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Frequently Asked Questions
(FAQs)1
Applying
Below are frequently asked questions about health benefits and insurance coverage from Aetna Life Insurance Company (Aetna*). To view an answer to a question listed below, please click the question under the desired category.
I am a current Aetna group member. Can I convert my coverage to an Aetna Advantage Plan?The Aetna Advantage plans are voluntary plans that are medically underwritten, they are not conversion plans. If you are interested in an Aetna Advantage plan, you must submit a completed application form and you will be medically underwritten, even if you are covered under an Aetna group plan. If you want a conversion plan from the group plan, such plans are not available in every state so please contact your employer for information. 
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Does Aetna request medical records?As part of the underwriting process we may require your medical records. If we do ask for your medical records, it is your responsibility to facilitate the submission of such medical records to us.
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If I want coverage to begin the first of the month, when do I need to submit my application form?We must receive your application form by the last day of the prior month; for example, if you want coverage to begin in October, we must receive your application by September 30. If you don't request a specific date for your coverage, We will assign an effective date of the 1st or the 15th of the month following the approval date of the application form.
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How long will it take to process the application form?Processing your application form may take as long as three to four weeks. Please note that your coverage does not become effective until Aetna has underwritten and approved your application form.
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Do I need to send my premium payment with the application form?Yes, you will need to send in a check to cover the first month's premium. Your check will be deposited once your application form is approved.
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Do you offer child-only policies?Yes. We offer policies for children covered as part of a family, or policies that cover the children only.
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How do I choose a primary care physician (PCP)?Please visit our website at www.aetna.com/docfind/custom/advplans.html.
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How can I check on a claim or get information about my coverage?You can check on a claim, request an ID card, change your primary care physician, and more by logging on to Aetna Navigator, your secure member website. To enroll in Aetna Navigator, please visit www.aetna.com.
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Should I cancel my existing coverage?Applicants who are currently covered by another carrier must agree to discontinue the other coverage prior to or on the effective date of the Aetna Advantage Plan. Coverage should not be discontinued until you have received approval from the Aetna Advantage Underwriting Department.
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I am applying for coverage with my spouse. Whose age should I use to check for our rate?Rates are based on the earlier birthday, so use the older spouse's birthday.
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What would cause my application to be delayed?Your application could be delayed for a number of reasons:
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Legal Notices
FAQ Topics
To purchase Aetna's Individual Insurance, call now at 1-866-582-9629. All other inquiries:1-800- My Health (1-800-694-3258)
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This managed care plan does not cover all of your health care expenses. Read your contract carefully to determine which health care services are covered. To contact the plan if you are a member call the number on your ID card. All others call 1-800-MY-Health. * In Pennsylvania the Individual HMO plan is offered by Aetna Health Inc. |
What ages are eligible to apply?