Medicare Advantage

Aetna Medicare Advantage & Aetna Medigap Plans

For more information on Medicare, please call the number below to speak with a healthcare specialist:

1-800-810-1437 TTY 711

Aetna Medicare Advantage Overview

Aetna offers Medicare Advantage plans with and without prescription drug coverage, and the company also provides Part D (prescription drug) plans and Medigap coverage. Subsidiaries and affiliates, which often offer their own unique product lineups, include Coventry, First Health and Meritain. Aetna’s lineup of Medicare Advantage plans includes PPO, HMO and PDP products. Availability varies among service areas.

In 2017, Aetna had an adjusted revenue of $60.7 billion and served 22.1 million members with medical plans. Those plans included Medicare, Medicaid, individual and group health plans. Additionally, 13.1 million people subscribed to pharmacy plans, such as Medicare Part D coverage, through Aetna.

Aetna’s Medicare Advantage individual plans are available in over 900 counties throughout the United States. The company is also the largest provider of Medicare Advantage plans in Alaska.

2019 Aetna Medicare Advantage Plans

About 7 percent of the country’s 19 million Medicare Advantage enrollees received coverage through Aetna in 2017. The company’s 2018 figures showed a Medicare Advantage enrollment total of over 1.7 million people and a Medigap enrollment total of about 748,000 people. Additionally, more than 2.1 million people had standalone Part D plans through Aetna, and over 1.2 million people received drug benefits through a Medicare Advantage plan.

  • In 2018, Aetna offered plans with a CMS rating of 4.0 or higher in 91 percent of its Medicare service areas.
  • CMS gave the company’s Medicare Advantage Prescription Drug plans an average rating of 4.0 stars.
  • Of Aetna subscribers, 87 percent chose a plan with at least 4.0 stars.
  • A.M. Best gives Aetna a Financial Strength Rating of “A.”The company also has a Long-Term Issuer Credit Rating of “A.” 

Comparing Aetna Medicare Advantage Options

Aetna sells a variety of Medicare products, and you can find Aetna Medicare plans in most states.

Medicare Advantage availability varies based on zip code. That’s why it’s important to get a get a quote based on where you live. What’s available to you might not be available to your cousin who lives three hours north in the same state. Getting a personalized quote is the best way to find out which plans you can buy (from any company).

Comparing Aetna Medigap Plans

If you want or need to keep original Medicare, you may need supplemental coverage to cover some out-of-pocket costs. That’s where Medigap (aka Medicare supplement insurance) comes in handy. There are 10 plan types, labeled A through N. These plans vary by letter but not by type. In other words, all Medigap Plan F plans will cover the same benefits as all other Plan F plans, regardless of where you buy that plan or who sells it.

Aetna Medigap 2019

Cost, customer service and company reputation are among the factors that differentiate Medigap plans from the various companies that sell them. Some companies may also let you add extra benefits to a standardized Medigap policy. But know that these aren’t standardized benefits and usually cost more because they’re considered “riders” (add-ons) to the plan.

Medicare supplement policies are standardized at the federal level in every state except Massachusetts, Minnesota and Wisconsin, which standardize their plans differently. Aetna sells five plan types nationwide: A, F, high-deductible F, G and N. Additional plans may be available in other states.

Aetna Medigap Plan A

Since it’s the basic Medigap plan, Plan A only covers four benefits. Aetna Medigap Plan A could fill a few gaps in your original Medicare coverage. All Medigap policies, including Plan A, cover these four basic benefits:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part B coinsurance or copayment
  • The first three pints of blood

Aetna Medigap Plan B

Medigap Plan B from Aetna covers one additional benefit that Plan A doesn’t, and that’s the Medicare Part A deductible. In 2022, that deductible is $1,556 per benefit period. You can’t predict how much you’ll have to pay for hospital care in a year, but it may be comforting knowing that the deductible and coinsurance rate would both be taken care of under Medigap Plan A. You’ll find the following benefits under Medigap Plan B:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • The first three pints of blood

Aetna Medigap Plan C

Note: As of January 1, 2020, newly eligible Medicare members cannot enroll in Medigap Plan C.

Aetna doesn’t sell every plan in every state. That includes Medigap Plan C, which is only offered in a few states. Medigap Plan C covers a broader range of benefits than Plans A or B, and it comes with a higher price tag. The higher cost, though, includes more benefits. Under Medigap Plan C, you’ll find coverage for:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

Note that Plan C is one of two Medigap policies that cover the Medicare Part B deductible (Plan F is the other). Both of these plans have been eliminated for new members as of January 1, 2020. You may still be able to buy Plan C or Plan F from Aetna and other companies if you were eligible before 2020, and you can keep it if you already had it in place. But Plans C and F have been eliminated, which means costs could go up as fewer people have these plan types.

Aetna Medigap Plan D

Vermont residents also have the option to buy Medigap Plan D from Aetna. This plan covers the same benefits as Plan G except for the Part B excess charges, which only Plans F and G cover. This plan covers:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

Aetna Medigap Plan F and High-Deductible F

Note: As of January 1, 2020, newly eligible Medicare members cannot enroll in Medigap Plan F.

Medigap Plan F has long been considered among the best values in Medicare supplement policies because it covers every benefit Medigap offers. Plus, many companies price Plan F competitively. Medigap Plan F covers:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

Because it covers the coinsurance for original Medicare (Parts A and B) as well as the deductibles and Part B excess charges – which is the difference between what your plan covers and what a non-Medicare-contracted doctor charges for care – Medigap Plan F would leave you with virtually no out-of-pocket responsibilities beyond the premium for the plan itself. If you need a lot of medical care, Plan F is a great value. Do keep in mind, though, that this plan type has been eliminated as of 2020.

There’s also a high-deductible version of Plan F under Medigap. It covers the same benefits as regular Plan F, but you have to meet a high deductible before the benefits pay out. That deductible is set at the federal level and changes each year. The tradeoff is that you’ll have a much lower premium. When you’re shopping for Medigap plans, compare the cost of Plan F with high-deductible Plan F to see if it’s worth the cost savings to have a deductible.

Aetna Medigap Plan G

If you want the benefits of Medigap Plan F but don’t want to buy a plan that will be eliminated next year, consider Medigap Plan G from Aetna. Plan G covers everything that Plan F covers except for the Medicare Part B deductible. In 2022, the Medicare Part B deductible is $233. Aetna Medigap Plan G covers:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

Aetna Medigap Plan N

Aetna also sells Medigap Plan N, which covers most Medigap benefits. In fact, it’s similar to Medigap Plan G except that it requires a copay for some Part B services and doesn’t cover the Part B excess charges or deductible. These differences make Plan N less expensive than Plan G. Medigap Plan N covers:

  • Part A coinsurance and hospital costs (up to an extra 365 days after Medicare hospital benefits get used up)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

As we mentioned, Plan N also requires some cost sharing for Part B. With this plan, you’ll have a copay of up to $20 for regular office visits and a copay of up to $50 for trips to the emergency room that don’t lead to inpatient admission.

Have Questions? Need Answers? We Can Help!

Not sure which plan you should go with, or whether you need original Medicare or Medigap? Let us help. We’re Medicare experts, and we can guide you to the right plan for your needs. Get your personalized quote today to see which options will work best for you. We always respect your privacy and your time, and your experience with Medicare.net and any HealthNetwork partner is extremely important to us. As an organization we would not have reached an audience of more than 15 million (USA) households, if we didn’t. These are individuals just like you, who trust us to help them navigate their medicare options, which can be extremely confusing. You can reach a professional (USA based) licensed Medicare professional by calling our toll free number or using the form below to schedule an appointment.