2022 Aetna Medicare Supplement Plan G Review – Aetna Medigap Plan G Reviews
Aetna providers Medicare recipients with a number of options, and without question one of the most popular choices for individuals who are just aging into Medicare, as well as those who have been receiving benefits for a number of years, is Aetna Medigap Plan G. Why is that?
Aetna Medigap Plan G (Medicare supplement plan) Fills The Gaps That Original Medicare Can Create
A lot of consumers receiving Medicare benefits are surprised to find out a few years after signing up for Medicare Part A and Part B (or what is also called Original Medicare) that there can be a significant amount of out-of-pocket expenses associated with Original Medicare. Often many are surprised by what isn’t covered with respect to prescription drugs, or if someone has a significant hospital stay.
For a detailed analysis of what Medigap Plans F, G and N cover, please see our detailed article on Medicare Plan F, G and N.
Below you will find a detailed analysis and breakdown of what is included with Aetna Medicare Supplement Plan G.
Aetna Medicare Supplement Plan G (Medigap Plan G) Review For 2022
Here’s one tip that can be most helpful when first starting out when researching Medicare Supplement Plans and the various options available under a Medigap plan.
In all states, excluding Massachusetts, Minnesota, and Wisconsin, every Medigap plan is standardized.
What this means is that regardless of what insurance carrier is offering Medigap Plan G, all of the benefits are exactly the same from all insurance carriers offering Plan G. So unless you live in, MA, MN or WI, the plan benefits that Aetna offers under Plan G are exactly the same as what Humana offers.
We think that is quite helpful simply because it makes the process of determining what your best options are much easier. Because you do not have to do a side by side comparison of what carrier offers what benefits under Plan G, or Plan F, it often comes down to price and access to doctors and medical facilities.
Comparing Medigap Plan F vs. Plan G
Before 2020, Medigap Plans F and G were comparable, with one notable exception. Plan F covers the Part B annual deductible. Plan G does not. But Plan F isn’t an option to new enrollees anymore, thus making a comparison useless to you if you’re brand new to Medicare now. As of January 1, 2020, newly eligible Medicare enrollees don’t have access to Medigap Plan F.
But if you were eligible for Medicare before that date, you may still be able to enroll in Plan F. And for this reason, we’re leaving in our comparison of Plans F and G. Because if you do still qualify for Plan F and can find one available to you outside of your initial signup window, then it may be a good deal for you. Here’s a look at how these plans compare.
Medigap Plan G Covers:
- The deductible for Medicare Part A
- Coinsurance for Medicare Part A
- Hospital coverage for up to 365 days after Medicare benefits end
- Coinsurance or copayments for hospice care
- Coinsurance for skilled nursing facility care
- Coinsurance for Medicare Part B
- Medicare Part B excess charges
- The first three pints of blood in a medically necessary treatment
- Foreign travel emergencies up to plan limits
These are exactly the same benefits as Medigap Plan F, with, as we said above, one notable exception. Medigap Plan G does not cover the Medicare Part B deductible. In 2022, the Medicare Part B deductible is $233 for the year.
Monthly Costs For Medicare Plan G vs. Medicare Plan F
If you want to get accurate pricing from a variety of insurance carriers, we suggest you speak with a licensed Medicare professional. Because plans are standardized in all but three states, MA, MN and WI, there’s no reason to not have a licensed professional assist you. You’ll most likely save a lot of time, and potentially bypass a lot of the red tape that can slow down first-time enrollees.
Below are all of the Medicare supplement plans (Medigap plans) currently offered under Aetna and what each one covers.
Aetna Medigap Plan Coverage For 2018
|Benefits Provided||Medigap Plan A||Medigap Plan B||Medigap Plan F||Medigap Plan G||Medigap Plan N|
|Medicare Part A coinsurance and hospital costs (up to 365 days after Medicare benefits are used)||100%||100%||100%||100%||100%|
|Medicare Part B coinsurance or copayment||100%||100%||100%||100%||100%|
|Blood (first 3 pints)||100%||100%||100%||100%||100%|
|Part A hospice care coinsurance or copayment||100%||100%||100%||100%||100%|
|Skilled nursing facility care coinsurance||☒||☒||100%||100%||100%|
|Part A deductible||☒||100%||100%||100%||100%|
|Part B deductible||☒||☒||100%||☒||☒|
|Part B excess charges||☒||☒||100%||100%||☒|
|Foreign travel emergency (up to plan limits)||☒||☒||80%||80%||80%|
2018 Consumer Reviews And Ratings Of Aetna Medigap Medicare Supplement Plans
Over the course of 2017, HealthNetwork, the parent company of Medicare.net, emailed more than 5,000 medicare enrollees in order to obtain feedback on their experience with not only Aetna, but other insurance carriers providing coverage options under Medigap. HealthNetwork is a company that reaches more than 15 million health insurance households within the United states on an annual basis. In total Medicare.net received just over 200 responses regarding Aetna and their services with respect to Medicare Supplemental Insurance, specifically Aetna Medigap plans. In total the average consumer rated Aetna Medigap Plans with an aggregate score of 4.5 stars, out of 5 stars. The majority of plans used by those respondents were either Aetna Medigap Plan F, or Aetna Medigap Plan G. We will continue to update their star rating as we continue to do outreach to HealthNetwork members. Individuals are not compensated in any way for their participation. HealthNetwork (company) nor Medicare.net (website) nor any employee of HealthNetwork, has been compensated by any insurance carrier for collecting or publishing this information. This information is published without the permission or editorial overtsight of any insurance carrier.
Closing Thoughts Regarding Aetna Medigap Plans
As you continue exploring your options under both Original Medicare and a Medicare Supplement Plan (Medigap), as a first step we highly suggest that you speak with a licensed Medicare professional. There’s no risk in doing so, there is no commitment that has to be made immediately, and again one of the main reasons we highly suggest leveraging the services of a knowledgeable licensed professional, is simply because the Medigap plan pricing process is relatively quick. You can use the form below, or simply call our toll free number to connect with a licensed professional.