How To Pay Your Aetna Bill: A Simple Guide

Paying your health insurance bill on time every month is important to keep your coverage active. If you have an Aetna health plan, you have several convenient options to pay your monthly premium bill.

This guide will tell you everything you need to know to pay your Aetna bill on time every time. Plus, we’ll give you tips on how to pay the right amount and stay away from late fees.

Overview of Paying Your Aetna Bill

Aetna offers individual, family Medicare and group health insurance plans. Most members pay a monthly premium to maintain coverage. This regular payment is called your premium bill or just your “bill.”

It covers the cost of your plan’s benefits for the upcoming month. If you pay this bill by the due date, your plan will stay active, letting you use cover when you need it.

You could lose your benefits for that month if you don’t pay your bill on time. You might even lose your plan if you don’t make a payment for too long.

To avoid issues be sure to pay your entire bill each month by the due date listed on your statement. Even being one day late can threaten your coverage. So it’s crucial to pay on time every month.

Below we’ll explain how to understand your bill and walk through the simple ways to pay it.

Review Your Monthly Bill

Your Aetna premium bill will arrive by mail at the start of every month. It may also be available to view and download on the online member website.

Carefully review your bill to check that the amount looks accurate and matches what you expected to pay based on your plan details.

Key things to look for on your Aetna bill:

  • Premium amount – This is the base dollar amount you pay monthly to maintain your coverage. Make sure it matches your plan.

  • Discounts – If you get an advance premium tax credit (APTC) for an ACA plan or have other discounts, check that these are correctly applied.

  • Total amount due – This is the final amount you must pay for that month’s coverage. It factors in your premium and any discounts.

  • Due date – This is the last day you can pay to keep your plan active for the next month. Mark your calendar so you remember.

  • Billing period – Shows what month your payment is for. This should be the upcoming month.

  • Invoice number – You’ll need this to make a payment if not paying online.

If your bill seems incorrect or doesn’t match your plan, contact Aetna Member Services right away to sort it out. It’s much easier to fix issues before the due date.

Ways To Pay Your Aetna Bill

Aetna offers several payment options to fit your needs. Consider setting up automatic payments to ensure your bill always gets paid on time.

Here are the main ways to pay your Aetna premium bill:

Pay Online

The fastest way to pay is online through your Aetna member website account. You can make one-time payments or set up automatic recurring payments each month.

To pay online:

  • Go to your Aetna member website and log into your account.
  • Under Billing & Payments, select Pay Bill.
  • Choose Make a Payment for a one-time payment. Or choose Auto Bill Pay to schedule automated monthly payments.
  • Enter your payment details and submit.

You can use a checking account, credit card or debit card when paying online. You’ll get an email confirmation with your payment details and tracking number.

Pay by Phone

Call the Member Services number on your Aetna ID card to make a payment over the phone. You’ll need to have your credit or debit card handy.

To pay by phone:

  • Locate the Member Services phone number on your Aetna ID card.
  • Call the number and select the billing and payment prompt.
  • When prompted, enter your payment information from your billing statement.
  • Provide your credit or debit card details to the representative.
  • You’ll be given a confirmation number at the end.

Calling in your payment takes just a few minutes once you reach the automated system or billing representative.

Pay by Mail

Mail your payment to the address listed on your bill. Be sure to include your invoice remittance coupon.

To pay by mail:

  • Detach the payment coupon from your bill.
  • Write in the payment amount on the coupon.
  • Include a check or money order made payable to Aetna. Don’t send cash.
  • Put the payment coupon and check in the return envelope.
  • Mail it so it arrives by the due date.

Note that mailing a payment takes longer to process so send it in well before the due date.

Pay in Person

Some Aetna health plans allow you to pay your bill in person at CVS Pharmacy. Bring your printed bill and invoice number.

To pay in person:

  • Locate a CVS Pharmacy near you that accepts bill payments.
  • Bring your Aetna bill with the payment coupon and invoice number.
  • Pay at the register with cash, check or your debit/credit card.
  • Get a receipt showing your payment details.

Paying in person works if you prefer to pay with cash or need to pay at the last minute. But make sure the CVS location accepts Aetna payments before going.


One of the best ways to pay your bill on time is to enroll in auto-pay. This automatically deducts your monthly premium from your bank account or credit card.

To set up auto-pay:

  • Log into your Aetna member account and go to Billing & Payments.
  • Choose Auto Bill Pay.
  • Select if you want payments drawn from your bank account or credit/debit card.
  • Provide the account details.
  • Pick the date you want payments deducted each month.

Once enrolled, you don’t have to do anything going forward. Your payments will be made automatically each month by the due date.

Payroll Deduction

If you have coverage through your job, you may be able to pay your premium by payroll deduction. This automatically takes your bill amount out of each paycheck.

Check with your employer’s HR department to see if they offer payroll deduction for health insurance. You’ll need to enroll through them.

Payroll deduction prevents you from having to manually pay the bill every month. The money comes straight from your paycheck.

Tips for Paying Your Bill Correctly

To avoid issues with your coverage, it’s important to pay your Aetna premium bill fully and on time. Use these tips to pay properly:

  • Pay the total amount due as listed on your statement. Partial payments can result in your coverage lapsing.

  • Pay by the exact due date shown on your bill to avoid late fees and possible termination of your benefits.

  • If the due date falls on a holiday or weekend, pay before that date.

  • Use the correct invoice number from your statement when making a payment.

  • If paying by mail, allow 7-10 days for your payment to reach Aetna and post to your account.

  • If you pay online, print or save the payment confirmation as proof the bill was paid.

  • Contact Aetna immediately if your financial situation changes and you can’t afford your monthly premium.

Paying attention to bill details, paying the full amount, and paying by the due date will keep your plan active and coverage seamless.

What Happens If You Miss a Payment?

It’s essential to know consequences for not paying your Aetna bill by the due date:

  • Your benefits may be suspended for that month until payment is made. You won’t have coverage during that time.

  • If your payment is very late, your plan could be retroactively terminated going back to the last paid month.

  • You may have to reapply and re-enroll to get coverage again, or wait until Open Enrollment assuming you still qualify.

  • Your providers may bill you directly for care during any gap you were uninsured.

  • You could be sent to collections if you owe Aetna for premiums when your coverage was active.

To restore canceled coverage due to nonpayment, you’ll likely have to pay off the past due amounts. Prevent problems by paying on time, every month without fail.

Get Support Paying Your Bill

If you’re having trouble paying your monthly Aetna bill on time, contact them right away for help.

You may be able to:

  • Switch to a lower-cost plan with more affordable premiums

  • Apply for subsidies that lower your monthly payments

  • Set up a payment plan for overdue bills

  • Use certain programs if you lost your job and income

Don’t wait until you’ve missed payments and lost coverage. Reach out early to discuss bill payment options. It’s much easier to handle issues before your benefits are disrupted.

Pay On Time To Keep Your Coverage

Paying your health insurance bill completely

How To Pay Aetna Bill

You are now leaving the Aetna® website

Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.

Paying your bill is your #1 thing to do to keep your plan going

Paying your bill keeps your plan active, so you can stay covered. That means you’ll enjoy the same benefits you have today, including virtual care, a trusted network of doctors, and more.

What happens if I miss a payment?

Unfortunately, missing a payment could end your plan. That means you’d have to wait until Open Enrollment to get a new plan. (Unless you have a big life change that qualifies you for a Special Enrollment Period.)

How to Submit a Claim for Reimbursement from Aetna Student Health


Can I pay an Aetna bill with a credit card?

For EFT payments, you can use your personal checking account. For credit/debit card payments, you can elect either MasterCardTM or VisaTM. Note: For EFT payments, if your payment date falls on a holiday or weekend, the payment will be processed on the first business day after your payment date.

How do I know if I owe Aetna money?

This statement is called your EOB. It shows how much you may owe, the amount that was billed, and your member rate. It also shows the amount you saved and what your plan paid. Look at this statement carefully and make sure it is correct.

Is Aetna CVS Health the same as Aetna?

Refer to​ for more information about Aetna® plans. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies. Each insurer has sole financial responsibility for its own products.

Leave a Comment