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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Aetna vs Combined Insurance

Aetna and Combined Insurance Company of America are two very different insurance providers. Aetna offers a greater range of types of coverage, and a greater variety of plans within each type, but Aetna’s policies are only available through participating employers.

Combined Insurance Company of America offer supplemental insurance policies for purchase by individuals. Supplemental insurance is intended to supplement a primary plan and is not a substitute for primary health or life insurance coverage. The policies offered by Combined Insurance could be purchased as additional protection in combination with the sort of primary plans offered by Aetna.

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Health Insurance

Both companies offer health insurance but Aetna offers major medical coverage while Combined Insurance only offers supplemental medical insurance. You can only get Aetna’s health insurance through a participating employer, so ask your benefits manager to see if you are eligible. Aetna has lot of different plans for eligible individuals and families. Some of the advantages of Aetna’s health insurance are:

  • Choices to fit every budget. You can choose from plans with a higher or lower deductible and higher or lower monthly premiums.
  • Offers primary health insurance as well as pharmacy and behavioral health benefits.
  • Offers a Voluntary Fixed Benefits Plan that provides coverage for “minor illnesses and injuries.”
  • Offers a Hospital Plan that helps to cover out-of-pocket expenses in case of short- or long-term hospitalization. This can be purchased in addition to a primary medical plan that covers the cost of the medical treatment.
  • Offers a Group Critical Illness Plan that pays out a lump-sum directly to the policyholder in the event of a covered major illness.

Combined Insurance Company of America offers a supplemental health insurance plan to help protect against the costs of unexpected serious illness. A supplemental health plan cannot be used as a substitute for primary health insurance. Options provided by Combined Insurance include:

  • “Critical Care Insurance” that provides coverage in case of serious medical conditions including heart attack and stroke.
  • “Cancer Care Protector” that provides coverage for treatment, drugs, and other procedures and costs associated with a cancer diagnosis.

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Life Insurance

Both companies also offer life insurance. Aetna provides full-coverage plans, available through employers only, including: Basic Term Life, Supplemental Life, Accidental Death and Personal Loss (AD&PL), Dependent Life and Dependent AD&PL coverage.

Combined Insurance Company of America offers supplemental life insurance that can be purchased on an individual basis. This can be used to supplement a primary plan (like that provided by Aetna). In the event of the death of a covered loved one, Combined Insurance’s plan covers final expenses, housing expenses, and replacement income.

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Disability Insurance

Both companies offer disability insurance. Aetna sells both long-term and short-term disability coverage through employers only:

  • Short-term coverage pays benefits weekly
  • Long-term coverage pays benefits monthly
  • Both long- and short-term benefits will only cover part of your previous income and are subject to an “elimination period” (you have to be injured or disabled for a specified period of time before the insurance will pay out).

Combined Insurance Company of America sells short-term disability coverage only:

  • Benefits are paid directly to the policy holder for up to two years in the event that you cannot work because ofpermanent disability, accident, or sickness.
  • Benefits are paid in conjunction with, or in place of, Social Security and Workers’ Compensation.

Accident Insurance

Auto Accident

Both companies also have accident coverage plans. In case of a covered accident benefits are paid out directly to the policyholder, and can be used towards expenses – such as daycare – that are not covered by a health or disability plan.

As with the other types of insurance, Aetna’s plan gives a group-rate for individuals through participating employers, while Combined Insurance Company of America’s plan is available for individual purchase. Under Combined Insurance’s supplemental accident/sickness policy there is no waiting period – coverage begins immediately – and there is no penalty for age or previous claims.

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Additional Benefits

Combined Insurance Company of America has a Medicare Supplement policy that helps to cover costs not covered by Medicare. Under this plan:

  • There is no waiting period and pre-existing conditions are covered.
  • You can choose your own healthcare providers.
  • You have a choice of options for how to tailor the plan to fit your needs.

Aetna also sells dental and vision coverage plans through participating employers (something that Combined Insurance does not offer).

  • The dental plan has a $50 deductible, after which it covers up to $500 in treatments per plan year.
  • The vision plan covers up to $100 per family member, per plan year, to help towards routine eye exams, eyeglasses, and contact lenses. It also provides a discount on services such as LASIK.

Aetna members can also take join the Vital Savings (R) plan that provides discounts on a variety of health and dental products and services.

Final Thoughts

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Overall, Aetna offers a much more comprehensive range of medical insurance than does Combined Insurance Company of America. Aetna also offers comprehensive life insurance, as well as short- and long-term disability insurance, and accident, dental, and vision insurance.

Combined Insurance Company of America provides supplemental health insurance, as well as supplemental life, disability, and accident insurance, and a Medicare supplement. Combined Insurance only provides supplemental insurance that must be purchased alongside a more comprehensive plan; it does not offer dental or vision insurance.

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