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Aetna Medicare Supplement Plans

Aetna health and life insurance company established insurer began selling its first major medical policies in the early 1950s. By 1966, they had paid their very first Medicare claim. This means that they were both medical and Medicare insurance pioneers. Typically, Aetna Medicare Supplement plans are considered one of the top Medigap insurance plans in the United States for Medicare coverage.

What Medicare Supplement Insurance plans does Aetna offer?

Aetna Medicare Supplement Plan F

With Aetna Medigap plan F, you get coverage for all of the gaps in payment left by Original Medicare. This even includes plan options for foreign travel emergencies and for charges that exceed Medicare allowances.

Some of the health insurance coverage that you can enjoy by choosing Medigap Plan F, despite its higher monthly premium, include:

  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Medicare Part B coinsurance
  • Hospice care coinsurance
  • Skilled nursing facility care/inpatient hospital stays
  • The first three pints of blood when needed for a medical procedure
  • Wellness visits
  • Office visits with your doctors and other healthcare providers

Before you choose a less comprehensive plan like Plan A or Plan N, you should talk to an insurance agent so that you can discover the benefits of Medicare Plan F through a company like Aetna Health and Life.

Aetna Medicare Supplement Plan G

The only difference between Aetna Medicare Supplement plan G and plan F is that plan G doesn’t pay for the Part B deductible. The annual deductible for Part B is $233.00 for 2022.

This means that you might compare premiums and find that the difference in price is actually greater than that deductible amount. This makes choosing Medigap plan G a pretty frugal decision. There’s little sense in paying more to insure something than it would cost you in the first place.

Aetna Medicare Supplement Plan N

These are some highlights of Aetna Medicare Supplement Plan N when compared to Plan F:

  • Medigap Plan N imposes more cost-sharing. Examples include $20 copays for trips to the doctor or a $50 copay to an emergency room.
  • It doesn’t pay for excess charges or the Part B deductible. You will probably want to be sure that your medical providers take Medicare Assignment.

A modest co-pay for a doctor’s visit or a rare visit to an emergency room won’t upset their budget that much. In this case, they may find that Aetna Medigap Plan N offers them the best choice. In some areas, the price difference between plan F and plan N might be $50 to $100 a month. That difference in price can make up for many $20 copays for a doctor’s visit.

If you do need to go to the emergency room but aren’t admitted to the hospital, you may have to pay a $50 copay. At the same time, you might save that much or more a year on the cheaper option of Plan N.

Find Plans in Your Area

How much do Aetna Medicare Supplement plans cost?

The exact pricing for Medigap policies through Aetna depends on which plan you choose, where you live, personal health conditions, and how your insurer rates monthly premiums.

Here are example prices for a Florida resident living in 32244.

65-Year Old Male Non-smoking
Plan Type Premium Range
Plan F$197.67 - $248.34
Plan G$166.31 - $200.84
Plan N$133.78 - $160.86

Is Aetna a good Medicare Supplement company?

Aetna can trace its history to the company’s beginnings as a life insurance company way back in the 1850s.

For instance:

  • This Aetna health and life insurance company made the news and generated good press when they offered life insurance policies to the country’s first astronauts before they went to space in the 1960s.
  • Through their foundation, they also began actively in charitable causes in the 1970s.

These are some notable facts about the size of this established insurance company:

  • A.M. Best rating: A
  • Offers a 30-day guarantee if you’re not satisfied with your choice of a Medigap policy.
  • Use your Medicare Supplemental insurance with almost any medical provider who will accept Original Medicare.
  • You can enjoy stable, standardized benefits that won’t change each year as so many Medicare Advantage insurance companies do.
  • Nationwide, about 90 percent of supplemental insurance policy owners said that the plan did what they expected it to do.
  • Five-year yearly growth rate: 13 percent
  • Number of employees: About 50,000
  • Total number of clients: Almost 47 million

When Can I Enroll in Medicare Supplement Plan?

The good news is that there isn’t a yearly Open Enrollment for Medigap plans. To qualify, you just need to have Part A and B of Original Medicare. Also, you can’t enroll in an MA plan and a supplement at the same time.

However, there are only certain times when you can enjoy Guaranteed Enrollment Periods. The most common of these starts on the month when you first qualify for Part A and B and lasts for six months. At other times, you may get another Special Enrollment Period if you leave a company’s service area, lose your policy because of something the insurance company did, and so on.

You are free to apply for Aetna Medicare supplement plans at any time of the year. If you don’t have a Guaranteed Enrollment Period, you might have to answer health questions. Even if you have some typical medical conditions that are associated with aging, you might still qualify for standard rates. Of course, there is a chance that some medical issues might cause a decline or get you charged higher rates.

Please note: We are not Aetna, this is our general opinion of Aetna Medicare supplement plans. Refer to your complete policy for full coverage details.


Centers for Medicare and Medicaid Services