contradictory responses to my inquiries specific to their many denials to coverage. In addition, employees do not speak clear, concise ENGLISH. Do not choose this insurance company which is affiliated to CVS which is not paying their fair share of taxes (after researching BIG greedy businesses).

I needed help today picking my PCP, and reporting who I picked, and making sure that she is in my healthcare plan with Aetna healthcare! I spoke with MARIA! She was very patient, professional, spoke very soft, and well so I could understand everything I needed!

After having Aetna for many years the decline in customer service is alarming and definitely something I will consider at my next open enrollment. I had my surgery pre approved and an approval for my surgeon as a network deficiency as there are no surgeons in my area that are qualified to do my surgery. 60k bill and I was reimbursed 2,900. Repeated phone calls to the overseas call center, multiple hours on hold, “escalated” urgent appeal and assurances I would get a call back. 11 weeks later and multiple follow up calls and never once has my “customer service rep” called me back. I called and asked for a supervisor who would definitely call me back today and you guessed it, no call back. But the good news is “they understand my frustration”and “my call is important to them.” Do better Aetna.

Worst insurance company ever! 😡 I have this plan through my employer, and while I’m incredibly grateful to have a job and access to health insurance, I honestly cannot believe I have to pay for coverage that makes it feel nearly impossible to actually receive the care I need. The constant **prior authorization requirements and repeated denials are beyond frustrating.** It seems like every time my provider prescribes something medically necessary, we have to jump through another series of hoops, submit additional documentation, wait for a decision, and then deal with a denial!!! Meanwhile, patients are left waiting, providers are spending valuable time fighting with insurance companies, and we’re still paying substantial premiums for the privilege of the denial…

Non stop phone calls and emails. I called the call center and told them to cease contact from Aetna and they won't stop.

Aetna Health Insurance has very bad customer service. Very rude & unhelpful people.

This is literally the worst insurance I've ever had. I have more medical bills with Aetna than I have ever had in my life. They can't even cover simple routine blood work. They deny everything even if it is medically necessary. Everything that is used as "pain management" is immediately denied.

Anyone else having problems with Aetna insurance reimbursement? I’m still trying to get reimbursed for 2025 membership for YMCA!! Never had this problem before town switched us to Aetna!😬😬😬😡😡😡😡

So my wife needs an MRI. It's medically necessary per MULTIPLE doctors to remove a tumor > 5cm in her arm, that is in pain, causing her to not use her arm, already has an ultrasound and bloodwork... basically EVERY SINGLE marker they needed and it was all submitted. And guess what? They don't even take your complaints. It goes out to a third party. They denied a Peer-to-Peer with the doctor. They said they sent information to us and the doctor and NONE OF US got anything about the denial. I don't blame the people that end up going to extremes. Health insurance in the US, Aetna in particular, is disgusting.

The experience with the Beltone office in Canton was stellar and the doctor who saw me helped with instructions installation and information which was a help to understand how to care for the hearing aids and gave me support for hearing checks and updates that may be needed down the road.

They always deny first, then you have to fight to get your claim approved. They’ll deny again and it’s a back-and-forth, stressful process. What makes it worse is their overseas customer service. They have no one superior to explain things to. They just take notes and ask for a 5-star review.

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.

Aetna is the worst health insurance ever!! They deserve no stars. Deny claims, say that the drs are out of network because the drs office sent the claim from a corporate office. 5 months into the year and still waiting to hear about claims from January and February. Call the insurance company and always hear…. Well they are still working on it. Absolutely terrible. Makes you afraid to go to the dr for fear nothing will be paid for.

If I could leave 0 stars I would. My wife was to start treatments tomorrow for cancer and Aetna decides to decline coverage. They will be paying a hell of a lot more if her conditions worsen because they wanna be cheap bastards. She's worked for the state of PA for many many years and has had this insurance for a long time and they always wanna decline coverage. This is literally life and death and they do not care about anyone!

Customer service stinks. Quit reading script out of the book and listen to the member. Sounds like 1 step away from total automation. Do not use Aetna!!!!!!

Denied my surgery and told my doctor I would have to do 6 weeks of physical therapy before the approved it. 3 weeks into physical therapy they deny my physical therapy. Worst experience I have ever had with an insurance company. I'm guessing the CEO needs another 100 million to line his pockets and screw over members. P.S. I work for the state of pa.

I’ve now had multiple frustrating experiences with Meritain Health customer service, not just one isolated incident. Resolving issues over the phone has been extremely difficult due to a combination of poor call quality, communication barriers, and inconsistent information from representatives. This most recent issue resulted in delayed claim processing and a massive medical bill with a near-immediate payment deadline from my provider. Trying to sort out urgent insurance problems is stressful enough without struggling just to clearly communicate with customer service. Health insurance companies should ensure their support systems are accessible, understandable, and capable of handling time-sensitive billing issues effectively.

Have had Aetna for several years and never really had a problem until now. Recently moved states, did all the things I needed to move my coverage from the old state to the new. 1 1/2 months ago. First they put my husband on the wrong plan and didn't even bother to change mine. I called and spoke to a agent at Aetna and got a plan signed up for to start the first of this (May) month. Only problem is they evidently can't be bothered to input it so I can use it, now I have nothing, no way to see a doctor, no access to prescriptions, I am diabetic and in need right now of critical supplies I can't get. The also promise an extra benefit that gives a card to use to help pay for gas, grocery, utilities, otc meds. Husband got the benefit but no way to use it because they won't send the card.

Scam/Fraud - avoid Aetna. They take your money but do not provide service in exchange. Aetna blocks/delays prescription refills which leaves me without medicine every 30 days. Aetna blocks/denies 90 day fills. I'm forced to ration medication due to their refusal to provide the service that my employer and I paid them for. We held up our end of the bargain, where are you Aetna? Aetna is a scam that promises you a service, takes your money, then refuses to uphold their side of the deal. Scam.

Do Not use this company! This is the worse insurance company I have ever seen. They will deny coverage for needed procedures and you and your doctors can appeal but they still will deny. I am basically bedridden with a spinal injury that requires a set injections just to get the swelling to go down. This is something I’ve been doing for 15 years never had a denial.

Ive been with Aetna Medicare Advantage for 6ish years. Had them for my stroke, sepsis hospitalization, neck and foot surgery and then cancer treatments. Never once had a problem. I read today that Aetna is now utilizing Ai nd computers to consider requests for treatments and procedures. Gone now is the personalized service it had. UHC had to go before congress for the same thing Aetna is doing. Hopefully there is another option. Supplement insurance may be better now. Sadly Aetna is going down the Ai rabbit hole.

Any review that isn't 1 star is a bot or an employee. They deny everything. Generic Medication that I've been on for 10 years denied. Daughter to urgent care denied. Why am I paying 15k a year for health insurance that doesn't cover anything.

They never reimburse for any claims. Horrible company.

Aetna multiplied my premium 12x in 2 years and would not listen to my concerns. All phone calls are shunted to the Philippines and although the associates mean well, they are given no tools and are there only to shuffle members around. I paid my April 1 bill on time and in the exact amount, and Aetna CANCELLED my insurance, saying that they had sent a letter stating that the premium should be paid by 31 March - One day earlier. I received no such letter from Aetna. I have spent hours and hours on the phone with no resolution, even though I paid the bill on time and in the correct amount.

I was scheduled for a simple procedure, microdiscectomy, for a herniated disc that has been impinging my left sciatic nerves for over 5 months. Aetna denied my surgery the day before it was scheduled to take place. I have MRIs to prove the problem and have tried three different physical therapy groups over the course of 5 months, done the exercises diligently at home, tried a chiropractor and had three steroidal epidurals with no relief or results. Aetna has delayed my care and has caused me to be forced to live in further pain. Their customer service is useless and has no ability to help their members. We previously had United Healthcare for 8 years and never had an issue with any necessary procedures. I highly recommend United Healthcare and STRONGLY ADVISE AVOIDING AETNA. You will not get the care you need. My surgeon's office said this always happens with Aetna, they currently had received 5 denials from Aetna that same morning!

They denied a $1231 claim for lab work even though the doctor said they covered it for other patients. Aetna had multiple road blocks to appeal and gave me the royal run around for almost a year. All my customer service experiences were atrocious. I switched to a Blue Cross Keystone 65 plan that covers all lab work. They have been very good so far.