Aetna Medicare Supplement Review [2023]

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:

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:

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.

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