Medicare supplement plans, also called Medigap, offers coverage for some of your out-of-pocket costs that are not paid for with Original Medicare. The variety of available Aetna Medicare supplement plans means you can find a plan that meets your coverage needs and budget. Aetna is one of the top supplemental insurance companies that REMEDIGAP offers to our clients. Let’s discover how an Aetna Medigap plan can help cover the unexpected costs of Original Medicare.
In this article we’ll discuss:
About Aetna Health And Life Insurance
Aetna has been in the insurance business for over a century, with over 160 years of experience. They have branched out over the years and have several subsidiaries that you should be aware of:
Aetna Life Insurance Company (ALIC)
Aetna Health Insurance Company (AHIC)
Company Details
Aetna phone number:
Phone:
1 (800) 264-4000
Aetna Subsidiaries
- Accendo Insurance Company
- Aetna Health and Life Insurance Company
- Aetna Life Insurance Company (ALIC)
- Aetna Health Insurance Company (AHIC)
- American Continental Insurance Company (ACI)
- Continental Life Insurance Company (CLI)
Aetna sells Medigap insurance under Aetna (ALIC), Aetna (AHIC), Continental Life and American Continental. Aetna senior products are some of the best in the country.
Aetna Insurance Rating
Aetna is committed to maintaining superior financial strength. They have a long history which has provided an excellent financial foundation and stability.
Aetna Financial Ratings
Aetna has excellent financial ratings from the top rating agencies.
- A.M. Best: A
- Standard & Poor’s: A+
- Moody’s: A2
- Fitch: AA-
- J.D. Power & Associates: N/A
- Better Business Bureau: A+
Aetna Medicare Supplement Reviews
Aetna understands that your out-of-pocket costs can be expensive for anyone covered under Original Medicare. Aetna Medigap plans help pay copays or coinsurance, deductibles, and other out-of-pocket health care costs. Aetna is highly recommended and one of the top Medicare Supplement companies.
An Aetna Medicare Supplement policy offers you the following:
- Initial 12-month rate is locked in.
- A 30-day “free look period”
- Guaranteed renewable health insurance coverage — for life!
- Go to any hospital, see any doctor or specialist in the U.S.A. that accepts Medicare
- Most supplement plans have some foreign travel coverage
What are the biggest advantages of buying an Aetna Medicare plan?
- Competitive rates
- Market experience
- A 7% household discount is available in some states
- Simple and convenient e-application
- Customer satisfaction is strong
- Good claims support
- Policies issued quickly (often on the same day!)
Aetna Medicare Supplement Plans
Aetna offers a variety of Medicare supplement plans, each with its own coverage benefits. Do you have Medicare Part A and Part B, Aetna likely has an ideal Medicare supplemental plan to help you.
The most popular plans are Plan G, Plan N and Plan F. The availability of Medigap plans in your area will depend on where you live.
REMEDIGAP specializes in helping find these Aetna plans for you. We can help show you how Aetna supplemental rates match up with some of the other insurance companies. From big-name insurance companies like Transamerica & Cigna to others you may not have heard of like GPM.
As of January 1, 2020, Plans C, F and High Deductible F cannot be sold to those newly eligible for Medicare. Newly eligible is defined as anyone who: (a) attains age 65 on or after January 1, 2020
Here are the 3 most popular Aetna supplemental insurance plans:
Aetna Medicare Supplement Plan F
Aetna Supplemental Plan F has been the most popular Medigap plan. The reason is because Medigap Plan F provides the most complete coverage when comparing all of the Medigap supplement plans. With Aetna Plan F, you usually won’t come into a situation where you’ll experience out of pocket spending towards your Medicare Part A or Part B services.
Plan F Overview
| Medicare Supplement Benefits | Plan F Covers? |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used | Yes |
| Medicare Part B coinsurance or copayment | Yes |
| Blood (first 3 pints) 3 | Yes |
| Part A hospice care coinsurance or copayment | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency (up to plan limits) | Yes |
Aetna Medicare Supplement Plan G
Aetna Medicare Supplement Plan G is the 2nd most popular Medigap plan. Aetna Plan G provides all the coverage benefits of Plan F except for the Part B deductible. You’re responsible for paying for the Part B deductible.
Medigap Plan G is great for people who want to save money by simply paying the Part B deductible on their own. Plan G also has a pretty stable rate increase history.
Plan G Overview
| Medicare Supplement Benefits | Plan G Covers? |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used | Yes |
| Medicare Part B coinsurance or copayment | Yes |
| Blood (first 3 pints) 3 | Yes |
| Part A hospice care coinsurance or copayment | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency (up to plan limits) | Yes |
Aetna Medicare Supplement Plan N
Aetna Medicare Supplement Plan N comes in 3rd place when looking at overall popularity. However, Aetna Plan N has become very popular recently because of the potential savings it can offer.
With Plan N, you’ll get help with all of the coverage gaps except for the Part B deductible, some copayments when visiting your doctor & emergency rooms, and your excess charges.
What Do Aetna Medigap Plans Cover?
All Medicare supplement policies are standardized. This simply means that you get the same benefits as someone else who has the same plan letter. To make sure you understand the benefits associated with each Aetna plan, we’ve include what services Medicare pays for and what you’re responsible for.
Medicare Supplement Plan F Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,484 | $1,484 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $352 a Day | $352 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $704 a Day | $704 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $203 (Part B Deductible) | $0 |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charge | $0 | 100% | $0 |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $203 (Plan B Deductible) | $0 |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 each calendar year | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan G Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,484 | $1,484 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $352 a Day | $352 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $704 a Day | $704 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $0 | $203 (Part B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charge | $0 | 100% | $0 |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $0 | $203 (Plan B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 during 1st 60 days | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan N Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,484 | $1,484 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $352 a Day | $352 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $704 a Day | $704 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $0 | $203 (Part B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Balance, Other than Copays | Up to $20/$50 Copays, Emergency visit copay waived if admitted |
| Part B Excess Charge | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $0 | $203 (Plan B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 each calendar year | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
What Do Aetna Medicare Supplement Plans Cost?
Medigap Plans costs will vary by the plan you choose, your age, the insurance company you’re buying from and other factors. Just know that if you pay your plan’s premiums on time, your coverage is automatically renewed.
Medicare Supplement insurance companies can offer premium discounts, which is an important feature to think about when you’re looking for the most affordable plan. We’d be happy to discuss any possible discounts with Aetna and any other company that offers them.
How Do I Enroll In An Aetna Medicare Supplement Plan?
REMEDIGAP has helped thousands of Medicare beneficiaries with their Medigap plan options which includes Aetna. Would you like help exploring your Medicare Supplement choices in your area? Contact us today and receive free assistance.
We’re independent licensed brokers and committed to make sure you find a Medigap plan that suits your specific financial and medical needs. When you work with REMEDIGAP you’ll never be pressured or deal with a pushy agent. We’re here educate and help review your plan choices with the top companies, including Aetna Medicare supplements.
Call 1-888-411-1329 and have someone on your side today.
