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Whether you’re new to Medicare, getting ready to sign up for Medicare or you have had Medicare, we try and make this very complex process as easy as possible. Instead of calling each carrier one by one, we give you access to the most affordable plans in your area from the nations most recognized insurance carriers all in one place. Its 100% free and the is absolutely no obligation to sign up.
Selecting your Medical coverage should be a simple and easy process, but unfortunately in most cases its not. We help simplify this process for you, by filling out the form on this page you will receive a rate comparison from the most affordable carriers in your area. Again, this is 100% free and there is no obligation to sign up.
By selecting “View Rates”, you provide your signature expressly consenting that Inside Response and its partner companies, including Elite Insurance Partners, SelectQuote, HealthMarkets, HPO, Medicare Solutions, Allied Insurance, and United Medicare can contact you at the information provided – potentially via an automated dialing system or automated text message – regarding Medicare Advantage, Part D, Medicare Supplement, or other insurance plans. Your telephone company may impose additional charges for messages. Your consent is not a condition of purchase and you may revoke your consent at any time.
Aetna Medicare Supplement Plans
Aetna is a very stable insurance company that has been around for over a century and a half. Depending on which plan you enroll in, their Medicare Supplements have great benefits.
Aetna started selling Medicare insurance back in the 1960’s. Their mission was to build a healthier world. Now they’re the leader in global health benefits.
Aetna has helped develop world-class health systems for corporations, governments and providers globally. This is a company that agents and consumers can both rely on.
Aetna Medicare Supplement Plans
Aetna Medicare Supplement Plans help cover the costs of outpatient expenses, deductibles, inpatient hospital stays, skilled nursing facility care, diabetic supplies, Durable Medicare Equipment & much more.
Supplements also give you an extra 365 days in the hospital after Medicare runs out, they allow for hospice in Medicare-certified facilities and help keep you healthy with preventive care.
Depending on the plan you select, you could also receive coverage for emergency medical costs while traveling outside the United States.
The best thing a supplement does is offer peace of mind; knowing that you’re covered if something happens. You won’t need to worry about out of pocket medical costs not covered by Original Medicare. Aetna supplemental coverage is a great way to fill the gaps in your Medicare coverage.
There are some plans that will cover both your inpatient and outpatient deductibles. When Medicare is only covering 80% of your medical costs, an Aetna Medigap policy is a great way to protect yourself against the other 20%.
Companies that offer several different types of insurance are typically strong, reliable companies. Aetna covers more than 43 million Americans. They are a national leader in Medicare, health, disability, group and dental insurance.
Aetna Medicare Supplement Plans are sold in many states. It’s common to see their plans listed under a subsidiary company, like Continental Life Insurance, Aetna Health and Life Insurance Company or American Continental Insurance.
Aetna Medicare Supplements Additional Benefits
Some features that apply to all Aetna Medicare Supplement Plans include:
- No rate increases during your first year.
- 30-day Free Look Period allows you to cancel for any reason in the first 30 days for a full refund.
- See any provider that accepts Medicare Assignment.
- Household discounts.
- Policy is Guaranteed renewable, it can never be canceled for health issues.
- Your policy is accepted nationwide, you have freedom to travel
These features can be seen in any Aetna Medigap policy, you just need to find the one that meets your criteria for coverage.
If you want to enroll in an Aetna Medicare Supplement, you’ll need to have both Medicare Part A and Part B.
Aetna Medicare Supplement Plan N
Plan N is a great choice from Aetna. This policy will cover your Part A hospital deductible, Part A coinsurance, and 80% of foreign travel emergency up to the plan limits.
Plan N is a lower cost option, with more out of pocket expenses. This letter plan doesn’t cover the Part B deductible, or Part B excess charges.
There’s a copayment of $20 that you’ll be responsible for when you go to the doctor’s office and $50 when you go to the emergency room. The emergency room copayment is waived if you’re admitted to the hospital.
Part B excess charges are no more than 15% that some doctors will charge beyond what Medicare pays. You can always ask your doctor beforehand if they charge excess charges. You’ll find the majority of them don’t.
Medigap Plan N is popular for people who want the flexibility of Aetna Medicare Supplement coverage and a lower premium option.
Aetna Medicare Supplement Plan F
All Medicare Supplements are standardized by the federal government, including the ones offered by Aetna. So, when you purchase an Aetna Medicare Supplement Plan F, you can be confident that your Plan F has the same exact health benefits as any other Plan F.
Plan F is the most popular Medicare Supplement Policy, this is because of the little to no out-of-pocket expense. Plan F offers first-dollar coverage; if you go to a Medicare-approved provider you won’t have to pay anything out of pocket. Plus, Medicare Supplement Plan F Reviews are all incredible.
Coverage this good does come at a price, it’s the most expensive supplement plan on average. In addition to the higher cost, the rate increases tend to be higher than the other plans.
However, with a fixed monthly expense and usually no unexpected out-of-pocket costs for you, an Aetna Medicare Supplement Plan F can give you real peace of mind.
Once Medicare pays its share of a bill, it sends the balance to the Medigap company to pay the rest. The Medicare Supplement company doesn’t get to decide which benefits they will honor, and which benefits they won’t.
On average, the rate increases for Plan F tend to be 6%-10% each year, depending on the company and state you live in. Aetna has always been competitive in most states.
Another important fact to consider is that all first-dollar coverage plans will be going away in 2020. This means if you don’t become Medicare eligible until after 2020, you won’t be able to enroll into Plan F.
Aetna Medicare Supplement Plan G
One of the most popular insurance policies is the Plan G. Aetna Medicare Supplement Plan G offers you the opportunity for lower premiums and comprehensive coverage. Medicare Supplement Plan G covers everything that Plan F covers, except the Medicare Part B annual deductible.
The cost is more affordable than Plan F in most states, and the coverage is more comprehensive than Plan N. This is a great value if the annual premium is more than you pay out for the deductible, which most of the time is the case.
With Plan G, the annual savings in premiums can be a few hundred dollars more than the cost of the Part B annual deductible.
Plan G policies also tend to have lower rate increases from year to year than Plan F policies. The reviews for Plan G are worth checking out.
Basic Benefits Start with Plan A
If an insurance company sells Medicare Supplements, then they’re required by law to offer Medicare Supplement Plan A. Plan A offers the most basic benefits that are included in all Medigap policies.
Medicare Supplement Plan A covers 100% of these four things:
- Part A coinsurance payments for inpatient hospital care up to an additional 365 days after Medicare benefits are used up
- Medicare Part B copayment or coinsurance expenses
- The first 3 pints of blood used in a medical procedure
- Part A hospice care coinsurance expense or copayment
All plans will cover hospital care coinsurance at 100%. The other plans all cover at least one benefit that Plan A doesn’t cover. Some cover up to an additional five benefits.
Best Time to Enroll in Aetna Medicare Plans
The best time to enroll in an Aetna Medicare Plan is when you’re first eligible. This will avoid any unnecessary premium increases due to pre-existing health conditions.
Once you’re enrolled in Part B, your Medicare Supplement Open Enrollment Period will start. This period will last 6 months after your Part B effective date. During this time, your granted guaranteed issue.
However, even if you missed this once in a lifetime enrollment period, you can still enroll at any time. You’ll just have to answer some medical questions and go through medical underwriting to apply.
Aetna Medicare Premiums
Of course, the most common question we hear is “how much is the plan going to cost me.” The most important thing to understand here is Medicare Plan premiums are completely dependent on your specific information.
That’s why it’s impossible for us to give you an accurate quote based off just your email address, no agent or broker can do that. As stated above, all plans are standardized.
No matter what carrier you choose, the benefits will be the same for that letter plan. The ONLY difference is the cost the carrier charges for the monthly premium.
The premium is dependent on the rating method the carries uses, as well as your gender, location, age, and much more. The rating method Aetna chooses to use in one state can be completely different from another.
What Sally Joe paid down the street for her Aetna Medigap Plan is most likely not going to be what you’ll end up paying. That’s why it’s important to speak to a licensed agent that can will give you an accurate quote based off your individual healthcare needs.
For example, a 70 year old healthy female that doesn’t smoke living in Florida will pay somewhere around $207 a month for Plan G. Now, a 67 year old male that does smoke living in the same state will pay somewhere around $235 a month for the same plan.
Lets say those same two beneficiaries live in North Dakota. The female would pay around $118 in monthly premiums for Plan G. The male would pay around $133 a month in premiums for the same plan.
That same plan with another carrier can cost the above beneficiaries over $300 a month. You can see why it’s advised to have a licensed agent by your side when enrolling in any plan with any carrier. That way you can compare rates with all the carriers to make sure you find the best price.
Aetna Medicare Advantage Plans
By law, Aetna Medicare Advantage Plans are required to cover everything included in Original Medicare. The only exception is hospice, which would still be covered under Part A of the federal program. Most Medicare Advantage Plans offer additional benefits.
The additional benefits can include routine dental, vision, hearing and prescription drug coverage. With a Medicare Advantage Plan you will need to remain enrolled in Medicare Part B, and pay your Part B monthly premium.
Aetna offers HMO, HMO-POS, and PPO plans in select areas. They also have special needs plans for people with certain characteristics, like chronic or disabling diseases or conditions (like diabetes or end-stage renal disease). There are even special needs plans for those who live in institutions or who have Medicare and Medicaid.
Not every plan will be offered in every location. If you move out of the plan service area, you’ll need to change your plan. Each year Medicare Advantage Plans change. It’s your responsibility to check if your doctors are in-network and if your prescriptions will be covered each year when the plan changes.
There’s a lot of hype around advantage plans, make sure to do your research thoroughly with the help of a licensed agent before enrolling. There’s a lot of restrictions that come with these types of plans, many new beneficiaries end up stuck in a Medicare Advantage plan they didn’t want.
Starting in 2019, the return of the Medicare Open Enrollment Period will be in full force. This enrollment period was specifically brought back due to the number of beneficiaries enrolling in advantage plans that didn’t give them the coverage they thought it did.
You can see why beneficiaries choose an Aetna Medicare Supplement Plan over a Medicare Advantage Plan here.
Aetna Part D Prescription Drug Plans
If you’re enrolling into a Medicare Supplement, you need to inquire about Aetna Medicare Part D Plans. While there are Aetna Part D Plans in many areas, don’t select a plan based solely on the company name. Each plan has a different drug list, premium, and different copays for drugs.
The company with the most suitable Medigap policy, may not have the most suitable drug policy, and that’s okay. Your supplement and your prescription drug plan are two separate policies, so select the plans that offers the coverage you need.
Our insurance experts can compare Part D and Medigap Plans side by side, with all the top carriers in your area.
Aetna Medicare Providers are Nationwide
Aetna Medigap policies allow you to see ANY provider in the nation that accepts Medicare Assignment.
If you enroll in a supplement, you won’t need to ask doctors if they accept Aetna. If they accept Medicare, then Medicare will pay its share of the bill and send the remainder to Aetna.
With a Medicare Advantage Plan, you will typically have a list of doctors, hospitals and providers that you need to stay with for coverage. You’ll also have copayments each time you receive care.
Aetna is a longstanding health insurance company that offers a multitude of insurance plans with some of the most affordable rates in the industry.
Their supplements offer great benefits, and anyone with a Medigap policy will find themselves with great peace of mind regarding their healthcare.
Their reviews are high due to their conservative rates and 12-month rate lock that has earned them the title of an AM Best A Rated Company.
Aetna Medicare Supplement Application
When you choose MedicareFAQ, you get the benefit of working with someone that cares about your best interest, not just a one company mind set.
It’s nearly impossible to stay current on all the Medicare changes. Our licensed agents can educate you on what’s important and filter out the rest.
It doesn’t cost you anything to work with us, we help hundreds of Medicare beneficiaries select the best option for them every day.
Another plus about signing up with us, our Client Service Team will be here each step of the way. Not just during the application process, but throughout the lifetime of your policy. If you have any issues with coverage, we’re here to help resolve it at no additional cost.
If you prefer to complete our Aetna Medicare Supplement Plan application form online, click here! Or, if you prefer to speak to a licensed agent, please call the phone number above.