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. Standard Insurance Company

When it comes to shopping insurance providers, two popular companies to get your benefits from include Aetna and Standard Insurance Company. To be able to effectively determine which is the most appropriate for you and your family, it’s important to understand what makes each company unique. This includes looking at their experience, what types of insurance they offer and various other features that each offers.

The Experience of Aetna vs Standard Insurance Company

Aetna has been providing insurance for over 150 years. They were founded in 1853 and have become a leading provider in insurance and employee benefits over the years. They focus on a number of innovative products and services and believe it’s important to:

  • Offer a broad range of insurance products
  • Lead the way in health care products
  • Help control rising employee benefit costs
  • Provide members with convenient tools

Standard Insurance Company is part of the StanCorp Financial Group and has been in business for over 100 years. They have over 7.5 million customers across the country and have a number of insurance products as well as investment products, including annuities. Their goals are to:

  • Help people achieve financial security
  • Provide members with flexibility
  • Reduce out of pocket expenses

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Financial Stability of Aetna & Standard

With both companies offering over 100 years of experience in the insurance industry, they prove to be solid companies that aren’t going anywhere. Their financial ratings are also very high, which is important to consider when shopping around for an insurance company. AM Best and Standard & Poor give both companies the highest rating in financial strength. This is a demonstration of how well structured both companies are and can provide you with the peace of mind that either company will be in business for a number of years into the future.

Insurance Types Offered by Aetna and Standard Insurance Company

Many insurance companies offer premium reductions based on how many types of insurance you purchase from them. Therefore it’s important to find out what each company offers to get as many of your needs met from a single company.

Aetna’s insurance offerings include:

Standard Insurance Company’s offerings include:

  • Life
  • Accidental Death & Dismemberment
  • Disability
  • Dental
  • Vision

When you look at the two companies, both offer life insurance, disability insurance, dental insurance and vision insurance. While Aetna also offers medical, Medicare and pharmacy insurance, Standard Insurance Company offers accidental death & dismemberment.

The Life Insurance offered by both companies is a term life policy with various benefits. Most involve going through a group policy, though there are options available for you to convert it into a private policy if you leave the company where you have your group policy.

In terms of dental and vision, the policies are roughly the same as well. The number of doctors that accept this form of insurance will vary based upon geography. Therefore it’s important to do a little homework and call around to dentists and optometrists that you currently see to find out if they accept the particular company for insurance claims.

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Other Comparisons Between Aetna and Standard Insurance Company

There are various other things to consider when looking at Aetna versus Standard Insurance Company. This includes such things as:

  • Ease of access
  • Geography
  • Customer service
  • Group plans vs individual plans

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Ease of Access

The ease of access is important to determine who the physicians are in your area that you can see based on the type of insurance you have. Some companies have catalogs to go through while others provide internet access. Both Aetna and Standard Insurance Company provide members with a log-on to go online to find a doctor and get information about their account, including the ability to file a claim.

Geography

Geography is also important. Not all insurance companies are national. Some are regional, some are state-wide. Aetna is found all across the country, as is Standard Insurance Company. This provides you the flexibility to move anywhere in the country and take your insurance with you.

Customer Service

Customer service enables you to contact a representative if you have a question about a benefit, a claim or even a question about a bill. Being able to contact customer service at your convenience is critical when deciding which insurance company to go with. Both offer customer service support in the form of email as well as a toll free number.

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Group Plans vs Individual Plans

Finally, there’s the ability to go through a group plan or an individual plan. If you are a business looking to offer insurance to your employees, you need the ability to get a group plan. If you are an individual looking for private insurance because you are self-employed or because your employer doesn’t offer group insurance, then you need an individual plan. Both companies have a wider offering of plans for group plans, however they do both offer individual plans as well.

It’s best to contact both companies directly for a specific list of what you can get based on your individual situation.

Effectively Compare the Two Companies

It’s all about being able to decide between Aetna and Standard Insurance Company. Which one do you choose? Which one is right for you?

If both companies have the type of insurance you need, you must be able to accurately compare the two in order to decide which company is the best for you and your family. Contact each company to get a rate quote on all forms of insurance that you need. Pay attention to the cost of the premiums as well as copayments, if applicable. This would be the case with medical, vision and dental insurance.

In addition to cost, you should look at the other features to see which has the most important aspects to you. This could include the ability to pay online, file a claim on the company website or have 24/7 customer support. If you are looking at insurance for a business, it may also include a local office that will send a representative down to your facilities to answer questions during open enrollment.

Final Comparisons

Comparing Aetna and Standard Insurance Company often comes down to these criteria:

  • Types of insurance offered
  • Geography
  • Premium cost
  • Additional benefits offered

Once you have looked at what each of these companies offer in terms of these 4 categories, you are ready to decide which company has the needs that are best suited for you and your insurance requirements. Both are available to answer your questions to help you decide without any questions left unanswered.