Aetna Health Insurance in Illinois
Aetna, a CVS Health company, is one of the largest health insurers in the country and remains an active carrier in Illinois for employer group coverage and Medicare. Illinois Health Agents is an independent, Illinois-licensed agency - we quote Aetna alongside every other carrier in the state so you can see how it actually compares before you enroll.
Aetna Group Health Insurance in Illinois
Aetna is one of the three largest group medical carriers writing business in Illinois, and its integration with CVS Health gives members MinuteClinic access, CVS Caremark pharmacy benefit management, and CVS Specialty for high-cost medications. For Illinois employers with meaningful specialty drug spend, that pharmacy integration is often the deciding factor.
| Aetna Product | Funding / Type | Best Fit for Illinois Employers |
|---|---|---|
| Aetna HMO | Fully insured HMO | Cost-focused groups inside Aetna HMO service areas |
| Aetna Open Choice PPO | Fully insured PPO | Groups needing in- and out-of-network flexibility |
| Aetna HDHP / HSA | High deductible | Lower premium with an HSA savings vehicle |
| Aetna Whole Health | ACO / narrow network | Employers wanting coordinated care and lower trend |
| Aetna Funding Advantage (AFA) | Level funded | Groups roughly 10-200 lives wanting surplus refund potential |
Full Aetna group breakdown
Plan types, AFA level funding, Whole Health ACO, behavioral health and EAP details.
Aetna group plans in Illinois ›Compare funding models
Fully insured, level funded, self-funded and ICHRA compared side by side.
Illinois group insurance guide ›Level funded explained
How Aetna Funding Advantage and similar products return unused claims dollars.
Level funded guide ›Get a group quote
We quote Aetna against 10+ Illinois carriers at no cost to your business.
Request a group quote ›Aetna Medicare Plans in Illinois
Aetna remains one of the more competitive Medicare carriers in Illinois across all three product lines. Availability and benefits vary by county, so a Cook County shopper and a downstate shopper can see very different plan menus under the same carrier name.
Medicare Advantage (Part C)
Aetna offers HMO and PPO Medicare Advantage plans in many Illinois counties, frequently including $0-premium options with built-in dental, vision, hearing, over-the-counter allowances and CVS pharmacy integration. Aetna trimmed its Medicare Advantage footprint in some markets for 2026, so confirming that your county and your doctors are still in-network is the first step, not the last.
Medicare Supplement (Medigap)
Aetna writes Medicare Supplement coverage in Illinois through its Aetna Health and Life and Continental Life companies. Medigap is federally standardized into 10 lettered plans, Plan A through Plan N, so an Aetna Plan G pays exactly what any other carrier's Plan G pays - the differences are price, rate stability and household discounts. Plan F is only available if you were eligible for Medicare before January 1, 2020.
Illinois advantage: Illinois has an annual Medigap open enrollment window for beneficiaries age 65 to 75. It runs for 45 days starting on your birthday and lets you move to a plan of equal or lesser benefits with your current insurer or an affiliate without medical underwriting. If you are in that age band, it is worth a yearly rate check.
Part D Prescription Drug Plans
Aetna offers standalone Part D coverage through SilverScript, which pairs naturally with a Medicare Supplement plan and uses the CVS Caremark pharmacy network.
Run your own Aetna Medicare quote
Compare Aetna Medicare Advantage, Supplement and Part D options for your ZIP code.
Aetna Medicare quote tool ›Medicare Supplement rates
Compare Aetna Medigap pricing against BCBSIL, Mutual of Omaha and others.
Illinois Medigap quotes ›Medicare basics
How Parts A, B, C and D fit together and when you can enroll or switch.
Illinois Medicare overview ›Estimate your total cost
Model premiums, deductibles and out-of-pocket exposure before you choose.
Medicare plan cost estimator ›Why Illinois Clients Choose Aetna
- CVS Health integration - MinuteClinic visits, CVS Caremark pharmacy management and CVS Specialty under one roof.
- Broad Illinois provider access - competitive HMO, PPO and ACO network options across the Chicago metro and downstate.
- Level funded strength - Aetna Funding Advantage is one of the most quoted level funded products for Illinois groups of 10-200.
- Medicare depth - Advantage, Supplement and Part D from a single carrier, which simplifies service and billing.
- Financial stability - backed by CVS Health, one of the largest healthcare companies in the United States.
Aetna Illinois FAQs
Can I still buy an Aetna individual health plan in Illinois?
No. Aetna left the ACA individual marketplace effective January 1, 2026. Individual and family shoppers should compare the remaining Illinois carriers on our carrier page. Group and Medicare coverage is unaffected.
Is Aetna Medicare still available in Illinois?
Yes. Aetna continues to offer Medicare Advantage, Medicare Supplement and Part D coverage in Illinois, though Medicare Advantage availability varies by county. Run your ZIP code through the Aetna Medicare quote tool or call 312.800.0751.
What size group qualifies for Aetna Funding Advantage?
AFA is generally written for groups of roughly 10 to 200 enrolled employees, though minimums move with the market. We can confirm current underwriting thresholds when we quote your census.
Does using an agent cost more?
No. Premiums are filed with the Illinois Department of Insurance and are identical whether you enroll direct or through us. Carriers pay our commission, so our help is free to you.
Can I switch Aetna Medigap plans without underwriting?
If you are age 65 to 75 in Illinois, yes, within a 45-day window that starts on your birthday, moving to a plan of equal or lesser benefits with your current insurer or an affiliate. Outside that window and outside guaranteed-issue situations, underwriting usually applies.
Talk to a Licensed Illinois Agent
No cost, no pressure, and we quote every Illinois carrier - not just Aetna.
Illinois Health Agents is an independent insurance agency licensed in Illinois. We are not connected with or endorsed by the United States government or the federal Medicare program. Plan availability, benefits and premiums vary by county and are subject to change. Aetna is a CVS Health company.
Free Illinois insurance tools
Weighing an Aetna plan in Illinois? Run the numbers first.