A new comparison of Medicare Advantage plans shows that Aetna receives stronger overall ratings than UnitedHealthcare, although UHC offers coverage in more states and has a larger provider network. Both companies provide $0-premium plans, but the details of cost, benefits and member experience vary in meaningful ways.
Aetna and UnitedHealthcare at a Glance
Aetna Health Insurance offers some of the highest average star ratings among nationwide Medicare Advantage providers. Many Medicare beneficiaries can access Aetna plans with no monthly premium. However, Aetna receives lower scores for customer satisfaction in several national surveys.
UnitedHealthcare serves more members than any other Medicare Advantage provider and maintains a very large network of doctors and specialists. UHC also offers $0-premium plans in most states. But UHC’s plans that do require premiums can be more expensive than Aetna’s.
Plan Types and Availability
Both Aetna and UnitedHealthcare offer several types of Medicare Advantage plans, including HMO, PPO and Special Needs Plans. Aetna also offers HMO-POS plans, while UHC includes Private Fee-for-Service (PFFS) options as well.
Both companies make many of their plans available with $0 monthly premiums. Aetna offers these plans to about 82% of Medicare beneficiaries, while UnitedHealthcare offers them in 45 states.
Costs and Ratings
Aetna’s non-zero premium plans have an average monthly cost of about $49. UHC’s comparable plans average around $66. Both companies have similar percentages of plans rated four stars or higher. Aetna’s average star rating, weighted by enrollment, is slightly higher at 4.19 compared to UHC’s 4.10.
Aetna receives an “A” financial strength rating from AM Best. UnitedHealthcare receives an “A+,” showing slightly stronger financial stability.
Extra Benefits
Aetna Medicare Advantage plans include SilverSneakers memberships and offer dental, vision and hearing coverage on most plans. Some plans include allowances for over-the-counter items.
UnitedHealthcare offers the Renew Active fitness program, which includes gym access and brain-health tools. UHC also provides dental, vision and hearing coverage, and certain dual-eligible plans include food and over-the-counter allowances.
Aetna Medicare Advantage: Key Points
Pros:
- Highest average star ratings among companies with nationwide reach.
- Broad availability of $0-premium options.
- Tier 1 and Tier 2 drugs are often covered at $0.
- SilverSneakers included with all plans.
Cons:
- Customer satisfaction scores are below average in many markets.
- Maximum out-of-pocket costs tend to be higher than competitors.
UnitedHealthcare Medicare Advantage: Key Points
Pros:
- One of the largest provider networks, with nearly one million contracted health professionals.
- $0-premium plans offered in most states.
Cons:
- Premium-based plans are often more expensive than Aetna’s.
- Member experience varies depending on region.
How to Choose the Right Medicare Advantage Plan
Selecting a Medicare Advantage plan requires careful research. Consider the following questions:
What will the plan cost?
Make sure the premium, deductibles and copays fit your budget.
Are your doctors in the network?
Check whether your preferred providers accept the plan.
Are your medications covered?
Look at the prescription drug tiers and any coverage rules.
Are dental, vision and hearing included?
Some plans offer these benefits only at certain levels.
Does the plan offer extras?
Fitness programs, transportation and meal benefits can add value.
By reviewing these key factors, Medicare beneficiaries can choose the plan that best matches their health needs and financial situation.
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