Aetna Medicare Supplement

Aetna’s Medicare supplement plans — or Medigap plans — help cover costs excluded from Original Medicare coverage. Aetna has seven different Medigap plans that help cover your copayments, coinsurance and deductibles. Key features include plan flexibility and affordability, however, it is not available in some states.

Lindsey Crossmier, writer for RetireGuide
  • Written by
    Lindsey Crossmier

    Lindsey Crossmier

    Financial Writer

    Lindsey Crossmier is an accomplished writer with experience working for The Florida Review and Bookstar PR. As a financial writer, she covers Medicare, life insurance and dental insurance topics for RetireGuide. Research-based data drives her work.

    Read More
  • Edited By
    Lamia Chowdhury
    Lamia Chowdhury, editor for RetireGuide.com

    Lamia Chowdhury

    Financial Editor

    Lamia Chowdhury is a financial content editor for RetireGuide and has over three years of marketing experience in the finance industry. She has written copy for both digital and print pieces ranging from blogs, radio scripts and search ads to billboards, brochures, mailers and more.

    Read More
  • Published: March 29, 2022
  • Updated: August 12, 2022
  • 3 min read time
  • This page features 9 Cited Research Articles
Fact Checked
Fact Checked

Our fact-checking process starts with vetting all sources to ensure they are authoritative and relevant. Then we verify the facts with original reports published by those sources, or we confirm the facts with qualified experts. For full transparency, we clearly identify our sources in a list at the bottom of each page.

Cite Us
How to Cite RetireGuide.com's Article

APA Crossmier, L. (2022, August 12). Aetna Medicare Supplement. RetireGuide.com. Retrieved September 25, 2022, from https://www.retireguide.com/medicare/supplement-insurance/companies/aetna/

MLA Crossmier, Lindsey. "Aetna Medicare Supplement." RetireGuide.com, 12 Aug 2022, https://www.retireguide.com/medicare/supplement-insurance/companies/aetna/.

Chicago Crossmier, Lindsey. "Aetna Medicare Supplement." RetireGuide.com. Last modified August 12, 2022. https://www.retireguide.com/medicare/supplement-insurance/companies/aetna/.

Why Trust RetireGuide.com
Why You Can Trust Us

Content created by RetireGuide and sponsored by our partners.

Key Principles

RetireGuide’s mission is to provide seniors with resources that will help them reach important financial decisions that affect their retirement. Our goal is to arm our readers with knowledge that will lead to a healthy and financially sound retirement.

We’re dedicated to providing thoroughly researched Medicare information that guides you toward making the best possible health decisions for you and your family.

RetireGuide LLC has partnerships with Senior Market Sales (SMS) and GoHealth.

Our partners are able to be reached through the phone numbers and/or forms provided on our website.

The content and tools created by RetireGuide adhere to strict Medicare and editorial guidelines to ensure quality and transparency.

Editorial Independence

While the experts from our partners are available to help you navigate various Medicare plans, RetireGuide retains complete editorial control over the information it publishes.

We operate independently from our partners, which allows the award-winning RetireGuide team to provide you with unbiased information.

Visitors can trust our inflexibility regarding our editorial autonomy. We do not allow our partnership to influence RetireGuide’s editorial content whatsoever.

Aetna's Coverage for Medicare Supplement Insurance

Medicare supplement insurance plans help fill the gaps of Original Medicare by bringing down your out-of-pocket costs. For example, while Medicare Part B covers 80% of your medical services, a Medigap plan could help cover the remaining 20%. Each plan offers additional benefits that can make one better suited for you over another.

Aetna is a highly popular health insurance company that offers coverage for seven of the 10 Medigap plans available – A, B, D, G, N, C and F. To qualify for Aetna’s Medigap plans, you must be enrolled in Original Medicare parts A and B and live in a state where the plans are offered.

Did You Know?
Medigap standard plan regulations vary in Massachusetts, Minnesota and Wisconsin. Confirm your coverage with your Medicare provider if you live in any of these states.

All Aetna Medigap plans offer nonrestrictive provider networks, allowing you to see any doctor who accepts Medicare patients. Additionally, you don’t need a referral to see a specialist.

Aetna Medigap Plan Features
  • No rate increase during the first year if you pay your premiums on time.
  • Thirty-day flexibility, meaning you can cancel your plan within the first 30 days and receive a full refund if you’re unhappy with your choice.
  • Consistency in benefits with a guaranteed renewal for the following year.
  • Not limited to a specific group of health care providers.
  • Freedom to select your own doctors.
Source: Aetna

Although Aetna also offers Medicare Advantage plans, you cannot combine them with a Medicare supplement plan. The Medicare Advantage plan exists to take the place of an Original Medicare plan. Aetna’s Medicare supplement plan functions as an add-on for Original Medicare plans.

Aetna Medigap Plan Coverage
Expand
Do Aetna Medigap plans cover dental care and vision care?
No, but Aetna does offer Medicare Advantage plans that can cover dental and vision services.
Source: Centers for Medicare & Medicaid Services

Pros and Cons of Medicare Coverage from Aetna

While supplement plans can help reduce your health care costs, there are still advantages and disadvantages that come with choosing a Medigap plan from Aetna.

Pros and Cons
Pros
  • Highly rated on AM Best.
  • A large, trusted company with millions enrolled in plans.
  • No longer requires referrals and allowed to select your own doctors.
  • Most plans cover majority of out-of-pocket costs.
  • Travel insurance covers 80% of medically necessary care with a lifetime maximum benefit of $50,000 for some plans.
Cons
  • Does not offer all types of Medigap plans.
  • Wide price range for plans depending on age, gender and where you live.
  • Not available in some states.
Connect With a Medigap Professional
Because making a mistake could lead to penalties or the inability to get a Medicare supplement plan altogether.

Average Costs of Medicare Supplement Insurance Plans From Aetna

The cost of Aetna’s Medigap plans fluctuate depending on your age, gender and location.

Below is a sample of 2022 Medigap estimated costs for several states. These premiums are priced for women who are 65 years old and in their enrollment period.

Average Cost of Medicare Supplement Plans by State Example
Expand

If you are still unsure about Aetna’s Medicare Supplement plans, you can use the Medigap plan finder tool to help you find a plan best suited for your needs.

Last Modified: August 12, 2022

9 Cited Research Articles

  1. A.M. Best Company. (2021, December 16). AM Best Affirms Credit Ratings of CVS Health Corporation’s Aetna Subsidiaries; Revises Outlooks on Key Subsidiaries. Retrieved from https://news.ambest.com/presscontent.aspx?refnum=31581&altsrc=9
  2. Aetna Medicare Solutions. (2021, October 1). Medicare Supplement Insurance Plans. Retrieved from https://www.aetnamedicare.com/en/compare-plans-enroll/choose-medicare-supplement-state/view-medicare-supplement-plans.html
  3. Aetna Medicare Solutions. (2021, October 1). About Us. Retrieved from https://www.aetnamedicare.com/en/footers/about-us.html
  4. Consumer News and Business Channel. (2018). CVS Creates New Health-Care Giant as $69 Billion Merger with Aetna Officially Closes. Retrieved from https://www.cnbc.com/2018/11/28/cvs-creates-new-health-care-giant-as-69-billion-aetna-merger-closes.html
  5. Aetna Medicare Solutions. (2017, July, 1). Get Your Premium Rate Quote Today. Retrieved from https://www.aetnaseniorproducts.com/ssi/public/amRateQuote.html?action=getRateQuote
  6. Aetna Health and Life Insurance Company. (2016, February). Outline of Coverage. Retrieved from https://www.aetna.com/medicare-supplement/AAA/common/documents/OOC/NJ_OOC.pdf
  7. Centers for Medicare and Medicaid Services. (n.d.). Medigap & Travel. Retrieved from https://www.medicare.gov/supplements-other-insurance/medigap-travel
  8. Centers for Medicare and Medicaid Services. (n.d.). How to Compare Medigap Policies. Retrieved from https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
  9. Aetna Health and Life Insurance Company. (n.d.). Helping Provide Financial Security. Retrieved from https://www.aetna.com/medicare-supplement/AAA/common/documents/Brochure/AZ_BROCHURE.pdf