Everything You Should Know About Aetna Medicare Supplemental Insurance

Updated for January, 2022

With Medicare, you may feel as though you are paying more out-of-pocket expenses than you initially thought you would be. To help cover these costs, a Medicare Supplement plan can be a great option.

Hospital Bill

The variety of Aetna Medicare Supplement plans available means you will likely find one that will fit your specific needs.

What are Aetna Medicare Supplement Plans?

Aetna Medicare Supplement plans are a type of Medigap insurance plan that covers certain costs related to health care not already covered by Medicare Part A and Part B (Original Medicare). Through the use of Aetna Supplement insurance, you can reduce or eliminate many out-of-pocket expenses.

Who is Eligible for Aetna Medicare Supplement Plans?

If you are eligible for Medicare, you are eligible to sign up for an Aetna Medicare Supplement plan. The following are basic guidelines for Medicare eligibility:

  1. If you are already receiving retirement benefits from Social Security you will become automatically eligible at age 65 for Original Medicare.
  2. Before the age of 65, if you are disabled or have amyotrophic lateral sclerosis, also known as ALS, or end-stage renal disease (ESRD), you may qualify for Original Medicare.

Aetna Medicare Supplement plans cover certain costs related to health care not already covered by Original Medicare.

What Do Aetna Plans Cover?

Aetna Medicare Supplement plans reduce costs that Original Medicare doesn’t cover. Combined with Medicare Part B, which covers up to 80% of Medical expenses, Aetna Supplement plans often cover the remaining 20%, including:

  • Inpatient hospital stays
  • Up to 365 extra days in a hospital setting once Medicare has run out
  • Outpatient Medical costs
  • Care in a skilled nursing facility
  • Hospice within a Medicare-certified facility
  • Some plans eliminate excessive charges
  • Preventative care
  • Your share of the cost of supplies for diabetics
  • The cost you would otherwise pay for durable medical equipment

What are the Features of Aetna Medicare Supplemental Plans?

All Aetna Medicare Supplement plans offer these basic features:

  • Reductions in premiums for a household of two
  • Coverage that goes where you go and can be used anywhere nationwide
  • Ease of mind with guaranteed renewable policies; even if you develop a health condition, your policy cannot be canceled
  • A first-year rate lock — there will be no increase in price during your first 12 months
  • High availability of Medical professionals. If a healthcare provider accepts Medicare, they also accept all Aetna Supplement plans
  • The ability to cancel within your first 30 days of use. If you do decide to cancel, you will receive a full refund

Who are Aetna Medicare Providers?

Aetna Medicare providers include any healthcare provider who accepts Medicare. For this reason, you won’t have to worry about finding a separate provider. The flexibility of this feature makes it one of the most popular features available in a supplement plan.

Aetna Medicare providers include any healthcare provider who accepts Medicare.

What Medicare Supplement Plans Does Aetna Offer?

Aetna offers three Medicare Supplement plans:

  • Medicare Supplement Plan F
  • Medicare Supplement Plan G
  • Medicare Supplement Plan N

Medicare Supplement Plan F

Plan F is the most popular plan because it covers all of the costs Medicare does not. However, starting in 2020, Plan F like will no longer be available to new beneficiaries.

If you are already enrolled in Plan F, you will not be kicked off your plan. Also, if you were eligible for Medicare Part A before 2020, you will still have the option to enroll in Plan F later on.

What Coverage Does Medicare Plan F Offer?

Costs covered by Plan F:

  • Standardized, basic benefits
  • Part A hospital deductions
  • Part B services, including coinsurance up to a certain percent, as well as copays associated with visits to the doctor’s
  • Part B deductibles up to a set amount
  • Out-of-country travel emergencies within a set limit
  • Copays or coinsurance for skilled nursing facilities or hospice
  • Excess charges

Medicare Supplement Plan G

Plan G covers all additional expenses Medicare does not, with the exception of the deductible paid by Part B beneficiaries. With Plan F unavailable new enrollees, Plan G is a popular replacement option for people who opt for supplemental coverage.

What Coverage Does the Medicare Plan G Offer?

Costs covered by Plan G:

  • Standardized, basic benefits
  • Part A hospital deductions
  • Part B services, including coinsurance up to a certain percent, as well as copays associated with visits to the doctor’s
  • Out-of-country travel emergencies within a set limit
  • Copays or coinsurance for skilled nursing facilities or hospice
  • Excess charges

Aside from affordability Aetna promotes wellness and health within communities by offering grant programs and through the support of nonprofit organizations.

Medicare Supplement Plan N

The popularity of Plan N has risen so far in 2020 and is expected to become even more popular. The popularity of this plan is in part due to low monthly premiums and sought-after benefits.

What Coverage Does Medicare Plan N Offer?

Costs covered under Plan N:

  • Standardized, basic benefits
  • This comes with the exception of requiring a $50 copay for inpatient stays and a $20 copay when visiting the doctor’s
  • Skilled nursing facility coinsurance costs
  • Hospice care copays or coinsurance
  • Out-of-country benefits
  • 100% of preventative care costs

Costs not covered under Plan N:

  • Part B deductibles
  • Excess charges

Reviews for Aetna Supplemental Plans

Aetna offers affordable supplement plans for Medicare subscribers. Aside from affordability Aetna promotes wellness and health within communities by offering grant programs and through the support of non-profit organizations. They are considered top tier within the Medicare Supplement market.

To learn more about Aetna Medicare Supplemental insurance, you can chat with a licensed professional today. They will be happy to answer your questions and help you decide what supplemental insurance is best for you.