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. Symetra Life Insurance Company

Aetna and the Symetra Life Insurance Company are both publicly-traded insurance providers licensed to create insurance policies in many states across the country. Determining which company to purchase insurance products from can come down to decisions about coverage, premiums and the insurance laws in given states. Consumers looking to purchase multiple types of insurance — including health, life and disability coverage — may not be able to purchase all products from a single provider.

Shopping for insurance can be tricky. Skip the confusion and enter your ZIP code into our FREE quote comparison tool to start saving now!

Aetna Individual Coverage Plans

At publication, Aetna offers insurance products for individuals and businesses. Insurance rates and coverage options are subject to regulations at both the federal and state levels.As a result, Aetna does not write insurance policies in all 50 states. At publication, the company offers 11 different coverage options for individuals living in eligible states.

  • Medical Insurance – Aetna medical insurance for individuals provides coverage for visits to the doctor’s office, perscription drugs, diagnostic testing, hospital stays and emergency care. Premiums vary by deductible options and total plan features. Usually, a policyholder pays a higher monthly premium for lower deductibles for covered procedures.
  • Dental Insurance – Several types of dental insurance are available for individuals through Aetna. Dental Maintenance Organizations or DMOs offer low-cost dental coverage that allows policyholders to see primary dentists for covered procedures. Referrals from primary care dentists are necessary to receive coverage for specialized care. Preferred Provider Organizations or PPOs allow policyholders to see any dentists within participating networks. Dental Indemnity Plans allow policyholders to choose dentists regardless of networks.
  • Vision Care – Vision coverage through Aetna isn’t insurance, but a means to save money on eye care necessities and procedures. Policyholders are still responsible for making payments to primary care providers. Discounted procedures and products include contact lenses, eye exams, LASIK surgery and eye glasses.
  • Medicare Provider – Aetna is a licensed Medicare coverage provider. Eligible consumers can obtain supplemental Medicare insurance plans to provide additional coverage for existing primary Medicare insurance. Additional coverage can pay for medical services not covered fully by Medicare.
  • Disability Insurance – Disability coverage for individuals pays policyholders based on annual salary in the event of eligible injuries/illnesses. Payments through Social Security Disability can offset payouts from disability insurance.
  • Pharmacy Coverage – pharmacy insurance with Aetna is a savings plan similar to the company’s vision care option. Individuals can either choose an option to save more on generic perscription drugs to choose a mail-order pharmacy as a means of receiving cheaper medication.
  • Life Insurance Options – At publication, consumers can purchase five different types of life insurance from Aetna: Basic Term Life, Supplemental Term Life, Accidental Death and Personal Loss (AD & PL), Dependent Life and Dependent AD & PL. Consumers can only purchase supplemental life insurance as part of an existing basic term life plan.
  • Student Health – Student insurance coverage provides health insurance for eligible students attending higher education institutions in the United States. Cover includes access to network doctors, specialists and discounts on teeth cleanings and contact lenses. Student health plans through Aetna are only available at participating colleges and universities.
  • Behavioral Health – This coverage provides benefits to policyholders who are seeking treatment for eligible mental health disorders. At publication, behavioral health insurance is only available through employer provided health plans.
  • Health Expense Funds – A program participant diverts pre-tax money from paychecks into an interest-bearing health savings account managed by Aetna. The account holder can use this money to pay for medical expenses not covered by an existing insurance policy. Participant retains ownership of the account even if employment status changes.

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Aetna Employer Insurance Options

At publication, Aetna offers insurance options for employer to cover employees based on total workforce population: small business accounts of two to 50 employees, middle market accounts of 50 to 3,000 employees and national accounts for companies with workforces in excess of 3,000 employees. All coverage options for individual plans are available for group plans.

  • Employer group plans offer lower monthly premiums than individual health insurance packages.
  • Aetna or other insurance companies can’t deny coverage to eligible employees because of preexisting medical conditions.

Symetra Life Insurance Company

The Symetra Life Insurance Company offers various annuities, life insurance packages and retirement plans for businesses and individuals. At publication, the company doesn’t offer health insurance options in the same manner as Aetna.

Symetra Annuity Options

  • Fixed Deferred Annuities – An annuity of this type provides a consumer with the means to build tax-deferred retirement income with low risk. A consumer funds the annuity with pre-tax payroll dollars and pays taxes on the money when the fund begins making cash distributions.
  • Fixed Indexed Annuities – Consumers with fixed indexed annuities take a very conservative approach to retirement investment. Stock market indexes — including the Standard and Poor’s 500 — control the interest rate tied to these accounts. Consumers enjoy protected principle balances with guaranteed growth rates.
  • Variable Deferred Annuities – The performance of the market determines the growth of variable deferred annuities. Policyholders take greater risks with these retirement investments in the hopes of securing larger cash returns.
  • Income Annuities – Consumers nearing retirement can take advantage of income annuities to turn existing savings into lasting retirement income. Market performance doesn’t dictate the growth of income annuities. Policyholders can choose to receive a lump sum or regular payments throughout the life of the investments.

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Life Insurance

  • Term Life Insurance – Term life insurance is a type of life insurance provides protection for a specific period of time — usually 10 to 30 years. In the event of the policyholder’s death, the life insurance pays a lump sum to the beneficiaries.
  • Permanent Life Insurance – As the name indicates, permanent life insurance doesn’t expire after a specific period of time. At publication, Symentra offers three varieties of permanent life insurance: single premium, universal life and classic universal life. Single premium life insurance provides a tax-free award to beneficiaries. Universal life insurance provides a similar benefit, but at a fixed premium cost to the policyholder. Classic universal life insurance is an interest-bearing account that can provide additional cash for a policyholder’s survivors.

A consumer looking to purchase both life and health insurance wouldn’t be able to find satisfaction from just the Symetra Life Insurance Company. Aetna can provide both services, provided that the laws in the consumer’s given state allow Aetna to create policies. If the laws in a consumer’s state are restrictive, purchasing policies from multiple insurance companies is necessary.

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