aetna international travel medical insurance

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Aetna International Health Insurance

aetna international travel medical insurance

Aetna Global Coverage for Expatriates

Need a Group Plan? Visit: Group International Insurance Options

Aetna International has been a world leader in global health benefits for more than five decades. They have over 1000 employees all around the globe working to help their members. They promise to build a healthier world by developing solutions to improve the quality, affordability, and accessibility of international health care. Aetna's highest priority is providing its members with services that meet their needs. Therefore representatives are available 24 hours a day, 7 days a week, 365 days a year.

Aetna Has Exited the Individual International Health Insurance Business

As of May 2022, Aetna International is exiting the international private medical insurance (IPMI) market worldwide, aside from the Americas. The insurer’s parent company CVS Health has entered into a sale and preferred partnership deal with Allianz Partners. The agreement covers many of Aetna International’s markets, including the UK, Europe, the Middle East, and Asia.

Aetna will stop offering coverage for new customers and renewals for most existing customers from July 2022 for group business and November 2022 for individual and family policies. All current Aetna IPMI customers will stop being covered by Aetna by October 31, 2023.

For reference, please read: Aetna Leaving International Markets .

Alternative Global Health Insurance Options

If you are searching for a plan that will cover you in nearly any country you may relocate to, compare plans from the top two international medical insurance providers, Cigna Global and GeoBlue, which provide coverage in nearly every country around the world:

Cigna Global Insurance Plan

The flexibility to tailor a plan to suit your individual needs
Access to Cigna Global’s trusted network of hospitals and doctors
The convenience and confidence of 24/7/365 customer service

Xplorer Worldwide Medical Plan

Premium Benefits, Coverage and Service
Define your deductible and prescription benefits
For Foreigners in the US or US citizens abroad

Compare International Medical Plans and read about the Best International Health Insurance Companies .

Aetna International's Health Insurance Plan

Information for existing customers.

Below we will provide detailed information for existing customers on plans previously offered. Any clients interested in a new plan should research alternative options.

Aetna Pioneer

Aetna Pioneer international health insurance is comprehensive and has four distinctive plans to choose from 1750, 2500, 4000, and 5000. All four plans provide full coverage for hospitalization, cancer care, emergency medical evacuation, and repatriation.

Aetna offers an additional plan level, 5000+, for members that require U.S. coverage.

Aetna International Medical Network

Aetna International's comprehensive global medical network includes 1.2 million medical providers in the U.S. and another 165,000 worldwide. When you purchase an international medical plan from Aetna, a directory full of medical providers is available to you.

Aetna's provider directory helps members find doctors, dentists, and hospitals located near them. Their directory can also help members find nearby pharmacies to fill prescriptions as well as vision care doctors, physical therapists, and many other specialists. Members can find the provider directory in their secure member profile through Aetna's site.

Aetna International Member Services

Aetna International values its members and provides services beyond just giving you the peace of mind your health care needs will be taken care of. You can count on Aetna to provide exceptional support as well, no matter where you are in the world or which Aetna expat insurance plan you are on.

We encourage you to maximize your plan benefits by getting to know the services and tools Aetna offers, including:

24/7/365 Member Service Center to help you locate the best doctors and hospitals and to answer your benefits and claims questions
Case management services to help coordinate each aspect of your medical care, including transportation in emergency situations.

Claims Services

Aetna's goal is to pay for medical treatment whenever possible. They make their decision based on a member's insurance plan and general guidelines and policies. After a member and their healthcare provider submit the pre-authorization claim, Aetna will review the service requested and determine whether the treatment is needed. If Aetna denies your claim, they will notify you, and if you disagree, you can appeal it. All claim forms can be sent to Aetna directly through email or your secure member profile on Health Hub.

Health and Wellbeing Services

Aetna provides multiple wellness services to help members adjust to living in their new home country. Each program has self-help tools and professional services to guide you along the right path. Aetna's member library is full of articles and webinars to help emotional and mental wellbeing. The library also contains destination guides for numerous countries to help members learn about their new home's culture and healthcare. Aetna also offers tools and resources to increase your fitness and health levels, such as a discounted gym membership and one-on-one medical help from an Aetna CARE team member. Aetna is dedicated to improving its members' health and wellbeing and is with them every step of their journey.

The Aetna Health App

The Aetna Health app allows members to file and track claims, find documents and forms, and search for doctors and hospitals, all from the convenience of their mobile phones. It is free to download and can be used by any member who has registered for the Aetna Health Hub.

Aetna also offers discounts on wellness apps such as ClassPass, Peak, Kaia, eQuoo, and more.

Choosing the right international health insurance plan for you and your family is a crucial decision. If you are searching for a new expatriate insurance plan, we suggest you review the following resource:

Best Global Health Insurance Plans

Aetna International FAQs

Does aetna provide international coverage.

Aetna's international health insurance plan is for U.S. citizens living abroad and other nationalities residing outside the U.S. The Aetna Pioneer plan provides comprehensive medical benefits and industry-leading customer service.

Unfortunately, Aetna International is no longer offering individual global medical plans. You can find alternative options here: Global Health Insurance Plans .

Aetna travel insurance is available to groups to cover international employees while traveling abroad. Aetna also offers global group coverage for expatriate employees abroad.

Which countries does Aetna operate in?

Aetna is a global health insurance provider covering expats and foreigners residing throughout the world. The company employs more than 1,600 dedicated workers in more than 15 global locations, including:

Europe (Dublin and London)
Asia Pacific (Singapore, Hong Kong SAR, China, Thailand, Indonesia, Vietnam and the Philippines)
Middle East (Qatar, Dubai and Abu Dhabi)
United States (Hartford, CT, and nationally)

Aetna covers more than 800,000 individuals and offers services through more than 1.3 million medical centers around the world.

Aetna is currently not able to provide coverage in the following countries: USA, Angola, Australia, Bahrain, Bermuda, Botswana, Cayman Islands, China, Cuba, the Congo, Fiji, Ghana, Guam, Hong Kong, Indonesia, Iran, Ireland, Japan, Kenya, Malawi, Mozambique, Russia, Saudi Arabia, Singapore, South Africa, South Korea, Switzerland, Syria, Tanzania, Thailand, Uganda, Ukraine, UAE - Abu Dhabi, Vietnam, Zambia, and Zimbabwe

How much does an Aetna International health insurance plan cost?

The International medical plan premiums range, on average, from $100 per month to $300 per month. Get a Free Quote to receive custom pricing for your situation.

Other costs associated with any international health plan include deductibles and co-pays. These additional fees are lowered or waived for approved care from eligible medical providers. If you choose to receive care out of network the fees may be higher. You can work with an Aetna representative to find eligible providers in your country of residence.

Does Aetna have a travel insurance plan?

Aetna does not currently offer a travel insurance plan to individual travelers or families. They do offer group travel insurance plans to organizations, companies, and non-profits. If you need travel medical insurance or a trip cancellation plan, we have other options. Visit:

Travel Medical Plans or Compare Travel Medical Insurance – Covers medical expenses as well as other risks when traveling overseas for less than a year
Trip Insurance Options or Compare Trip Insurance – Covers the cost of your trip with some additional benefits (lost luggage, trip delay, etc.)

Best International Health Insurance Companies

Expat Insurance: Health, Life, and Travel Insurance

International Health Insurance Plans

Get a fast, free, international insurance quote., global medical plans, specialty coverage, company info, customer service.

Protect Your Trip »

Does your health insurance plan cover you while abroad.

A primer on figuring out if you're covered and advice on investing in supplemental insurance.

Does Health Insurance Cover You Abroad?

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First, determine if your plan covers emergency care abroad. Then decide if buying supplemental coverage is a smart decision based on factors like your itinerary and any pre-existing health conditions.

Picture this: You're traveling overseas and you come down with a fever. You don't speak the native language and you're uncertain if your health plan covers medical care, like a visit to a doctor or hospital, abroad.

While this is probably the last scenario you want to consider while planning your trip, medical emergencies happen. But here's the silver lining: You can easily find out what your insurance will cover while traveling abroad by asking your provider a few key questions. To determine what coverage you have, and what you'll need when traveling overseas, begin by asking these five questions.

1. What does my health plan cover overseas?

The level of medical coverage available for international travel can vary widely, depending on your domestic health care provider and plan. The State Department advises contacting your insurance company prior to your trip and inquiring about the specific medical services overseas that are included in your coverage.

The Centers for Disease Control and Prevention also encourages travelers to ask what's excluded from their policy, such as risky activities. And depending on what is available to you, the CDC advises considering a supplemental policy. The State Department also recommends inquiring about specifics such as whether the plan includes coverage for emergency evacuations to the U.S. and pre-existing medical conditions. You should also familiarize yourself with any out-of-pocket costs that you may encounter for medical procedures or services overseas.

[ Compare travel insurance plans and get a quote .]

2. What if I have Medicare?

Keep in mind that Medicare does not cover emergency medical service for travelers out of the country. There are some Medigap plans that can offer supplemental coverage but remember that there is a lifetime cap of $50,000 for foreign travel emergency coverage.

3. What about emergency medical evacuations?

Few domestic health insurance providers will pay to transport ill patients back to the United States. And emergency evacuations can be expensive, costing more than $100,000, depending on your health condition and where you're located at the time the emergency takes place. If you're visiting a place that's isolated or where the quality of health care is subpar, do a cost-benefit analysis of investing in a supplemental evacuation insurance plan.

4. Should I buy travel medical insurance for my next vacation?

It's a smart idea to consider investing in travel insurance . But before you make a final decision, you'll want to evaluate a variety of factors, including the type of trip you're planning and if you'll be taking part in risky activities, such as scuba diving or mountain climbing during your trip. According to the CDC, there are three types of insurance travelers should consider while traveling: trip cancellation insurance, travel health insurance and medical evacuation insurance.

And according to a report released by InsureMyTrip, a travel insurance comparison and booking site, 75 percent of the site's consumers pick comprehensive travel insurance plans, which typically include emergency medical coverage, emergency medical evacuation coverage, trip cancellation coverage, trip interruption coverage and baggage coverage.

Another important reason to consider purchasing travel health insurance is that travel health insurance can help fill any gaps in domestic health insurance coverage. Plus, travel health insurance can provide 24/7 emergency assistance to help aid you in the event of a medical emergency. A licensed travel insurance agent can provide advice on appropriate coverage limits and how to qualify for coverage for pre-existing medical conditions.

5. What if I have to file a claim?

A claim is typically required in order to request reimbursement for medical bills. Most providers will require all hospital records (usually translated if in a non-English language) and receipts in order to evaluate the validity of the claim.

Travelers are encouraged to enroll in the Smart Traveler Enrollment Program (STEP) prior to international travel. Doing so will notify the nearest U.S. Embassy or Consulate of your travel plans. The local embassy can also help connect American travelers with a local medical facility.

Tags: Travel , health insurance , Travel Tips

About En Route

Practical advice on the art of traveling smarter with tips, tricks and intel from En Route's panel of experts.

Contributors have experience in areas ranging from family travel, adventure travel, experiential travel and budget travel to hotels, cruises and travel rewards and include Amy Whitley , Claire Volkman , Holly Johnson , Marsha Dubrow , Lyn Mettler , Sery Kim , Kyle McCarthy , Erica Lamberg , Jess Moss , Sheryl Nance-Nash , Sherry Laskin , Katie Jackson , Erin Gifford , Roger Sands , Steve Larese , Gwen Pratesi , Erin Block , Dave Parfitt , Kacey Mya , Kimberly Wilson , Susan Portnoy , Donna Tabbert Long and Kitty Bean Yancey .

Edited by Liz Weiss .

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Have questions we can help..

Call us at 1-833-570-6670 (TTY: 711) between 8 AM and 8 PM, seven days a week. Or visit AetnaMedicare.com

Human Resources

Travel insurance through aetna global benefits world traveler, medical coverage for international travelers to all locations.

CMU provides international travel health insurance through Aetna Global Benefits World Traveler at no charge to full-time employees traveling on official Carnegie Mellon business in a foreign country for less than 180 days.

The plan provides a variety of services, including:

Emergency medical, evacuation and repatriation services
Medical information, records and physician assistance
Travel and personal assistance
Personal security assistance
Online information resources

Eligibility

To be eligible for the Aetna coverage, you must be:

a full-time employee,
under age 80, and
traveling for less than 180 days on CMU business.

If you are traveling internationally on CMU business, complete the following applicable International Travel Registration Form at least seven business days prior to departing:

International Travel Registration Form — Qatar [pdf]
International Travel Registration Form — All Other Locations [pdf]

Contact HR Services by calling 844-625-4600 or submit a request for assistance (Andrew ID login required) and create an HR/Payroll ticket.

Information for Travelers

International finance.

Traveling to Qatar
Shipping Packages/Mail
email: [email protected]

Qatar Security Questions

Stephen McCarty Director of Safety and Security tel: +974 4454-8434 mobile: +974 6682-4109

Other CMU Resources

CMU Global Presence
Office of International Education

U.S. State Department Country Information

Other Countries

Healthcare in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English.

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations.

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address: 4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address: 26 Prospekt Mira, Building 6

European Medical Center

www.emcmos.ru Address: 5 Spiridon'yevskiy Pereulok, Building 1

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

Expat Health Insurance

Cigna Global Health Insurance. Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider. Get a quote from Cigna Global - 20% off

Aetna Aetna International, offering comprehensive global medical coverage, has a network of 1.3 million medical providers worldwide. You will have the flexibility to choose from six areas of coverage, including worldwide, multiple levels of benefits to choose from, plus various optional benefits to meet your needs. Get your free no-obligation quotes now!

Moving Internationally?

International Movers. Get Quotes. Compare Prices. Sirelo has a network of more than 500 international removal companies that can move your furniture and possessions to your new home. By filling in a form, you’ll get up to 5 quotes from recommended movers. This service is free of charge and will help you select an international moving company that suits your needs and budget. Get your free no-obligation quotes from select removal companies now!

Free Moving Quotes ReloAdvisor is an independent online quote service for international moves. They work with hundreds of qualified international moving and relocation companies to match your individual requirements. Get up to 5 free quotes from moving companies that match your needs. Get your free no-obligation quotes now!

Best International Travel Insurance for April 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance Companies

Best overall: Allianz Travel Insurance

Best for exotic travel: World Nomads Travel Insurance

Best for trip interruption coverage: C&F Travel Insured

Best for families: Travelex Travel Insurance

Best for long-term travel: Seven Corners Travel Insurance

Best overall: Allianz

Allianz Travel Insurance offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs.

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage.

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away.

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely.

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses.

Read our Travelex insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million.

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication.

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip.

Determine your needs

Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
Determine your budget and the amount of coverage you require.
Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations.

Research the reputation of the company

Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews.
Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably.
Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

Get quotes from multiple providers to compare rates and coverage options.
See if the company provides discounts or special offers to lower your cost.
Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it.

Understanding international travel insurance coverage options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply.

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including:

Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages.
Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available.
Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently.
Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness.

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies.

Which company has the best international travel insurance?

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard.

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip.

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

Best International Travel Insurance for April 2024

Traveling to US? Here’s why travel medical insurance should be your top priority in 2024

Travel medical insurance can safeguard your health, finances, and overall travel experience.

As you embark on your journey to explore the United States, the importance of travel medical insuranc e cannot be overstated. Whether you are exploring the bustling streets of New York City, taking in the breathtaking vistas of the Grand Canyon, or indulging in the vibrant culture of New Orleans, unforeseen medical emergencies can happen anywhere, at any time. As you plan your journey to the United States in 2024, making travel medical insurance your top priority is not just a precautionary measure; it is a necessity. Here is why:

Healthcare costs in the US

The United States boasts world-class medical facilities and top-notch healthcare professionals. However, this quality comes at a cost, and healthcare expenses in the USA can be exorbitant. Even a normal doctor’s visit or a minor medical procedure can leave you with a hefty bill. Without adequate insurance coverage, you could find yourself facing financial strain due to medical expenses.

Protection against unexpected medical emergencies

No one plans to fall ill or get injured while traveling, but accidents and illnesses can occur unexpectedly. Whether it is a sudden illness, a slip and fall, or a more serious medical emergency, having travel medical insurance provides you with financial protection and peace of mind. From hospitalization and emergency room visits to surgeries and prescription medications, your insurance policy can cover the expenses, sparing you from the burden of hefty medical bills.

Access to quality healthcare services

With travel medical insurance, you gain access to a network of healthcare providers and facilities that meet international standards, including Preferred Provider Organization (PPO) networks.

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CMS Star Rating Average Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).

Aetna no longer has the lowest Part D premiums on the market (that's Wellcare for 2024), but its prices are still lower than most, and some of its out-of-pocket costs have come down. The company gets average star ratings from CMS.

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Out-of-pocket costs Based on how frequent and how high a company's copays, coinsurance and deductibles are in comparison to other insurance companies.

Member experience The average of CMS' star ratings for quality measures in the domain "Member Experience with the Drug Plan," weighted by contract enrollment.

2.5 (Below average)

Premiums are lower than most competitors.
Identical cost-sharing for in-person and mail-order prescription fills.
The SmartSaver plan has a lower deductible and smaller copays than previous years.
No longer the cheapest on the market.
Weak ratings for helping members get and take medications.

Aetna Medicare Part D plans cover about 5.1 million Medicare beneficiaries as of March 2024, making Aetna the second-largest Medicare Part D company [0] Centers for Medicare & Medicaid Services . PDP Plan Directory . Accessed Mar 26, 2024. View all sources .

Aetna has lost about a million Medicare Part D members since 2023, likely in part because it’s no longer the cheapest Medicare Part D option in many markets.

Aetna is a CVS Health company, and it sells prescription drug plans under the SilverScript brand name. Aetna's SilverScript Medicare Part D plans get average star ratings from the Centers for Medicare & Medicaid Services (CMS) and have the second-lowest Part D premiums on the market, on average.

Here’s what you should know about Aetna Medicare Part D prescription drug plans.

Aetna Medicare Part D pros and cons

Aetna's SilverScript Medicare Part D plans have advantages and disadvantages.

Low premiums: Aetna’s premiums are among the lowest on the market, especially for the SilverScript SmartSaver and Choice plans.

Retail/mail-order options: You can choose to get drugs in person or by mail without any cost implications.

Out-of-pocket costs: Aetna’s low-cost SilverScript SmartSaver plan has lower copays and deductibles than it did in previous years.

No longer the cheapest: In previous years, Aetna has offered the lowest average Medicare Part D premium on the market, but for 2024, Wellcare has lower prices, on average.

Subpar quality ratings: Aetna underperformed on nine out of 12 Medicare Part D quality measures, including almost every measure related to helping members get and properly take their medications.

Aetna Medicare Part D star ratings

Average Part D star rating, weighted by enrollment: 3 stars

The Centers for Medicare & Medicaid Services (CMS) rates Medicare Part D plans on 12 quality measures [0] Centers for Medicare & Medicaid Services . Medicare 2024 Part C & D Star Ratings Technical Notes . Accessed Mar 26, 2024. View all sources . (You can find definitions for each of these factors in the CMS Star Ratings Technical Notes .)

These ratings use a 5-point scale where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually [0] Centers for Medicare & Medicaid Services . Fact Sheet - 2024 Medicare Advantage and Part D Star Ratings . Accessed Mar 26, 2024. View all sources .

Based on the most recent year of data, stand-alone Aetna Medicare Part D prescription drug plans get an overall rating of 3 stars [0] NerdWallet analysis of CMS Data . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Mar 26, 2024. View all sources . The average for all stand-alone Medicare Part D plans from all insurance companies, weighted by enrollment, was 3.15 stars as of March 2024.

» MORE: Medicare star ratings: How they can help you choose a plan

Still deciding on the right carrier? Compare Medicare Part D Plans

Aetna silverscript medicare part d prescription drug plans.

Medicare beneficiaries with Original Medicare ( Part A and/or Part B ) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.

There are three Aetna Medicare Part D plans available for 2024 [0] Aetna . Prescription Drug Plans Offer Real Options . Accessed Mar 26, 2024. View all sources :

SilverScript SmartSaver: Aetna highlights this plan’s low premiums, $0 deductible and $0 copays for Tier 1 generic drugs.

SilverScript Choice: Aetna highlights this plan’s $2 copay for Tier 1 generic drugs.

SilverScript Plus: Aetna highlights this plan’s $0 deductible and $0 copays for Tier 1 and Tier 2 drugs, as well as coverage for certain drugs, vitamins and supplements.

Aetna Medicare Part D cost

Aetna medicare part d premiums and deductibles.

For 2024, Aetna has raised prices for all of its plans. The high-end SilverScript Plus plan sees the biggest change — it’s over $25 per month more expensive than last year, on average. Average monthly premiums for the low-cost SilverScript SmartSaver plan are up by about $5, and for the mid-range SilverScript Choice plan, they’re up by about $11.

Deductibles are a mixed bag for 2024. The deductible for the SilverScript SmartSaver plan has fallen from 2023’s maximum of $505 to a more affordable $280 in 2024.

Deductibles for the SilverScript Choice and SilverScript Plus plans have gone up. The Plus plan had no deductible last year, but in 2024, it’s $200. And for the Choice plan, the deductible has grown to 2024’s maximum that plans are allowed to charge: $545.

Here are the 2024 premiums and deductibles for Aetna's SilverScript Medicare Part D prescription drug plans [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Mar 26, 2024. View all sources :

» If you have concerns about affording Medicare Part D, look into Medicare Extra Help.

$0-deductible options

Two of Aetna’s Medicare Part D plans have a $0 deductible for certain covered drugs:

SilverScript SmartSaver: $0 deductible for Tier 1 (preferred generic) drugs. The deductible is $280 for Tier 2-5 drugs [0] Aetna . SilverScript SmartSaver (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

SilverScript Plus: $0 deductible for Tier 1-2 drugs. The deductible is $200 for Tier 3-5 drugs [0] Aetna . SilverScript Plus (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

Aetna's SilverScript Choice plan has a $545 deductible that applies to all tiers [0] Aetna . SilverScript Choice (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

$0-copay options

Two Aetna Medicare Part D plans have $0 copays for drugs on certain tiers:

SilverScript SmartSaver: $0 copay for Tier 1 drugs from preferred retail or mail-order pharmacies [0] Aetna . SilverScript SmartSaver (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

SilverScript Plus: $0 copays for Tier 1 and Tier 2 drugs from preferred retail or mail-order pharmacies [0] Aetna . SilverScript Plus (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

Copays and coinsurance for drugs on higher tiers can quickly get more expensive. As a result, it’s important to check where your medications and pharmacies fall on each plan’s formulary .

Coinsurance vs. copay requirements

You’ll want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to see what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be more unpredictable and more expensive.

Aetna Medicare Part D plans start requiring coinsurance rather than copays at either Tier 3 or Tier 4, depending on the plan:

SilverScript SmartSaver: Copays for Tiers 1-2; coinsurance for Tiers 3-5 [0] Aetna . SilverScript SmartSaver (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

SilverScript Choice: Copays for Tiers 1-2; coinsurance for Tiers 3-5 [0] Aetna . SilverScript Choice (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

SilverScript Plus: Copays for Tiers 1-3; coinsurance for Tiers 4-5 [0] Aetna . SilverScript Plus (PDP) 2024 Formulary . Accessed Mar 26, 2024. View all sources .

You can enter your medications and pharmacy information on Aetna’s website to see which drugs are covered and review your estimated costs with different plan options.

» MORE: How much does Medicare Part D cost?

Aetna Medicare Part D service area

Stand-alone Aetna Medicare Part D prescription drug plans are available in all 50 states and Washington, D.C. [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Mar 26, 2024. View all sources .

Aetna offers all three of its SilverScript Medicare Part D plan options in all of its markets.

About Aetna

Founded in 1853, Aetna became a subsidiary of CVS Health Corp. in 2018. The company’s headquarters are in Hartford, Connecticut.

Aetna’s health insurance offerings include medical, dental and pharmacy plans. Aetna offers individual and group health insurance, including Medicare Advantage plans, Medicare prescription drug plans and Medicare Supplement Insurance. Aetna covers nearly 11 million Medicare members in the U.S.

Read the NerdWallet reviews of these other Aetna Medicare offerings:

Aetna Medicare Advantage .

Aetna Medicare Supplement Insurance (Medigap) .

Compare Medicare Part D companies

Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.

AARP Medicare Part D from UnitedHealthcare .

Aetna Medicare Part D .

Cigna Medicare Part D .

Humana Medicare Part D .

Mutual of Omaha Medicare Part D .

Wellcare Medicare Part D.

Find the right Medicare Part D prescription drug plan

The interactive tool on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you.

Here are some things to keep in mind when comparing plans:

Check the formulary: You’ll want to make sure the medicines you currently take and, importantly, any you think you might need in the future, are covered under each of the plans you’re considering. Talk to your health care providers about what brand-name and generic medicines to look for and any alternatives that may also work in case you can’t find your current medicines on the plans available in your area.

Look for plan changes: Formularies change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read that document carefully.

Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Check to see if your pharmacy or an equally convenient one is in the plan’s network. Also, compare prices for using mail order.

If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period , Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.

A report warned the state about the Washington Bridge in 2015. Why was nothing done?

Nearly a decade before the westbound Washington Bridge was hastily closed to avoid collapse, the engineering firm the state hired to study it found structural problems and called for repairs.

But many, and possibly most, of the key repairs recommended by engineering firm AECOM in a 2014-2015 evaluation of the bridge were unaddressed by the time the bridge was closed Dec. 11, 2023.

Traffic mostly flowed across the bridge as usual over the next several years after the AECOM report.

Construction workers and bridge inspectors paused for a few hours one hot day in July 2022 when President Joe Biden's motorcade crossed the span on its way from Brayton Point to T.F. Green International Airport, emails show. There was no evidence they were concerned he was traveling on anything dangerous.

But the problems with the bridge hadn't gone away. They were hidden within the concrete girders and cantilevers undetected until, during painting of the bridge's steel span late last year, someone spotted a snapped tie-down rod and noticed that the whole structure was "bouncing."

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Why it matters

A forensic analysis by engineers is due out by the end of the month and was delayed to coordinate with the state’s legal team.

Many questions about what went wrong with the bridge may be answered, but many will likely remain unanswered.

One is whether the bridge could have been saved if the repairs recommended by AECOM in 2014 had been done immediately or if there had been a weight restriction placed on the bridge.
Even if the bridge could not have been saved by repairs, would earlier attempts to fix the steel beams have identified the problem sooner and avoided what may have been years of traffic crossing an unsafe bridge?

What did the 2014 analysis say?

A soup-to-nuts evaluation of the bridge conducted by AECOM in 2014 and published in January 2015 found that several parts of the bridge’s structure would need to be strengthened to meet current federal guidelines, and found that the ends of some bridge beams "to be inadequate to resist shear" from stresses delivered by heavy vehicles.

"Until repairs can be performed and members strengthened, the bridge should continue to be monitored," AECOM stated in the report. The firm found that:

"In the existing condition ... the structure requires load posting for 11 of the 15 applicable Legal and Permit trucks."
"Approximately one third of the drop‐in beams will require repairs to eliminate the need for load posting"
35 beam-end locations will require "permanent steel jacketing"
"For both interior and exterior beams the vertical tension tie reinforcement (stirrups) provided at the ends of the beams was found to be inadequate"
"Several locations" in the tops of the concrete vertical piers that support the superstructure "do not have sufficient strength to meet" the current design standard

The firm estimated the cost of repairs at $7.7 million, and would eliminate the need for load posting – the limiting heavy loads on a bridge to a specific weight.

The repairs were planned with AECOM's help and put out to bid by the Rhode Island Department of Transportation, but a 2016 repair contract was canceled before it was finished. A new bridge repair project started in 2021, but the consortium hired to design and perform that work was just getting to the crumbling concrete beams in question when the highway was shut down and work halted in December.

Between the lines: Reports contradict narrative that there was no warning

Despite the warnings in AECOM's evaluation, and concerns from different engineers in 2009 and 2012, there was seemingly little alarm about the bridge among state officials, according to a Journal review of hundreds of bridge-related documents , including emails, inspection reports, technical analyses, photos, bids, contracts, change orders and lawsuits.

The documents, obtained through multiple Access to Public Records requests and other means, show warnings about the structure going back years that clash with the narrative that the bridge had been fine before a sudden, violent incident damaged it late last year.

They also contradict the claim that no one had suggested the bridge should have a weight limit for heavy trucks.

In fact, contractors working on the bridge when it closed in December had been questioning the DOT's structural assessment of the bridge for more than a year before the emergency.

A closer look: AECOM revised its finding, despite damage

Around three years after finding significant deterioration on the bridge, AECOM engineers re-evaluated the old beams they had raised red flags about and appear to have changed their tune.

AECOM approved a new load rating for the bridge under updated design standards for modern trucks . The "existing [weight limit] posting signs for the structure can be removed," AECOM wrote in 2017.

In the annual inspection reports posted on the DOT's website, the rating for the bridge jumped from 34 tons in 2016 to 52 tons the following year , despite no evidence that major repairs had been completed.

What went wrong with the bridge that triggered its shutdown?

The discovery of broken tie-down roads in December closed the bridge, but the discovery in January of severe problems with the bridge's post-tensioning system turned what would have been a repair project into a demolition job.

Most of the bridge’s spans are made of pre-stressed concrete, bolstered by an internal web of steel rods and cables to add strength.

In "post-tensioning," tendon cables are run through ducts in the concrete, pulled tight and anchored, squeezing the beams into compression to make them more resistant to bending or cracking under heavy loads. The ducts are filled with grout to secure and protect them.

When experts looked closer at the bridge, they found active corrosion of exposed tendon anchors, voids within the ducts, soft grout, corroded tendons and cracked, unsound concrete, according to a February report from VN Engineers.

Without the post-tensioning system working as intended, the bridge might become unstable under heavy load even if the tie-down rods are fixed, VN said.

Even back in 2012, when Michael Baker Engineering evaluated the bridge, inspectors found four "exposed and broken prestressing strands" at the end of one of the beams.

Behind the scenes: The repair saga

To give the bridge another 25 years of use, AECOM recommended repairing damaged concrete at the ends of the beams and then wrapping them, and the tops of the piers they sit on, in Fiber Reinforced Polymer.

Damage to the beam ends was happening "where existing deck joints have leaked," and AECOM proposed to eliminate up to two-thirds of the deck joints on the bridge.

Zoom out: Political jockeying around bridge repair

The AECOM analysis was performed in the waning days of Gov. Lincoln Chafee's administration and published just as Gina Raimondo was sworn in as Rhode Island governor.

Peter Alviti Jr. was quickly tapped to overhaul the Department of Transportation and embark on a massive statewide bridge reconstruction campaign.

Using the evaluation, the DOT went out to bid in January 2016, expecting the project to cost $17.2 million, $10 million of that construction and the rest design and soft costs.

By October that jumped to an estimated $23.5 million, on $16.3 million construction costs.

And in January, 2017 the state entered into a $14,697,281 contract with Cardi Corp. The work included lifting up and repairing bridge beam ends, repairs to structural concrete masonry and fiber reinforced wraps of beams and pier caps.

At the same time, AECOM re-evaluated the bridge’s load rating, despite computer modeling still showing the bridge’s strength inadequate. A "live load test" found it passed statutory muster.

AECOM referred all Journal questions on the Washington Bridge to the DOT.

The extent of the work Cardi completed is difficult to pin down and was the subject of a 2021 lawsuit by joint venture of Barletta Heavy Division and Aetna, who bid against Cardi to finish the job.

The reasons why Cardi never finished the initial bridge contract are also murky.

'Kinda sketchy': Barletta claims 'industrial espionage' in contaminated soil case. Here's the lawsuit.

Another force in play: Political points to be scored over 'The Gina Jam'

AECOM also developed a traffic plan to keep cars moving across the Seekonk River, recommending closing the Taunton Avenue on-ramp in East Providence and the Gano Street off-ramp in Providence.

People on both sides of the river balked at the congestion those closings would cause in their neighborhoods and the DOT changed plans.

The ramps stayed open in the summer of 2018 when travel lanes on the bridge were reduced to make space for workers and the resulting vehicle weaving induced paralyzing backups on I-195.

The traffic was dubbed “The Gina Jam" by Cranston Mayor Allan Fung, Raimondo's GOP opponent for governor in the 2018 election, and within several days the traffic pattern was scrapped and work disrupted.

A little less than a year after "The Gina Jam," on July 18, 2019, the DOT told Cardi it would terminate the Washington Bridge contract, at no fault to Cardi, with the contractor responsible for finishing a punch list of work by June 13, 2020.

When the bridge closed in December 2023, Alviti told reporters the traffic jam kept the bridge work from being completed, but also said Cardi was "not performing that contract in accordance with the agreement that we had with them."

The termination agreement written by the DOT blames the "temporary traffic control" arrangement for causing "unacceptable levels of congestion during the rush hour periods."

The price of Cardi developing an alternate traffic plan was also deemed “unacceptable.”

Meanwhile: The bridge’s condition worsens

The termination also stated that the repairs Cardi was undertaking would be “insufficient.”

In other words, the bridge was in bad enough shape in 2018 and 2019 that the repairs engineers had outlined five years earlier – when they found it structurally inadequate – would not be enough to fix it.

A 2020 inspection by AECOM found, unsurprisingly, that the unaddressed problems in the bridge had only gotten worse.

“A number of new hollow areas and spalls were found during this inspection," Corey Richard, Northeast transportation operations manager for AECOM, wrote in a 2020 email.

The DOT agreed to pay Cardi $13.7 million of the $14.7-million contract for the unfinished bridge job and went out to bid again on a much larger project to complete the work.

Behind the scenes: Cardi vs. Barletta

The Washington Bridge "Phase 2" project would be done as a design-build contract, where a single bidder handles most of the design and engineering as well as construction.

The project also included:

Widening the bridge
Adding a new Waterfront Drive off-ramp in East Providence
Fixing the Gano Street ramps in Providence.

Of the three bidders on the Phase 2 contract, Cardi was the low bidder and selected by the DOT.

But Barletta-Aetna challenged the award and then the Federal Highway Administration, which was picking up most of the tab for the bridge work, stepped in. The FHWA said Cardi's bid didn't meet the requirements of the RFP and refused to fund it. After more legal wrangling, the job went to Barletta-Aetna.

Bridge concerns come to light

In the spring of 2022, the engineers working under the Barletta-Aetna venture became concerned by what they were seeing now that they finally had access to the bridge.

Their bid was based on the evaluations done years earlier by AECOM, and AECOM was also the owner's representative on the project, advising the state on technical questions beyond the capacity of in-house engineering staff.

VHB, which was doing engineering for Barletta-Aetna, hired VN Engineers as a subcontractor to study the bridge's condition.

In May 2022, VN raised concerns with the bridge's structural rating to AECOM
In Feb. 2023, VN made a presentation to the DOT arguing the bridge needed much more strengthening than originally assumed in the bidding process – at a higher cost

VN calculated that it would take much more Fiber Reinforced Polymer – the same repair material AECOM had prescribed in 2014-2015 – to achieve the structural capacity needed to avoid a weight limit on the bridge.

It recommended double the amount of Fiber Reinforced Polymer for vertical strengthening and 4.5 times the amount for horizontal strength.

The VN presentation said the 2017 AECOM load rating that gave the bridge a clean bill of health and said weight limits could be removed had "significantly overestimated" the strength provided by the post-tensioning system.

State says it won’t pay for extra repair work

The DOT would not approve the changes. If Barletta-Aetna thought it needed to add more fiber to the bridge, it would have to cover the cost, estimated at around $4.5 million according to a Barletta spokesperson.

The agency and its contractor would argue about who would pick up the tab for the proposed change through much of last year, according to emails obtained by the Journal.

On Oct. 3, about two months before the emergency shutdown, Anthony Pompei, DOT project manager for the Washington Bridge, told representatives of Barletta, VHB and AECOM that the state "disagree(s) any of the efforts required to design and install the necessary strengthening would be considered extra work" the state would pay for.

Regardless of who was on the hook for the extra work, Pompei's response does not dispute the contractor's argument that the 2016 AECOM analysis was flawed or that the bridge was not as strong as it was supposed to be.

What to watch: DOT refuses to answer questions about previous concerns

At a General Assembly Joint Oversight Committee hearing at the State House in February , Alviti said he didn't "believe we have ever had to post a load rating on the Washington Bridge."

Rep. Joseph Solomon Jr., a Warwick Democrat, asked: Was a load rating ever recommended?

"I have asked my engineers that," Alviti said. "They are not aware of any recommendations that came to them for posting the bridge to less than what its capacity is."

Sitting next to Alviti was Jeff Klein, director of structural engineering at VHB, part of the team that had been arguing for months that the AECOM load rating was bad.

He acknowledged that "our subconsultant VN" had done an analysis that was "getting different results" from the existing load rating, but said he could "not speak to the details of it."

"I don't feel like I got a satisfactory answer on that," Solomon said last Wednesday about whether the bridge should have been under a weight limit before it was suddenly deemed a collapse risk.

In the weeks since The Journal first asked about the history of structural concerns about the Washington Bridge – including AECOM's 2014-2015 concerns, the 2017 load rating upgrade and last year's VN presentation on – the DOT has refused to answer any questions about them.

In an April 5 news conference announcing the hiring of a legal team to recover money from those involved in mistakes made on the Washington Bridge, Gov. Dan McKee denied there would be any "gag order" on information about the bridge, including at the DOT, while the litigation campaign ramps up.

"No. I'm going to be out in front of this mic multiple times and you're going to ask questions and I'm going to answer," McKee said.

A few hours later that day, DOT spokesman Charles St. Martin responded to questions about the AECOM reports with this email: "We are awaiting the results of the forensic review. Please know the forensic team has been provided all the relevant documents including information relative to your inquiry."

The DOT not only declined to explain how the bridge's structural inadequacies went away, but whether the weight-limit signs AECOM said could be taken off the bridge ever existed.

Best for Senior Pets
Best for Customization
Best for Bundling
Best for Preexisting Conditions
Best for Alternative Therapy
Best for Exotic Pets
Best for Unlimited Coverage

How We Rate Pet Insurance

Best cheap pet insurance companies of april 2024.

Many pet owners may be reluctant add the cost of pet insurance to their monthly budget. However, most pet owners will experience at least one pet emergency and spend between $2,000 to $4,000, according to the North American Pet Health Insurance Association (NAPHIA). While the most comprehensive pet insurance may be out of your budget, there are cheap pet insurance options available that will give you peace of mind without breaking the bank.

Best Cheap Pet Insurance Companies of 2024

Best price: pets best pet insurance, best for senior pets: figo pet insurance, best for customization: spot pet insurance.

Best for Bundling: Best for Bundling: Lemonade Pet Insurance

Best for Preexisting Conditions: ASPCA Pet Insurance

Best for alternative therapy: healthy paws pet insurance, best for exotic pets: nationwide pet insurance, best for unlimited coverage: trupanion pet insurance.

If you're looking for pet insurance at a cheap rate, Pets Best Pet Insurance has some of the lowest prices in the industry. You can go to any licensed veterinarian. However, it should be noted that in Insider's staff experiences with Pets Best policies, the reimbursement rate is also applied to your deductible.

So if you had a $500 deductible with 90% reimbursement, a $500 claim would leave you with another $50 left on your deductible, with charges applied based on the 90% reimbursement rate. This is not unusual, but it should factor into your budget and policy choices.

Pets Best offers three types of plans: accident-only, accident and illness, and a wellness plan. With highly customizable options, you can further lower your rate. Plus, the insurer doesn't have an age gap on pet insurance.

Unfortunately, if you're looking for alternative treatments like herbal and holistic treatments, consider searching elsewhere.

Annual coverage options: $5,000, unlimited
Reimbursement options: 70%, 80%, 90%
Deductible options: $50, $100, $200, $250, $500, $1,000
Average monthly cost: Dogs - $20; Cats - $12

Read our Pets Best Pet Insurance review here.

Many pet insurance providers will only insure pets younger than 14. Insurers may put an age cap on eligibility because pets, like humans, tend to develop health conditions as they age. However, Figo Pet Insurance will insure your furry friend, regardless of age. Whatever plan you consider, understand pet insurance companies will not cover preexisting conditions . For dogs or cats with a history of allergies, cancer, diabetes, or other conditions, this would still leave pet parents on the hook for related bills if diagnosed before buying your plan.

Figo offers three plans: the Essential plan, the Preferred plan, and the Unlimited plan. This insurer provides ample coverage choices to customize your policy based on your pet's needs and your budget.

Unfortunately, Figo doesn't sell a basic, accident-only plan, which is generally cheaper than an accident-illness or wellness program. Additionally, while it reimburses you, you must pay your vet bills upfront. Many pet parents resolve this issue using services like CareCredit, which can be paid off after completing the claim. If you're interested in Figo, we recommend Costco members go through the retail giant's partnership with Figo as you get 15% off standard premiums.

Annual coverage options: $5,000, $10,000, unlimited
Reimbursement options: 70%, 80%, 90%, 100%
Deductible options: $100, $250, $500, $750
Average monthly cost: Dogs - $26; Cats - $14

Read our Figo Pet Insurance review here.

With Spot Pet Insurance , you have nine annual coverage limits, three reimbursement, and five deductible options. This insurer offers an excellent range of policy coverages to mix and match as you choose. Of course, your monthly premiums will vary accordingly.

Spot pet insurance also offers an accident-only and accident-illness plan. The company as a wider range of pet coverage that many competitors lack, like prescription food and behavioral modification. Based on our research at the time of this guide, Spot doesn't sell wellness plans. However, you can add the gold and platinum preventative care plan to supplement your policy.

Annual coverage options: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, unlimited
Deductible options: $100, $250, $500, $750, $1,000
Average monthly cost: Dogs - $28; Cats - $14

Read our Spot Pet Insurance review here.

Best for Bundling: Lemonade Pet Insurance

Lemonade Pet Insurance is a relatively new pet insurance company. Aside from pet insurance, it also offers home, car, and renters insurance (which received high marks for customer satisfaction). So you can bundle your pet insurance with other products for 10% additional savings.

If you're a tech-savvy shopper, you may appreciate Lemonade's highly-rated mobile app and user-friendly digital platform. You could purchase a policy, manage your claims, and access your insurance ID at the touch of your fingertip. Unfortunately, Lemonade is not available in all states yet. So be sure to check and see if Lemonade is available to you. But with up to $100,000 in annual coverage, Lemonade covers most significant health events for pets.

Annual coverage options: $5,000, $10,000, $20,000, $50,000, $100,000
Deductible options: $100, $250, $500
Average monthly cost: Dogs - $28; Cats- $14

Read our Lemonade Pet Insurance review here.

Unfortunately, all pet insurance providers exclude preexisting conditions from coverage. This is because pet insurance companies have to mediate risk to keep premiums low for everyone. However, several companies will cover preexisting conditions if your pet has been symptom- and treatment-free for some time. ASPCA Pet Insurance is one of those providers.

ASPCA pet insurance will cover curable preexisting conditions if your cat, dog, and even horses if your pet has been symptom-free for over 180 days (excluding ligament and knee conditions).

With ASPCA pet insurance, you choose an accident-only, accident and illness, and preventative care plan. ASPCA pet insurance's comprehensive programs cover alternative therapies, behavioral issues, and congenital and hereditary conditions. The provider even covers pet microchipping. When going through the quoting process online, we were told we must speak to a live representative to obtain a quote for unlimited annual coverage.

Annual coverage options: $3,000, $4,000, $5,000, $7,000, $10,000
Average monthly cost: Dogs - $33; Cats - $17

Read our ASPCA Pet Insurance review here.

Only a few providers offer alternative medicine if you prefer to take the holistic and herbal route when seeking treatment for your pet. Healthy Paws Pet Insurance offers a comprehensive list of non-invasive forms of therapy, including acupuncture, hydrotherapy, physical therapy, laser therapy, and massage care, as long as a licensed veterinarian provides the treatment.

The trade-off, however, is Healthy Paws won't cover preventative and wellness care. Its site specifies Healthy Paws believes wellness costs can be planned for. For example, you expect to do a yearly exam and get updated vaccines, and even if you save a little bit each month, you can plan accordingly. However, accidents and severe chronic illnesses are difficult to plan for, and costs are frequently unreasonable. So Healthy Paws focuses on the most significant area of need it sees.

Annual coverage options: Unlimited
Reimbursement options: 50%, 60%, 70%, 80%, 90%
Deductible options: $50, $100, $250, $500, $750, $1,000
Average monthly cost: Dogs - $37; Cats - $18

Read our Healthy Paws Pet Insurance review here.

Finding cheap pet insurance may be challenging if you have an exotic pet like a bird, rabbit, or reptile. Nationwide Pet Insurance is currently the only pet insurance company to offer wide-reaching coverage for many exotic pets. Other companies offer "discount plans," much like human prescription discount plans. However, you'd have to work with specific vets, and coverage would be specific to the treatment provided.

Nationwide pet insurance offers three pet insurance plans:

Major Medical (accident and illness plan)
Whole Pet (more comprehensive accident and illness plan)
A wellness plan

Nationwide offers various conditions in its plans. However, the coverage is set. Nationwide's sample accident and illness policy broke down many potential diagnoses with primary and secondary diagnoses allowances. Ultimately, each buyer will receive a policy breakdown. However, Nationwide is a more expensive pet insurance provider with limited flexibility.

Annual coverage options: Per condition
Reimbursement options: 50%, 70%, 90%
Deductible options: $250
Average monthly cost: Dogs - $35; Cats - $14

Read our Nationwide Pet Insurance review here.

Trupanion Pet Insurance is one of the pricier insurers on this list. Also, it offers a limited selection of policy options. However, if you're looking for a plan with unlimited coverage, Trupanion may be your winner. Unfortunately, we've all heard of the unexpected accident or illness in an otherwise healthy pet calling for emergency care.

Some emergency surgeries can easily surpass $20,000, and you might be on the hook for follow-up care, rehab, and even further surgeries. These are the times when unlimited care could be the saving grace to save your furry friend.

Trupanion offers deductibles ranging from $0 to $1,000. What's unique about this insurer is you'll only have to pay the deductible once per condition. For example, say your pet develops an illness requiring ongoing treatment. While most insurers will need you to pay a deductible yearly, you'll only have to pay your deductible once when the condition appears, potentially saving you money. This is handy for chronic conditions like allergies, diabetes, and cancer.

Reimbursement options: 90%
Deductible options: $0 to $1000
Average monthly cost: Dogs - $50; Cats - $22

Read our Trupanion Pet Insurance review here.

We review a company based on several benchmarks and compare it against the industry standard.

Affordability: We consider an insurer cheap if it meets or is below the industry average premiums. We also compare the prices against its competitors.
Policy customization: We look at the breadth of an insurer's policy options. Policy options include the number of annual coverages, deductibles, and reimbursement options. The price is not the only determining factor if you compare a $50 for unlimited coverage with 80% reimbursement with a $10 policy with a $5,000 annual cap.
Waiting period: A waiting period is the time between purchasing a policy and when coverage kicks in. The average waiting period for accident coverage is three days, and fourteen days for illness coverage. However, waiting periods for genetic conditions and serious illnesses could last a year.
Types of policies available: The best pet insurance companies typically offer three types of plans: accident-only, accident-illness, and wellness plans. We look through an insurer's website to determine if it sells some variation of those three plans.
Exclusions: Pets come in all shapes and sizes. Unfortunately, insurance companies will exclude some pets from coverage, like older pets or even those with curable preexisting conditions.
Company offerings: We look at the extensiveness of a company's policies. Some insurers offer coverage for microchipping, alternative medicine, and other unique conditions.

We go into further detail in our insurance rating methodology .

Which dog breed qualifies for the cheapest pet insurance?

Small, spayed, female mixed-breed dogs are the cheapest to insure, according to North American Pet Health Insurance Association (NAPHIA).

How much is a reasonable deductible for pet insurance?

Consider your needs before choosing a deductible. Choosing a high deductible may lower your monthly premiums. However, to start your coverage as soon as possible, consider choosing a low deductible, like $100 to $500.

When should you use pet insurance?

You'll decide what coverage you're willing to pay for upfront. However, whenever you have a qualifying claim, you should file a claim with your pet insurance provider. Insurance providers may have a time limit on claims, and you have to fulfill your annual deductible before full coverage will kick in.

What is the cheapest pet insurance?

Pets Best pet insurance costs an average of $20 for dogs and $12 for cats, the lowest prices among its competitors. Prices will vary based on your pet's age and breed.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Health coverage, dental, vision and supplemental, member support, the health guide, additional resources, senior travel: 5 health questions to ask before your next trip.

I spent 30-odd years traveling the world for work and pleasure, often visiting less developed countries. Along the way, I faced a variety of health challenges, some due to inadequate health care systems and others to gaps in my own preparations. I’ve dealt with parasites in Peru and a high fever in Thailand and the Philippines.

Each incident gave me new insight into staying strong while away from home. To help ensure your journey is without health surprises, the following precautions are as important as your passport:

1. Do I need to get vaccinations or other preventive drugs?

In tropical countries, preventive medications are critical. During one round-the-world trip, I had to take two such drugs: one for standard malaria, and another to fight the falciparum strain that is endemic in Pakistan. Travelers usually begin anti-malaria pills just before leaving home and continue for a while after their return.

Check the websites of the Center for Disease Control (CDC) and the World Health Organization for recommendations regarding all the countries you intend to visit. Then book a visit with your doctor to review your immunization record and get any boosters or specialized shots you need. If you’re traveling internationally, make your appointment 3 to 6 months in advance, since it takes time for certain vaccines to function. Then keep your immunization record with your other travel papers; some countries require proof upon entry.

2. Does my health plan cover me at my destination?

Most health plans cover expenses inside the United States, but not overseas. First, ask your insurance provider whether they offer coverage for international travel. Some Aetna plans, for example, cover emergency care anywhere in the world, including medical evacuation.

You may also consider travel insurance, which can cover medical expenses as well as trip cancellation and other concerns. Simple travel medical plans can range from $40 to $80 for a week overseas. My wife once accompanied me on a two-week business trip to Ukraine. Near the end, she developed a fever. Besides covering the care she received, our carrier was able to direct us to a doctor trained at the Cleveland Clinic.

3. What should I do if I become sick or injured?

Don’t try to tough it out if you become ill. In fact, you need to pay closer attention to possible symptoms than you would at home. In Ukraine, my wife’s fever turned out to be a severe bronchial infection that required antibiotics. We had planned to go on to Istanbul, but instead cut the trip short when we realized the seriousness of her illness. Thankfully, she recovered within a week of our return.

Heading home may seem like the best option when you’re feeling unwell, but it’s important to first seek treatment. Contagious illness can easily spread among fellow passengers. “If you think you have the flu, see a health care professional,” says John Moore, DO, an Aetna medical director. “Start antiviral medication right away while you rest in your hotel room. That will put other travelers at less risk, since antivirals stop you from being contagious very quickly.”

To find a competent local doctor with whom you can communicate, get recommendations from your insurance provider or hotel. Aetna members, for instance, can find providers in the U.S. and abroad by calling the customer service number on the back of their insurance card.

4. How do I find out if a destination can accommodate my special needs?

From ski resorts and Disney parks to African safaris, many destinations are prepared to cater to travelers with special needs ― but not all of them. A good friend of mine, an accomplished political scientist with limited mobility due to childhood polio, has lectured all over the world. He has always been able to find appropriate accommodations and restaurants with some advance research.

You can call potential facilities directly, but consider connecting first with a support organization or travel agency that understands your condition. The Society for Accessible Travel & Hospitality provides general information on hotels, adaptive travel products (oxygen tanks, dialysis), and resources for a variety of special travel needs including:

Wheelchairs/scooters
Blindness/vision impairment
Deafness/hearing impairment
Cognitive disability
Other medical conditions

If you’re concerned about food allergies or dietary restrictions while away from home (and possibly ordering meals in a foreign language), a little planning will ease your mind. Tour groups, airlines, hotels and restaurants can accommodate most requests with advance notice. And apps like Allergy Translation can help you make your diet needs known on-the-go.

5. What should I bring in my medical kit?

Once while hurrying out on a business trip to Bogotá in 2005, I forgot to pack my medicines. As I tried to replace them, I discovered that in different countries, drugs may be known by different brand names or aren’t available at all and require a substitute. It took me several days to track down pharmacies that understood what I needed and could deliver an appropriate replacement. Now I always travel with a written list of my prescriptions that includes brand and generic names and their function. I leave a copy at home with a family member in case they need to consult with my doctor.

Make sure your medical kit includes all the medicines you regularly use in their original packaging. This will help you clear customs and provide guidance to doctors overseas, if needed. The kit should also include items you need to protect yourself where you travel, such as an inhaler, sunscreen, insect repellant, over-the-counter pain relievers and allergy/cold medicines, and a first-aid kit.

When asked about my favorite destination, I’m hard-pressed to choose just one. I’ve spent considerable time in Chile, especially Santiago, where my wife was born. I have a warm feeling for Thailand, where people always smile when they meet a stranger. One place I haven’t visited yet is Spain, which I hope to remedy in the next year. By being careful with my health when traveling, I have been able to enjoy these trips to the fullest. May your future travels bring you the same joy. Salud!

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About the author

Dr. Joel M. Jutkowitz has over 50 years of experience in international management with a concentration in Latin America, South and Southeast Asia, Eastern Europe and Ukraine. Currently, he is trying to recover from years of sitting behind a desk by exercising as often as he can.

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Aetna Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits and do not constitute dental advice. Treating providers are solely responsible for dental advice and treatment of members. Members should discuss any Dental Clinical Policy Bulletin (DCPB) related to their coverage or condition with their treating provider.
While the Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Dental Clinical Policy Bulletins (DCPBs) describe Aetna's current determinations of whether certain services or supplies are medically necessary, based upon a review of available clinical information. Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between this policy and a member's plan of benefits, the benefits plan will govern. In addition, coverage may be mandated by applicable legal requirements of a State or the Federal government.
Please note also that Dental Clinical Policy Bulletins (DCPBs) are regularly updated and are therefore subject to change.
Since Dental Clinical Policy Bulletins (DCPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies.
Under certain plans, if more than one service can be used to treat a covered person's dental condition, Aetna may decide to authorize coverage only for a less costly covered service provided that certain terms are met.

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See CMS's Medicare Coverage Center

Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
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See Aetna's External Review Program

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For a complete list of participating walk-in clinics, use our provider lookup. Walk in appointments are based on availability and not guaranteed. Online scheduling is recommended. Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. Members enrolled in qualified high deductible health plans must meet their deductible before receiving covered non preventative MinuteClinic services at no cost share. However, such services are covered at negotiated contract rates. This benefit is not available in all states.

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Taking Account of Rising Health Care Costs

Have your out-of-network insurance bills skyrocketed? Chris Hamby, an investigative reporter for The Times, may have an explanation.

By Josh Ocampo

Navigating the health care system in the United States can often feel like being lost in a maze. What kind of doctor should I see? Who takes my insurance? What even is a co-pay, anyway?

For that reason, Chris Hamby, an investigative reporter, has devoted much of his five-year career at The New York Times to guiding readers through such dizzying questions. His latest article, which was published online this month , explored the complex subject of insurance bills.

Last year, Mr. Hamby began investigating MultiPlan, a data firm that works with several major health insurance companies, including UnitedHealthcare, Cigna and Aetna. After a patient sees an out-of-network medical provider, the insurer often uses MultiPlan to recommend how much to reimburse the provider.

Mr. Hamby’s investigation revealed that MultiPlan and the insurers are incentivized to reduce payments to providers; in doing so, they score larger fees, which are paid by the patient’s employer. Many patients are forced to foot the rest of the bill. (MultiPlan said in a statement to The Times that it uses “well-recognized and widely accepted solutions” to promote “affordability, efficiency and fairness” by recommending a “reimbursement that is fair and that providers are willing to accept in lieu of billing plan members for the balance.”)

In an interview, Mr. Hamby shared his experience poring over more than 50,000 pages of documents and interviewing more than 100 people. This conversation has been edited.

Where did your investigation begin?

We were broadly looking at issues in health insurance last year. MultiPlan kept coming up in my conversations with physician groups, doctors and patients. At first, it was unclear what exactly MultiPlan did. There were some lawsuits regarding its work with UnitedHealthcare, but it was difficult to understand the company’s role in the industry. We eventually accumulated more information about MultiPlan’s relationship with big insurance companies.

What were doctors and other providers saying?

Mostly that they’d seen their reimbursements dramatically cut in recent years and that it was becoming difficult for them to sustain their practices. They said they previously had more success negotiating and obtaining higher payments.

Of your findings, perhaps the most surprising is that MultiPlan receives a cut of the money it saves employers.

Yes, but I wouldn’t call it a cut. It’s very complicated. MultiPlan charges a fee based on the savings that they obtain for employers. But in some cases, that savings is passed onto a patient as a bill. Both insurers and MultiPlan have financial incentives to keep payments low because they receive more money, in many cases.

But it wasn’t always that way, correct?

Right. MultiPlan was founded in 1980, and it was a fairly traditional out-of-network cost containment company. Doctors and hospitals agreed to modest discounts with MultiPlan, and agreed not to try and collect more money from patients. It was a balancing act.

But that balancing act changed over time. MultiPlan’s founder sold the company to the Carlyle Group, a big private equity firm, in 2006. It moved away from negotiations and toward automated pricing. They bought one company in 2010, and another, key company in 2011, and in doing so, acquired these algorithm-driven tools that became the backbone of MultiPlan’s business.

You read more than 50,000 pages of documents for your investigation. How does one begin to sift through that much information?

I love a good trove of documents. There wasn’t some big leak. It was more about piecing together information from many different sources — legal filings, documents that providers and patients shared with me, their communications with MultiPlan and insurers. We asked federal judges to unseal a few documents that had previously been confidential, including emails between Cigna executives, paperwork describing how some of MultiPlan’s tools worked and data on thousands of medical claims.

What was the greatest challenge in your reporting?

Finding patients and providers who were willing to speak on the record about their experiences, because this is a really sensitive subject. A number of providers were concerned that if they spoke on the record, insurance companies would retaliate. For many of the patients I spoke with, it also meant putting their personal medical history out there for the public to read.

What about health care and the pharmaceutical industry drew your interest as a reporter?

For many Americans, health care is an almost universally frustrating or confusing experience. It’s one that has direct effects on people’s health, their pocketbooks or both. I really like learning about the stuff that impacts people’s health. I try to make that information accessible to millions of people who are affected by it but who might not have a lot of time to understand it.

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Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic , Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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Every year we host more and more private tours in English, Russian and other languages for travelers from all over the world. They need best service, amazing stories and deep history knowledge. If you want to become our guide, please write us.

Contact Info

+7 495 166-72-69

[email protected]

119019 Moscow, Russia, Filippovskiy per. 7, 1

Mon - Sun 10.00 - 18.00

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Healthcare in Moscow
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