Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Aetna vs. American Family Insurance Company

AETNA and American Family Life Insurance Companies are major insurance providers in the US. Both offer a wide range of products and services for individuals, families and businesses, such as different forms of health and property insurance.

Both companies offer plans that the other does not. The following are the usual policies offered by these companies, and a comparison of the plans that these two agencies offer.

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Medical Insurance

Aetna clients are offered personal and quick support, as AETNA provides them an easy access to doctors in different fields, medical specialists and experts. These plans are all tailored to suit every stage of life, including end of life care.

American Family Insurance medical insurance programs are offered through its Health Insurance Services division. American Family Insurance offers medicare supplement plans to help members cover expenses that basic Medicare cannot provide.

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Dental

Aetna includes dental insurance with low cost insurance plans, such as the Dental Maintenance Organization. Members can select their own primary care dentist. For special dental needs, the primary dentist can provide referrals. For DMO plan holders where orthodontia is covered, no referral is needed.

There are also no deductibles and no annual maximums. Preferred Provider Organization and Participating Dental Network affiliated dentists cost less, though annual maximums and deductibles are applied. The same is true with the Dental Indemnity Plan. AETNA also offers Vital Savings, a dental discount program on general dentistry.

American Family Insurance offers individual and company insurance plans that cover everything from the simplest dental needs to root canals and other serious dental problems. The company also provides reduced cost plans, and the chance to gain access to great dentists. Claims are processed quickly, and all members are provided with tips and tools for free.

Vision

AETNA members can save money on vision care, including eye exams, lenses, glasses and LASIK. Professionals affiliated are Pearle Vision, JCPenney Optical, LensCrafters, Sears Optical and Target Optical.

American Family Insurance does not offer specific plans for vision coverage. However, vision coverage is included in its Health Insurance Services plan.

Life Insurance

Aetna offers Basic Term Life, Supplemental Life Insurance, Accidental Death and Personal Loss Coverage, Dependent Life Insurance and Dependent AD and PL. All of these are available to all members.

These plans are also offered with Accelerated Death Benefits for terminally ill members. Members can also opt for conversion for retirees and those who no longer belong to the eligible class. Premium Waiver offers continuation of life insurance coverage even without premium payments for those suffering from a disability before a pre-determined age.

American Family Insurance offers Term Life Insurance, which includes temporary protection with no cash value. Its Whole Life Insurance guarantees no increase in premiums and lifetime protection with cash value. Universal Life Insurance, on the other hand, is offered with flexible premiums. It can be applied for from birth until a person is 80 years of age.

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Health Expense Funds

AETNA offers a Health Savings Account that allows members to earn tax free interest. Policy holders own this account even after changing employers. The Program for Health Reimbursement Arrangement is also available. Employers contribute to this program, and remaining money is carried over every year. In addition, the company offers Flexible Spending Accounts intended for individual and dependent health care expenses. However, unused money is forfeited at the end of the plan year.

American Family does not offer such products and services. However, its employees are given benefits like the FSA.

Behavioral, Mental Health and Disability Coverage

AETNA Behavioral and Mental Health Coverage includes behavioral health evaluation assessments, behavioral health treatment and case and disease management. Meanwhile, disability coverage is offered with both short and long-term plans. Coverage amounts are based on yearly income, incentives and other receivables from the employer.

American Family Insurance offers disability coverage, but not for mental and behavioral health. Depending on location, American Family Insurance provides support for total disability and accidental death and dismemberment. However, this may only be applicable in some states.

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Student Health Insurance

Aetna gives college students access to a network of physicians and medical facilities. They also get the chance to enjoy discounts on fitness and dental services.

American Family Insurance has no insurance plans for students, but it does have programs for students who own cars.

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Auto and Home Insurance

AETNA’s Auto Insurance plans cover cars and trucks, motor homes, motorcycles, snowmobiles, boats and ATVs. Plans are offered with Multiple Vehicle Discounts, Air Bag Discounts, Good Student Discounts, Good Driver Discounts and Accident Free Discounts.

Home Insurance offered by American Family Insurance allows clients to enroll in homeowner’s insurance, mobile or manufactured homeowner’s insurance, renter’s insurance, and condominium owner’s insurance. Clients may qualify for discounts such as New Home Discounts, Home Purchase Discounts, Home Security and Fire Discounts, Customer Longevity Discounts, Home and Auto Discounts, and Umbrella Discounts.

Umbrella Insurance

American Family Insurance umbrella insurance adds more liability protection to basic coverage. It is offered to individual, commercial, ranch and farm members.

This is similar to the medical plans provided by AETNA, where members are assisted with their out of the pocket expenses for medical needs. However, AETNA does not offer liability protection.

Business Insurance

AETNA does not provide business insurance plans.

American Family Insurance business insurance policies cover beauty and barbershop insurance, condominium association and rental insurance, commercial real estate insurance, janitorial services insurance, auto repair and service insurance, professional office insurance, restaurant insurance and religious institution insurance.

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Other Products

AETNA recently added voluntary plans for individuals and families that are offered through payroll deductions. It also offers International Plans to extend insurance coverage to employees working abroad.

American Family Insurance special products are offered in the form of global medical insurance and trip cancellation coverage. The Mexico Auto Insurance plan has also been made available for those who drive in Mexico.

Discounts

Aetna offers discounts in the form of the Aetna Book SM Discount Program, the Aetna FitnessSM Discount Program, the Aetna Natural Products and Services SM Discount Program, the Aetna Weight Management SM Discount Program and Vital Savings. These are provided for eligible policy holders.

American Family Insurance discounts are offered in various forms for home and auto policies. These discounts vary depending on the choice of insurance preferred by the client. They can get reduced cost premiums and enjoy lower monthly payments with selected policy combos.

Which Insurance Company is Better?

Both AETNA and American Family Insurance have been providing insurance for a long time. While businesses are much better off with American Family Insurance, students may be better served by AETNA. Each of these companies may have strong points that appeal to certain consumers. However, quality insurance policies can easily be obtained from both companies.

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