AETNA Medicare

4 based on 81 Reviews*

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

1-800-810-1437TTY 711

Based in Hartford, Conn., Aetna is the third-largest health insurance carrier, with an estimated total membership of health coverage of 23.5 million people, which includes its Medicare members. Among its products and services are: ACA-compliant medical, pharmacy and dental plans, behavioral health programs, life and disability policies and medical management programs.

2016 Aetna Medicare Plan Overview

Aetna provides Medicare Advantage plans, as well as supplemental insurance (Medigap) plans and Part D prescription drug plans. With Medigap, members have to pay deductibles and coinsurance costs. Medicare beneficiaries must choose either a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO) plan. Members can add or remove prescription drug coverage or buy separate PDPs for lower Aetna Medicare Advantage premiums.

10/21/2016 Update: Use the form below to obtain real time pricing for 2017 Aetna Medicare Supplement and Medicare Advantage Plans. Includes information regarding prescription drug coverage and co-pays. Please note that you will not be contacted by multiple parties. HealthNetwork respects your privacy and works very hard to ensure a quality consumer experience.

Aetna Medicare Advantage Plans Click Here To Get 2017 Pricing

The passing of Obamacare actually benefited Medicare Advantage, with enrollment increasing by 42 percent since the law’s establishment. While MA plans are primarily paid with federal funds, they are administered by private insurers. As of March 3, 2016, Aetna had 8.3 percent of the nation’s total Medicare Advantage enrollment of 18.2 million, representing 1,510,600 members. But this number could dramatically increase if the proposed Aetna-Humana merger is approved; together, the two companies would have approximately 4.7 million Medicare Advantage enrollees. Aetna MA plans offer beneficiaries Part A (hospital insurance), Part B (medical insurance) and the option of Part D.

Through its website, new, existing and prospective Aetna enrollees can compare a variety of policies and benefits. The website itself doesn’t offer specific plan overviews, but users can enter their ZIP code and name to review available plan options. Relevant information and videos is provided, as well. When reviewing available MA plans, you’ll find the coverage provided, costs, benefits, copays and limitations for each. You’ll also be able to include prescription drug coverage. You’ll also find that the majority of MA Plans feature affordable copay and coinsurance options. Among the more popular plans are:

  • Aetna Medicare Value Plan (HMO) – This HMO offers an affordable option for those without a preferred provider. You can pick a primary care physician, but you must stick with in-network providers and facilities to avoid out-of-pocket costs. It provides all of Original Medicare’s services prescription drug coverage is also available. The HMO’s benefits (which are the same for the PPO below) include:
    • Primary care visits
    • Specialist visits
    • Diagnostic tests
    • X-rays
    • Diagnostic radiological services
    • Inpatient hospital services
    • Emergency care
    • Outpatient surgery
    • Ambulance services
    • Outpatient mental healthcare
    • Home healthcare
    • Skilled nursing facility (SNF) visits
    • Diabetes programs
    • Preventive care
    • Annual physicals
    • Fitness membership
    • Telemonitoring (remote healthcare)
    • Discounts for hearing aids, vision and dental
    • Durable medical equipment (DME) — meant for home use, long-lasting and medically prescribed and necessary
  • Aetna Medicare Standard Plan (PPO) – With this PPO, you can visit out-of-network providers and facilities, but there may be additional costs. And, members don’t have to select a primary care physician. This PPO shares the HMO’s benefits, although certain extras, such as vision, dental and hearing benefits, are not available.
  • Stand-alone prescription drug plans – The carrier offers these PDPs, which are ideal for those who already have Original Medicare. But you should know that these plans have higher monthly premiums.
  • Aetna CVS/Pharmacy Prescription Drug Plan – This PDP is designed for beneficiaries with Original Medicare who require different, multiple and generic drugs every month.
  • Aetna Medicare Rx Premier Plan – With this Prescription Drug Plan, members don’t have to pay an annual deductible. You can also visit any pharmacy for your drugs, as long as it’s within the network.

As of Dec. 31, 2015, Aetna’s healthcare network included a wide array of national and international professionals and facilities. This includes: almost 700,000 primary care doctors and specialists; an estimated 1.1 million health care professionals; and 5,664 hospitals. In addition, the company has long enjoyed strong financial strength and support, enabling it to meet its customers’ needs. And, the carrier continually ranks high in terms of customer satisfaction and variety of options.

Aetna Medicare – Updated For 2016

One particularly bright spot has been government policies, including Medicare Advantage and Medicaid plans. The company offered its first Medicare policy back in 1966. Today, Aetna Medicare insurance policies are offered in all 50 states, including Part D (Prescription Drug plans; PDPs).

If you have any questions at all, don't hesitate to call and speak with one of our healthcare professionals. Available 24/7 at 1-800-810-1437TTY 711

Aetna also provides Medicare Advantage (Medicare Part C; MA Plans) plans, which are private insurance policies. A recent focus for consumers has been how Aetna’s MA options may be impacted by a proposed merger between Aetna and Humana, the second-largest MA Plan provider (and the fourth-largest carrier overall). Should this merger be approved, the new company would provide more seniors with Medicare Advantage coverage than any other health insurance carrier within the USA.

Aetna Medicare Advantage Plans Click Here To Get 2017 Pricing

Aetna Medicare Plans

HMO

AETNA Medicare Value Plan HMO

The Medicare Value Plan can be purchased with or without prescription drug coverage. With this HMO, you pick a primary care physician and must stay within your network for all of your medical needs if you want to avoid out-of-pocket costs. As a standard plan, it includes all of the services under Original Medicare and also has a few extras.

Some of the benefits included with the Medicare Value Plan are:
  • Primary care physician visits
  • Specialist visits
  • Diagnostic tests
  • X-rays
  • Diagnostic radiological services
  • Inpatient hospital services
  • Emergency care
  • Outpatient surgery
  • Ambulance services
  • Outpatient mental health care
  • Home health care
  • Skilled nursing facility visits
  • Durable medical equipment
  • Diabetes programs
  • Preventive care
  • Annual physicals
  • Fitness membership
  • Telemonitoring
  • Discounts for hearing aids, vision and dental

Overall, AETNA’s HMO plan is a great option if you want to save money and don’t currently have a preferred provider you want to keep. If you decide to get the HMO and currently have a doctor, you would need to check that this doctor is in AETNA’s network. Otherwise, you would have to switch to a doctor that is in AETNA’s network to avoid out-of-pocket costs.

PPO

AETNA Medicare Standard Plan PPO

The AETNA Medicare Standard Plan is a preferred provider organization. This means that you can see doctors and facilities out of your network, but you may have to pay additional costs to do so. You do not have to pick a primary care physician either.

Benefits included are the same as above, without extras like vision, dental and hearing:
  • Primary care physician visits
  • Specialist visits
  • Diagnostic tests
  • X-rays
  • Diagnostic radiological services
  • Inpatient hospital services
  • Emergency care
  • Outpatient surgery
  • Ambulance services
  • Outpatient mental health care
  • Home health care
  • Skilled nursing facility visits
  • Durable medical equipment
  • Diabetes programs
  • Preventive care
  • Annual physicals
  • Fitness membership
  • Telemonitoring

Overall, this plan is beneficial for those who may want to see doctors and specialists who are outside of AETNA’s network. However, it’s at an extra cost. If you aren’t sure if you want that flexibility, you should think about the doctors and facilities you visit now and see if they are included in AETNA’s network before making a decision.

PDP

AETNA stand-alone Prescription Drug Plans

AETNA also has plans that are just for people who need prescription drug coverage. If you currently have Medicare Part A and Part B, you can add stand-alone Part D coverage. These plans do have a higher monthly premium, though.

PDP

AETNA CVS/Pharmacy Prescription Drug Plan

This plan is a good choice if you have Original Medicare and need different types of drugs every month that are generic.

RX

AETNA Medicare Rx Premier Plan

This plan is a better choice if you don’t want to pay an annual deductible and like being able to go to any pharmacy for your drugs. You can visit any pharmacy to purchase drugs, as long as it’s AETNA’s network.

Overview of AETNA Medicare

AETNA provides Medicare Advantage plans, also known as Medicare Part C plans. These plans combine Part A (hospital insurance), Part B (medical insurance) and sometimes Part D (prescription drug coverage). AETNA also offers Medicare Part C and supplemental prescription drug coverage. This means that you can purchase prescription drug coverage separately if you want a lower premium for Part C.

AETNA provides Medigap supplemental plans, as well. These plans work if you have Original Medicare Part A and B, but you also need help to pay for costs like deductibles and coinsurance.

While AETNA provides only two different types of Medicare plans, HMOs or PPOs, you can add drug coverage or remove drug coverage. This allows you to lower costs if you don’t want prescription drug coverage or if you want to purchase a stand-alone Part D plan. This is less convenient than PFFS (Private Fee-for-Service) plans. However, AETNA gives you the freedom to go out-of-network with its PPO plan, although the copays and coinsurance costs are higher.

Before comparing AETNA’s plans, you should get your prescription drug information ready. But if you don’t have prescription drugs yet and want coverage, you’ll need to answer questions in order to see the benefits of those plans added to your search results in AETNA’s Medicare Advantage plan finder.

If you have any questions at all, don't hesitate to call and speak with one of our healthcare professionals. Available 24/7 at 1-800-810-1437TTY 711

Getting Medicare with AETNA

To get Medicare through AETNA, you can browse plans online. Unfortunately, AETNA doesn’t really have an overview of the specific plans that they offer. Instead, you can use AETNAMedicare.com to view the types of plans, including those specific to your area. You simply type in a ZIP code and your name to load what types of plans may be available for you.

AETNA’s system isn’t the most friendly if you’re looking for a quick quote and comparison. Once you click “Submit,” a new page loads with the types of Medicare Advantage and Medicare supplemental plans, along with some more information. While AETNA does a great job of providing information and videos to the consumer, clicking on “See plans and costs” does not take you to page providing plans, costs and ways to compare different plans. This is in contrast to other major health providers, like Humana, that make it easy to price and compare Medicare Advantage plans.

With AETNA, once you click on “See plans and costs,” you are instead taken to an online questionnaire with multiple parts. The questions ask for: your age, health conditions, prescription drug names and preferred pharmacy. While you can click “Skip This Step” at the bottom to avoid entering this information, it would be much easier if the plans simply loaded.

At the end of the questionnaire, AETNA displays available plans for you. Most likely, you will be provided with a few plans to choose from in Medicare Advantage and a few plans as stand-alone prescription drug coverage. However, if you didn’t enter in any drug information, it won’t calculate your drug costs as part of the plan comparison.

Some of the plans offered by AETNA include:
  • AETNA Medicare Value Plan (HMO)
  • AETNA Medicare Standard Plan (PPO)
  • AETNA CVS/Pharmacy Prescription Drug Plan
  • AETNA Medicare Rx Premier Plan

These plans can be purchased with or without drug coverage. If you want to compare plans automatically with drug coverage, you need to enter your drug information during the questionnaire in AETNA’s plan finder. Otherwise, you can click “add drugs” to any plan, you will then have to add your drug information again.

Each plan’s coverage, costs, benefits, copays and limitations are listed under “See Benefits” for each plan. Most AETNA plans have affordable copay and coinsurance options. With a network of 380,000 doctors and hospitals across the United States, it’s likely that your preferred caregiver will be in the network.

What does Medicare Advantage Cost in Your Area?

Benefits and Costs of AETNA Medicare

AETNA provides HMO, PPO and PDP plans with a Medicare contract. To see the benefits of each plan, you’ll first need to go through the plan finder to load the specific plans for your service area. You cannot see any Medicare plans offered by Medicare otherwise.

While not all health services are covered by these plans, they do include extra discounts for dental, vision, wellness and hearing. The following breaks down some of the popular plans offered through AETNA. Most plans are similar in cost and benefit in different states. But to compare plans specifically for your area, you may want to visit AETNAMedicare.com.

Inside the Aetna-Humana merger

The merger between Aetna and Humana, which was first announced back in July 2015, would have a major impact on the health insurance industry, if it’s passed. Among the various bodies requiring approval are: Aetna and Humana shareholders; individual states’ insurance regulators; provider groups (the American Medical Association, the American Hospital Association); and federal agencies and requirements.

According to Aetna’s chairman and CEO, Mark T. Bertolini, the merger will benefit the health industry, in general. “This combination will allow us to continue to invest in excellent service for our members and strengthen our partnerships with providers to deliver high quality care at an affordable price. We have great respect for Humana, their talented team, their culture and their strong medical management capabilities.” He continues, “We look forward to working with them following the closing, as we enhance our combined portfolio of innovative health care offerings to provide significant benefits to consumers, employers and providers, and to continue delivering value for our shareholders.”

Indeed, if the merger succeeds, it would result in the second-largest managed care company for seniors, as 3.2 million of Humana’s Medicare Advantage enrollees would be incorporated. In total, the new company would have approximately 33 million members. For 2015 alone, the estimated revenue was $115 billion, with about 56 percent coming from government-sponsored programs, like Medicare and Medicaid, the federal insurance for low-income individuals and families.

It is unknown whether the merger will result in lower Medicare Advantage prices for consumers, although if it does, enrollees will have the opportunity to switch their coverage to Original Medicare, which currently provides coverage to two-thirds of all seniors. “This keeps downward pressure on prices and upward pressure on quality,” stated Kristine Grow, Aetna spokeswoman. “There will continue to be significant competition in Medicare Advantage, with many health plans and other new industry entrants.”

AETNA Medicare Rating

AETNA Medicare Insurance Review

AETNA is one of the oldest health insurance companies in America. Founded in 1853, the health insurance provider has its headquarters in Hartford, Connecticut. In addition to providing Medicare Advantage and supplemental health insurance plans, AETNA also provides: health insurance, dental insurance, pharmacy insurance, disability insurance and group life insurance. With over 18 million health insurance policies in the U.S., AETNA has a large customer base and offers Medicare insurance policies in all 50 states.

While many insurance companies have mediocre financial strength, AETNA has strong financial strength indicators that show it can support its large customer base and pay all of its obligations. AETNA ranks well in customer satisfaction and variety of options. Its interface for customers to purchase Medicare Advantage Plans is also easy-to-use and available online. This means that you can compare plans and see different benefits.

AETNA’s Medicare quality rating scores are quite high, with mostly 4 out of 5 stars. While they don’t have any five-star plans, the company ranks high in:

  • Customer satisfaction
  • Health plan quality
  • Prescription drug plan quality
  • Long-term care services.

As a large health insurance provider, AETNA has only two Medicare Advantage plans for most states, and neither have very high premiums. This makes it easy to choose a plan, but if you are looking for a PFFS, you won’t find one with AETNA insurance. The copays are affordable, and prescription drug coverage can be included at very little cost with a HMO or PPO plan. The costs for the prescription drug coverage as a stand-alone plan is a little bit more expensive than competitors, like Humana.

Overall, AETNA is a leading provider of health insurance and has a much larger network than many of the other insurance carriers. This means that if you chose the HMO plan, you most likely would be able to pick the doctor of your choice and go to a variety of facilities for care. With excellent customer service and a plan finder that tailors plans based on your age and health, AETNA likes to give a more personalized experience to their customers. It’s clear that they have thought about the types of customers searching for Medicare plans and cost comparisons.

Speak with an Agent now. 1-800-810-1437TTY 711


*Star Rating
The star rating listed above is reflective of results of consumer polling from individuals who have used in the past and or currently use that carriers medicare plan. These do not reflect star ratings that have been assigned to each individual carriers plan by CMS. For detailed information about each plans CMS star rating please visit Medicare.gov.

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