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.
- Written by Lindsey Crossmier
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 BySavannah Hanson
Senior Financial Editor
Savannah Hanson is a professional writer and content editor with over 16 years of professional experience across multiple industries. She has ghostwritten for entrepreneurs and industry leaders and been published in mediums such as The Huffington Post, Southern Living and Interior Appeal Magazine.Read More
- Reviewed ByAflak Chowdhury
Aflak Chowdhury is a Medicare expert and independent insurance broker specializing in group health insurance. He has worked for major providers including Humana and Principal Financial Group and today works mainly in the small group market.Read More
- Published: March 29, 2022
- Updated: May 23, 2023
- 3 min read time
- This page features 9 Cited Research Articles
- Edited By
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.
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.
- 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.
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.
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.
- 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.
- Does not offer all types of Medigap plans.
- Wide price range for plans depending on age, sex and where you live.
- Not available in some states.
Average Costs of Medicare Supplement Insurance Plans From Aetna
The cost of Aetna’s Medigap plans fluctuate depending on your age, sex 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.
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.
9 Cited Research Articles
- 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
- 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
- Aetna Medicare Solutions. (2021, October 1). About Us. Retrieved from https://www.aetnamedicare.com/en/footers/about-us.html
- 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
- Aetna Medicare Solutions. (2017, July, 1). Get Your Premium Rate Quote Today. Retrieved from https://www.aetnaseniorproducts.com/ssi/public/amRateQuote.html?action=getRateQuote
- 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
- Centers for Medicare and Medicaid Services. (n.d.). Medigap & Travel. Retrieved from https://www.medicare.gov/supplements-other-insurance/medigap-travel
- 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
- 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
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