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Aetna Medicare Supplement Plans

Aetna Medicare Supplement Logo

 

While shopping for Medicare supplemental insurance products, you have probably run across Aetna Medicare Supplement plans. Aetna is a well-known company that has worked in healthcare longer than most insurance companies.

 An Aetna Medicare Supplement is a stellar choice in today’s increasingly complicated Medicare Supplement market. The company makes it easy for you to pick the right plan for your needs.

Because we want you to understand a company you are considering, we will go through the pros and cons of the company along with our own recommendation. We want you to make an informed decision about you own healthcare.

 

 

Medicare Supplement Plans Offered by Aetna

The company offers Plans F, G and N in most states. These plans are federally standardized, which means all carriers must offer the same benefits. This makes shopping around extremely important. Like most health carriers, Aetna also offers Aetna Medicare Advantage plans. 

 

Aetna Medicare Supplement Plan F

It can be unnerving when Medicare doesn’t cover one of your healthcare costs. How will you get the money to pay the portion that Medicare doesn’t cover such as hospital deductibles, nursing costs, and co-pays for primary provider visits and other specialists? 

That’s what makes Medicare Supplement Plan F the Cadillac of Medicare supplement programs out there.

And don’t worry. You can see any doctor or hospital who sees Medicare patients. With 100 percent coverage, you’ll enjoy peace of mind by seeing the providers you’re comfortable with.

Medigap plan F has the highest premium, but covers everything Medicare doesn’t. Rate increases are also higher on average with Medigap Plan F. Please contact us to find out more about rates in your area.

Medicare Plan F is being discontinued in 2020. If you are a current subscriber to Plan F, you will be grandfathered into the plan each year. It’s your choice whether to leave Plan F and opt for something different. Although it’s a good plan, many decide to to go with Plan G. Let us help you analyze your current needs to determine if choosing Plan F makes sense for 2020 and beyond.

Aetna Medicare Supplement Plan G

The most popular choice for Aetna Medicare supplement insurance plans is Aetna Plan G.

It has an annual deductible of $198 per year paid to the primary care provider. Co-pays are no problem! When you visit a doctor or specialist with Plan G Medigap, you can skip the co-pays.

Plan G is comparable to Medigap Plan F. The difference is that Plan B is not in the coverage. For 2020, the deductible is $198, but with Plan G Medigap, if you go to a doctor or hospital that accepts Medicare, the $198 annual deductible is your only out-of-pocket expense.

Plan G offers:

  • Complete and fully paid hospital coverage
  • Fully paid skilled nursing visits
  • Doctors’ visits are covered at 100 percent after the $198 annual deductible
  • Any excess charges related to Part B Medicare are covered at 100 percent
  • Copays and coinsurance costs are waived
  • Foreign emergency travel 
  • Ability to see your doctor of choice, provided they are a Medicare provider

Even if you are leaning toward Plan F because of the deductible, it is worth quoting Plan G. You may save enough money to negate the extra out of pocket deductible. If this is true for you, Plan G may be the most cost-effective option.

Aetna Medicare Supplement Plan N

Another choice for Medigap insurance is Medicare Supplement Plan N. One of the main differences between Plan G and Plan N is that there is a co-pay to see the doctor or healthcare provider with Plan N. The co-pay ranges between nothing and an affordable $20. Part B deductibles are also not part of the coverage, like with the Plan B Medigap policy.

Conversely, the most you’ll dish out at the doctor’s office is a $20 copay with Plan N. This includes any specialist’s office that you may need to frequent. A $50 copay at the Emergency Room will be waived upon admission to the facility.

Part B excess Medicare charges are not covered under Medigap Plan N. That means a provider can charge a patient 15% more than the Medicare-approved negotiated price of services.

Aetna Medicare Supplement Plans Comparison Chart:

Sometimes it is easier to visualize the differences in the Plans to make an informed decision. This chart will help you see clearly the differences between the plans.

Medigap BenefitsPlan FPlan GPlan N
Medicare Part A Coinsurance and hospital costs – up to additional 365 days after Medicare Benefits are used up

Yes

Yes

Yes

Medicare Part B Coinsurance or Copayment

Yes

Yes

Yes

Blood (first 3 pints)YesYesYes
Part A Hospice Care Coinsurance or Copayment

Yes

Yes

Yes

Skilled nursing facility Coinsurance

Yes

Yes

Yes

Medicare Part A Deductible

Yes

Yes

Yes

Medicare Part B Deductible

Yes

No

No

Medicare Part B Excessive charges

Yes

Yes

No

Foreign travel emergency (up to plan limits)

Yes

Yes

Yes

Aetna Premiums

*The rates are from zip code 20120 in Centreville, VA for females age 65. Rates vary based on zip code, gender, age and, in some areas, health.

  • Plan A: $103.13
  • Plan F: $151.02
  • Plan G: $119.87
  • Plan N: $95.63

It’s important to keep in mind that all Medicare supplements are federally standardized. This means they must cover the same exact benefits. This makes shopping around a critical step in the Medicare supplement decision process. Be sure to check out the other important factors that should be driving your Medicare supplement decision.

What makes Aetna special?

Want a free gym membership? Aetna knows that healthy customer create lower and more stable rates. Because of this, the company offers free exercise programs and gym memberships as a benefit to their product. Aetna cheers you on with coverage that encourages your wellness endeavors. Once you sign up as an Aetna customer, you can find an Aetna Fitness class at many YMCAs and community centers.

Aetna is an incredibly stable company. The and scope of Aetna throughout the United States allows it to manage costs more efficiently than most insurance carriers. Aetna also uses its extensive database to price more accurately. These factors create a stable rate environment. In certain situations, you won’t see a rate increase due to age in the first couple of years.

Aetna doesn’t only want to insure you but you and your spouse. It knows that by insuring the full household, there is less confusion over coverages and benefits. You and your spouse only have to manage one platform for claims and billing. This is a huge advantage to consumers. As a reward for buying together, you may receive a household discount based on certain factors, such as ZIP code and subsidiaries available in your area.

History of the company

The Aetna company has been around for a long time. It’s a company that has traditionally sold insurance and other services. The main payers are employment-paid benefits or through Medicare. In 2008, the company became a subsidiary of CVS.

Aetna became a big player in the insurance business when attorney Henry Ellsworth became president of the Aetna (Fire) Insurance Company in Hartford, Connecticut, in 1819. It’s interesting to note that the name “Aetna” is based on a volcano located on the shores of Sicily. At the time, it was the most active volcano in Europe.

Aetna Insurance Company organized an annuity fund to sell life insurance in 1850. The “Aetna” name was retained to take advantage of the good reputation of the original Aetna. After years of history working with customers in the insurance business, Aetna has also become a major player in the Medicare supplement insurance arena. Seek them out with confidence when choosing your Medigap supplement.

Insurance Company

Aetna’s subsidiaries

Please give us a call to find out what subsidiary is available in your area.

  • American Continental Insurance Company
  • Aetna Health and Life
  • Continental Life Insurance Company of Brentwood, Tennessee 

Become our lifelong Aetna client and discover the difference

We think once you see the expertise of Aetna in providing you with the best products to ensure your senior years are productive and healthy, you’ll be a lifelong client with an impeccable relationship with us. Don’t wait. Start today and act by clicking the button below. You’ll be at ease once you do.

1-888-227-6836

Aetna

Rate stability
Competitive rates
Financial Stability
Coverage Area

Overall Rating

4.5 / 5 stars

Our Take

Aetna was given a financially strong rating by both A.M. Best and S&P. Aetna has the added benefit of having the gym membership, Silver & Fit, "built in" to their policies which makes them more attractive. In certain areas, they are extremely stable. We enjoy working with Aetna and feel confident in recommending them.

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