Aetna vs United Healthcare Perks and Differences: A comparison of health insurance policy benefits best suited for you and your family.
Which insurance vendor should you choose? Aetna vs United Healthcare comparison will breakdown all the stats, plans, unique perks and advantages and features so you can make a better informed decision as to which health insurance policy is right for you.
Choosing an insurance provider is always difficult. How are they different? How does one provide a better value than the other? One way to figure out who offers the best deal for your particular circumstances is to do a side by side comparison.
Both United Healthcare and Aetna Health are nationally-recognized insurance providers with hundreds of thousands of policyholders across the United States. Both would be excellent choices for a high-quality, reliable health insurance policy.
However, which one is better? The only way to find out is to compare and contrast the statistics, plans, features, and qualities of each and how each company best serves you and your families particular needs and circumstances.
This review breaks it down for you so you don’t have to do all the research yourself. Ultimately, you may choose to buy an Aetna or United Healthcare policy, or you may decide that neither has what you need.
Aetna Health vs United Healthcare: What makes them different?
Both Aetna Health and United Healthcare have their own particular pros and cons, each best able and unique to help serve you or your family needs to stay healthy.
Aetna is one of the largest health insurance companies at the forefront of saving money in the health insurance world. Aetna has maintained a network provider base that continues to grow; as well as millions of policyholders across the country! Aetna is one of the largest insurers in the United States.
While United Healthcare, is a much newer organization, this health insurance provider’s strength lies in its diversification strategy. UHC seems to have a health insurance plan for everyone. This is because they offer benefits for Medicare and Medicaid recipients; as well as health insurance marketplace plans for individuals and families that do not qualify for Medicaid or Medicare.
What types of health insurance plans does Aetna offer?
Aetna provides a variety of health insurance plans, including individual and family plans, employer-sponsored group plans, Medicare plans, Medicaid plans, and student health plans. They offer comprehensive coverage for medical, dental, vision, and other healthcare services. Aetna also provides additional services like telehealth and wellness programs.
What types of health insurance plans does United Healthcare Insurance Company offer?
United Healthcare Insurance Company offers a wide range of health insurance plans, including individual and family plans, employer-sponsored group plans, Medicare plans, Medicaid plans, and plans for military members and veterans. They provide comprehensive coverage for medical, dental, vision, and other healthcare services. United Healthcare also offers additional services like telehealth, wellness programs, and specialized programs for chronic conditions.
Health insurance options and benefits from both providers
Aetna
- Wide range of HMO and PPO plans, dependent upon your state
- World-class employer-based health plans used by businesses across the country
- Many different individual health insurance plans
- Many states offer HSAs (health savings accounts) with plans
- Most states offer preventative care plans for doctor visits, etc.
- Specific plans vary widely from state to state
United Healthcare
- A similar range of HMO and PPO plans
- Emphasis on individual-based health plans, though they also offer employer-based policies
- Many different HSA options, with more possibilities that can save you money and keep you healthy
- Slightly more expensive overall
- Specific plans still vary slightly from state to state
Aetna vs United Healthcare Insurance Company Coverage Overview
UHC options are more uniform from state to state, and its HSA offerings are far more comprehensive. In general, you get slightly more for your money with UHC, especially if you’re looking for an individual health plan.
Furthermore, UHC employs slightly more doctors, so you might have a better chance if you want to pick and choose a service provider you have built a relationship with. Aetna operates in a few more hospitals and locations than UHC does, so if you’re concerned about not being able to move with your health plan, Aetna might be a better choice.
On the other hand, when it comes to business insurance plans, Aetna’s architecture makes it a lot easier to provide insurance to all the members of a company. Aetna offers more options for savings when companies buy insurance policies in bulk. For this reason, many companies that offer health benefits go through Aetna, even though on an individual policy level, United Healthcare might be slightly better.
Aetna vs United Healthcare Perks and Differences
Aetna offers several kinds of plans for individuals and families. Offerings vary based on location, so enter your zip code on Aetna’s website to see options in your area.
Aetna offers case management support to members with chronic conditions.
Like Aetna, UnitedHealthcare offers health plans to individuals and families, including student health plans. UnitedHealthcare stands out from Aetna with its student health plans offering. If you’re a college student, a UnitedHealthcare student health plan could be a good fit for you.
UnitedHealthcare also offers non-traditional health plans, including short-term health plans and fixed indemnity plans. One of UnitedHealthcare’s short term health plans is Tri-Term Medical Insurance. It offers 36 months of short term insurance with some coverage for preventive care and prescriptions.
UnitedHealthcare’s hospital and doctor fixed indemnity plans can be used to supplement traditional health insurance plans. These plans provide a fixed cash benefit for health care services that the beneficiary can use to pay for medical expenses.
Aetna also offers group plans that employers can offer their employees. These include network only, network option, and indemnity plans. It also offers Medicare plans and other health plans designed for retirees.
Aetna’s plans also offer wellness programs for employees. These programs include help quitting smoking, women’s health, coaching, mindfulness programs, and more.
UnitedHealthcare also offers employer-sponsored plans to small and large businesses. For more information, employers should work with UnitedHealthcare to learn more.
If you need health coverage while living or traveling abroad, employers and individuals can find plans through Aetna. UnitedHealthcare also offers international health insurance for travelers called international travel insurance.
Both Aetna and UnitedHealthcare offer many kinds of health plans to fit the needs of employers and individuals and families. As typical with health insurance, you’ll need to contact each company for specific information about costs and plans available in your area.
