Aetna CVS Health HMO Silver

Aetna CVS Health HMO Silver is a health insurance plan from CVS Health / Aetna, available to residents of United States. Sum insured ranges from $9.4K, eligible ages 0 to 64, and the policy is annual. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at $320, against a category median of $340 across the 13 comparable health plans we track in this country. That places Aetna CVS Health HMO Silver in the middle of the pack on price, and the bottom quintile on coverage ceiling (maximum sum insured $9.4K versus a peer median of $9.4K). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by CVS Health / Aetna include Integrated CVS pharmacy, MinuteClinic visits covered, and Telehealth 24/7. On the rider side, Aetna CVS Health HMO Silver can be extended with Dental (CVS network) and Vision — each adding to the base premium but also widening what the policy will pay out for.

Where Aetna CVS Health HMO Silver explicitly will not pay: Out-of-network (except emergency) and Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.

Skip if: you need coverage above the plan's maximum sum insured. As with any insurance decision, get a quote from CVS Health / Aetna directly to confirm the rate that actually applies to your profile — listed prices are illustrative.