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Aetna Medicare Supplement Company Review

Last Updated on

Aetna Medicare Supplement Logo

 

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.

Get Quotes 1-888-227-6836

An Aetna Medicare Supplement is a stellar choice in today’s increasingly complicated Medicare supplement market. They make it easy for you to pick the right plan for your needs. Read on to see how they do it…

 

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.

When in 1819, Henry Ellsworth, an attorney, became the president of the Aetna (Fire) Insurance Company in Hartford, Connecticut, the Aetna name became a big player in the insurance business. 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 is retained to take advantage of the good reputation of the original Aetna. The name was inspired by an 11,000-foot volcano on the eastern shores of Sicily, Mt. Etna, which was the most active volcano in Europe. After years of history working with customers in the insurance business, Aetna has also become a major player in the Medicare supplement arena. Seek them out with confidence when choosing your Medigap supplement.

Insurance Company

Aetna’s subsidiaries

When you move out of state with your Aetna Medicare supplement, you can be assured that agents from American Continental, Aetna Health and Life and Continental Life of Brentwood, Tennessee will be there to assist you. All are subsidiaries of Aetna, so relax and be assured you’re taken care of.

 

Medicare Supplements 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 offer the same benefits. This makes shopping around extremely important.

 

Aetna Medicare Supplement Premiums

*The above 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. Meaning, 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 gym membership? We’re behind you cheering you on with coverage that counts to encourage your wellness endeavors. You can locate an Aetna Fitness class at many YMCAs and community centers.

Aetna also gives you a free look period. That’s right – look at the supplement by using it for 30 days before committing.

In the first 12 months, you won’t ever see a rate increase, Aetna will offer you a lifetime renewal guarantee and freedom to choose your own providers.

You may receive a household discount based on certain factors and your Aetna coverage is always ready to go where you go. Now that’s portability.

Happy Couple

For what Medicare doesn’t cover, Aetna’s got you covered

For a few ideas of how Aetna can make your Medicare supplement experience something to write home about, they cover:

  • Outpatient medical costs not covered by Medicare
  • Take care of those expensive deductibles
  • cover the inpatient hospital stay costs that Medicare denies
  • Once your Medicare runs out, Aetna gives you an entire year (that’s 365 days!) of extra hospital stay coverage
  • Aetna covers skilled nursing care in a nursing home or in a hospice facility
  • Certain Aetna plans may get rid of excess charges
  • Aetna cares about your health and wants you to enhance your prevention efforts

 

Aetna Medicare Supplement Plan F

When the piece of the pie that Medicare doesn’t cover hits you in the eye like a big pizza pie, it can be quite unnerving. How will you get the money to pay the portion that Medicare doesn’t cover? Important things like hospital deductibles, nursing costs, copays 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 holds the highest premium amount but covers everything your Medicare doesn’t. Rate increases also prove higher with Medigap Plan F. Rate increases have been between five and seven percent per year, which you might expect with a “Cadillac” plan.

Medicare Plan F is being discontinued in 2020. Although it’s a good plan, many are opting for Plan G, so they don’t have to switch to a new plan in 2020. Still it’s a great choice in the long-term.

 

Aetna Medicare Supplement Plan G

The most popular choice for Medicare supplements through Aetna is the Plan G supplement.

It does hold an annual deductible of $185.00 per year paid to the primary care provider. Copays, no problem! When you visit a doctor or specialist with Plan G Medigap, you can skip the copays.

Really, Plan G is fairly like Medigap Plan F. The difference is in that the Plan B is not in the coverage. For 2019, the deductible is $185.00, but with Plan G Medigap, if you go to a doctor or hospital that accepts Medicare, the $185.00 is your only out-of-pocket expense.

Plan G offers:

  • Complete and fully paid coverage in the hospital
  • Fully paid skilled nursing visits
  • Following deductible of $185.00, doctors’ visits are covered at 100 percent
  • Any excess charges related to Part B Medicare are covered at 100 percent
  • Copays and coinsurance costs are waived
  • You may receive care in any foreign country up to your plan limits
  • Ability to see your doctor of choice, provided they are a Medicare provider

 

Aetna Medicare Supplement Plan N

Another choice for Medigap insurance is Medicare Supplement Plan N. One of the main differences with Plan G and Plan N is that there is a copay to see the doctor or healthcare provider. The copay is not very much, and it ranges between nothing and an affordable $20.00. Part B deductibles are also not part of the coverage, like 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. This can all be avoided if you make sure that your provider is a provider that accepts Medicare assignments.

 

Aetna Medicare Supplement comparison chart:

 

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

 

 

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.

Contact us today

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.

Get Quotes 1-888-227-6836

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