Aetna Medicare Supplement Review [2023]
Aetna Medicare supplement plans, also known as Medigap, cover the out-of-pocket costs associated with Medicare, such as deductibles, copayments, or coinsurance. Aetna supplemental insurance plans include Medigap Plans A, B, F, G, and N. While Aetna provides plans at affordable rates, the company receives a higher-than-average number of customer complaints. Even so, Aetna Medicare supplement plans may be an excellent way to save on your healthcare.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Aetna provides Medicare supplemental insurance, also called Medigap, to help cover costs of out-of-pocket expenses that are involved in Medicare coverage
- Aetna’s supplemental insurance includes Medigap Plans A, B, F, G, and N, but you cannot get Plans C, D, K, L, or M from Aetna
- Aetna provides its insurance plans at below-average prices, but it also seems to receive a higher-than-average number of customer complaints
Aetna is a CVS Health company that provides Medicare Advantage plans, supplemental insurance known as Medigap, and other health insurance plans. Since it was founded in 1853, it has been dedicated to providing the best health benefits.
If you are considering purchasing supplemental insurance, read our Aetna Medicare supplement insurance review below to learn what its plans cover, how much they cost, and more.
If you are unable to find affordable Aetna supplemental insurance, enter your ZIP code into our free quote comparison tool above to find an affordable health insurance company near you.
What is included in Aetna’s Medicare supplement plans?
Medicare supplement plans, or Medigap coverage, is meant to cover the out-of-pocket expenses that are incurred by Medicare policyholders. If an individual has Medicare Part A or Medicare Part B, they are likely to have deductibles, copayments, or coinsurance, which can be expensive. Therefore, Medigap plans are designed to cover these expenses after Medicare pays its portion.
Aetna insurance plans include Plans A, B, F, G, and N, which cover the same expenses as these plans from other companies. Let’s take a look at what each plan covers below:
Plan A | Plan B | Plan F | Plan G | Plan N | |
---|---|---|---|---|---|
Medicare Part A coinsurance | 100% | 100% | 100% | 100% | 100% |
Medicare Part B coinsurance | 100% | 100% | 100% | 100% | 100% |
Blood (3 pints) | 100% | 100% | 100% | 100% | 100% |
Medicare Part A hospice care coinsurance | 100% | 100% | 100% | 100% | 100% |
Skilled nursing facility coinsurance | No | No | 100% | 100% | 100% |
Medicare Part A deductible | No | 100% | 100% | 100% | 100% |
Medicare Part B deductible | No | No | 100% | No | No |
Medicare Part B excess charges | No | No | 100% | 100% | No |
Foreign travel emergency | No | No | 80% | 80% | 80% |
Since these plans provide the same coverage regardless of which company you choose, most companies compete on the extras they provide as well as rates. Aetna senior supplemental plans include benefits such as a 24-hour nurse hotline, over-the-counter discounts, and meal-at-home programs after hospital stays. Some plans also include vision, dental, and hearing coverage, as well as fitness memberships and prescription mail orders.
If you buy a Medicare-related plan from Aetna, you’d be joining an Aetna Medicare PPO, which means that you can receive care from any healthcare provider that accepts Medicare, but it may cost less if you choose one in your network.
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How much is Aetna Supplemental Insurance?
Let’s first take a look at some sample rates for Plan G supplemental insurance from some popular companies including Aetna:
Company | Monthly Premium for a 65-Year-Old | Monthly Premium for a 75-Year-Old | Monthly Premium for an 85-Year-Old |
---|---|---|---|
AARP | $124 | $199 | $209 |
Aetna | $117 | $146 | $200 |
Cigna | $146 | $182 | $231 |
Humana | $120 | $160 | $215 |
As illustrated in the table above, Aetna supplemental insurance rates are generally cheaper than its competitors’ rates. However, rates for Aetna supplemental insurance plans may vary widely by age and location since each state has their own pricing standards for Medigap policies.
How is Aetna Rated?
The Aetna supplemental insurance company has an A+ rating from the BBB.
Aetna Health and Life Insurance Company, which underwrites Aetna’s supplemental insurance plans, has a financial strength rating of A from A.M. Best, which means that it has an excellent ability to meet its financial obligations, such as paying claims. In addition, it has a long-term issuer credit rating of A, which means it also has an excellent ability to repay its long-term debt.
Unfortunately, Aetna Health and Life Insurance Company has an NAIC complaint index of 2.34, which means that it receives 2.34 times the number of complaints than is expected for a company of its size. Similarly, Aetna Life Insurance Company has an NAIC complaint index of 1.52, so customers may be unhappy with Aetna’s customer service, claims processing, or other issues.
How do I Get Quotes or File Claims?
Getting Aetna supplemental insurance quotes is easy. You can visit the company’s website to get a quote without having to enter personal information. All you need is your state and ZIP code, birthday, gender, and the day you want your policy to start. You can see quotes for all available plans immediately after entering the information.
In most cases, you will not need to file claims with Aetna. When it comes to health insurance, healthcare providers are responsible for filing claims and making sure they are paid. However, if you have questions about a claim, you can either ask your healthcare provider or call (800) 358-8749.
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How Can I Contact Aetna?
The general Aetna customer service phone number is (855) 335-1407. However, if you are looking for a new plan, you can call a number specific to the type of coverage you want. For example, the Aetna supplemental insurance number is (800) 358-8749. However, if you want Medicare Advantage from Aetna, you should call the general number listed above.
You can also use the email option to fill out the contact form on Aetna’s website. In addition, Aetna’s mailing address is Aetna Inc., PO Box 14088, Lexington, KY 40512.
Should I buy Aetna Supplemental Insurance?
Aetna supplemental insurance plans are an affordable option to help reduce out-of-pocket costs from using Medicare. Aetna tends to have prices that are lower than its competitors’ rates. However, it seems to have an above-average amount of customer complaints. Therefore, you may need to make some sacrifices for lower rates.
Aetna only provides Medigap Plans A, B, F, G, and N. Therefore, if you are looking for Plans C, D, K, L, or M, you will need to find a company that offers them. On top of that, Aetna does not offer its plans to all 50 states. Some states in which its plans may not be available include Alaska, Hawaii, Connecticut, Maine, Massachusetts, New York, Washington, and Washington, D.C.
If you need to compare plans similar to Aetna supplemental plans or others, enter your ZIP code into our free quote comparison tool below to compare Medigap rates from companies that provide coverage in your area.
Case Studies: Aetna Medicare Supplement Plans and Insurance Options
Case Study 1: Customer Complaints vs. Affordable Rates
Aetna Medicare supplement plans, also known as Medigap, cover the out-of-pocket costs associated with Medicare, such as deductibles, copayments, or coinsurance.
While Aetna provides plans at affordable rates, the company receives a higher-than-average number of customer complaints. This case study explores the trade-off between affordable rates and customer satisfaction in Aetna’s Medicare supplement plans.
Case Study 2: Obtaining Quotes and Filing Claims
This case study outlines the process of obtaining quotes for Aetna supplemental insurance plans and explains the claim filing procedure. It provides insights into how potential policyholders can easily obtain quotes and navigate the claims process with Aetna.
Case Study 3: Contacting Aetna for Information and Assistance
Customers seeking information or assistance with Aetna’s supplemental insurance plans can contact the company through various channels. This case study details the available contact options, including phone numbers, email, and mailing address, ensuring that individuals have the necessary means to reach out to Aetna.
Case Study 4: Considerations for Purchasing Aetna Supplemental Insurance
Aetna’s supplemental insurance plans offer affordability compared to competitors. However, the company only provides specific plans and may not be available in all states. This case study examines the factors individuals should consider when contemplating the purchase of Aetna supplemental insurance.
Frequently Asked Questions
What does Aetna’s Medicare supplement plans cover?
Aetna’s plans cover out-of-pocket costs of Medicare.
How much does Aetna Supplemental Insurance cost?
Aetna offers competitive rates compared to other companies.
How is Aetna rated?
Aetna has an A+ BBB rating but receives more customer complaints than average.
How do I get quotes or file claims with Aetna?
Get quotes online; healthcare providers handle claims.
How can I contact Aetna?
Call their customer service or use their email/mailing address.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.