Aetna Medicare Supplement Review [2022]

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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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 14, 2022

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Quick Facts

  • 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:

Aetna Supplemental Insurance (Medigap) Plan Coverage Details
 Plan APlan BPlan FPlan GPlan N
Medicare Part A coinsurance100%100%100%100%100%
Medicare Part B coinsurance100%100%100%100%100%
Blood (3 pints)100%100%100%100%100%
Medicare Part A hospice care coinsurance100%100%100%100%100%
Skilled nursing facility coinsuranceNoNo100%100%100%
Medicare Part A deductibleNo100%100%100%100%
Medicare Part B deductibleNoNo100%NoNo
Medicare Part B excess chargesNoNo100%100%No
Foreign travel emergencyNoNo80%80%80%
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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:

Sample Supplemental Insurance (Medigap) Plan G Rates by Company
CompanyMonthly Premium for a 65-Year-OldMonthly Premium for a 75-Year-OldMonthly Premium for an 85-Year-Old
AARP$124$199$209
Aetna$117$146$200
Cigna$146$182$231
Humana$120$160$215
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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.

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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 Bbuy 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.

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