Aetna Medicare Supplement Plans 2026
Aetna Medicare supplement plans include Medicare Advantage plans, Medicare supplement plans, and Part D prescription drug plans. Aetna has the distinction of being one of the most diversified health care benefit companies, and Aetna Medicare products serve millions of Medicare recipients across the country.
Options on Aetna Medicare Supplement Plans
Medicare leaves gaps when it comes to coverage, which is where Aetna Medicare supplement plans, also known as Aetna MediGap plans, come in. Aetna offers a variety of plans, which are labeled by the letters A, B, C, D, F, G, K, L, M, and N.
- Plans that cover 100% Medicare Part A coinsurance and hospital costs up to an extra year after Medicare benefits are used:
- Plans A-N
- Plans that cover 100% Medicare Part B coinsurance or copayment: Plans A-G, M, and N
- Plans K and L cover 50% and 75%, respectively.
- Plans that cover 100% of the first 3 pints of blood: Plans A-G, M, and N
- Plans K and L cover 50% and 75%, respectively.
- Plans that cover 100% of Part A hospice care coinsurance or copayment: Plans A-G, M, and N
- Plans K and L cover 50% and 75%, respectively.
- Plans that cover 100% skilled nursing facility care coinsurance: Plans B-G, M, and N
- Plans K and L cover 50% and 75%, respectively, while A and B do not cover it at all.
- 100% of Part A deductible: Plans B-G, and N
- Plans K, L, and M cover 50%, 75%, and 50%, respectively, while A does not cover it at all.
- 100% of Part B deductible: Plans C and F only
In order to see rates available in your area on Aetna Medicare supplement plans, just use our instant insurance quotes system.
Additional Products to Aetna Medicare Supplement Plans
In addition to the lettered Aetna MediGap plans, Aetna offers supplemental insurance products in their Protection Series. It consists of plans for Cancer and Heart Attack, Stroke, Recovery Care, and Home Care Plus indemnity.
They also have a Final Expense plan that can help cover costs like caskets, transportation, funeral service, last debts, and more. With this plan, the benefits will be paid to whoever the policyholder picks.
We’ve helped people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Robert N. (CO)
“I look forward to having MediGap Advisors help me sail the uncharted waters I will be experiencing during the next year or so with regard to Medicare coverage.
I especially would like to thank Misty for her help the last several years. She deserves many accolades, in my book.”
Janice B. (VA)
“Mike always answers all my concerns thoroughly. That’s why I stay with him for all of our Medicare needs.”
Aetna Frequently Asked Questions (FAQs)
Who is eligible for Medicare supplement insurance?
You may be eligible for Medicare supplement insurance if:
- You are age 65 or older
- You have a qualifying disability for which you have been receiving Social Security Disability Insurance (SSDI) for more than 24 months
- You have been diagnosed with end-stage renal disease (permanent kidney failure requiring a kidney transplant or dialysis).
What MediGap plans does Aetna sell?
Currently, Aetna sells plans A, B, F, G, a high-deductible Plan G, and N.
Plan F is not available to new enrollees.
They do not sell plans C, D, K, L, or M. If you’re looking for one of these other plans, contact MediGap Advisors for a recommendation.
Does Aetna Medicare supplement insurance cover skilled nursing care?
Aetna sells three plans to new enrollees that help pay for skilled nursing and rehab care for up to 90 days following a qualifying hospitalization: Plans D, G, and N. Aetna also operates Plan C and F, which also cover Medicare-qualifying skilled nursing and rehab care. But those two plans are closed to new enrollees.
Neither Medicare nor Medicare supplement insurance covers long-term custodial care for chronic conditions. To pay for that, you may want to consider long-term care insurance, or a hybrid life and long-term care insurance policy.
Does Aetna have a high-deductible Medicare supplement plan available?
Yes. It’s a variation of Plan G, which is a comprehensive Medicare supplement plan that covers all out-of-pocket costs for Medicare-qualified services except for the Part B deductible, which is $233 as of 2025.
Plan G is the most comprehensive Medicare supplement plan available to new enrollees. It also has the highest premiums. But you can pay a much lower premium with the high-deductible Plan G. As of 2025, the annual deductible for this plan is $2,490.
Once you meet that deductible for the year, the high deductible Plan G will pay all your out-of-pocket costs for Medicare-approved services. The $233 deductible for Part B will still apply.
Have more questions?
If you have more questions about how Aetna MediGap plans work, please call us toll-free at 800-913-3416. An MGA Personal Benefits Manager will be standing by to help you with whatever you need.
Reviewed by Lou Spatafore
Fact checked by Wiley Long
Aetna Medicare Supplement Reviews
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Affordable and Reliable
The premiums are reasonable compared to what I was paying before. I feel confident knowing I’m covered for unexpected events. I recommend Aetna for anyone looking for value and stability.
Smooth Enrollment
I was pleasantly surprised by how easy it was to get started with Aetna. The website was clear, and customer service walked me through my options. It gave me peace of mind right away.
Good Wellness Benefits
Aetna offers nice perks like wellness discounts and preventive care. I like knowing they care about keeping me healthy, not just covering me when I’m sick. That makes a difference.
Clear Explanations
They take the time to explain how coverage works. I didn’t feel confused about deductibles and copays. That clarity helped me feel confident in my choice.
Helpful Customer Service
The phone reps were patient and answered all my questions. They didn’t rush me or push me into something I didn’t need. It felt like they truly cared.
Best decision I made
Aetna Medicare Supplement takes care of everything. I’m so happy with the coverage, and I’ve never had a single claim denied.
Great for my health needs
I’ve had no issues with Aetna’s Medicare Supplement. It covers my visits, tests, and medications with ease. I feel secure in my healthcare choice.
Easy claims
I’ve been happy with Aetna’s coverage. Most things are handled without hassle, though I’ve had a few delays in processing claims.
Too expensive for the benefits
The premiums are high, and I don’t feel like I’m getting much value in return. Aetna’s Medicare Supplement leaves much to be desired.
Highly recommend Aetna!
Aetna’s Medicare Supplement has been worth every penny. No surprises, just excellent coverage and straightforward service.
Fantastic coverage and support!
Aetna’s Medicare Supplement has been a great experience. Every bill has been covered, and their customer service is always friendly and quick to help.
Comprehensive coverage and stability
Considering the comprehensive coverage and stability of premiums, I find Aetna’s Medicare Supplement Plans to offer excellent value for money. The peace of mind knowing that my healthcare needs are covered is genuinely priceless.
Value for money
Considering the comprehensive coverage and stability of premiums, I find Aetna’s Medicare Supplement Plans to offer excellent value for money. The peace of mind knowing that my healthcare needs are covered is truly priceless.
Easy to Navigate
Navigating Aetna’s Medicare Supplement Plans was surprisingly easy. The enrollment process was straightforward, and their online tools make managing my policy a breeze.
Affordable Excellence in Health Protection
Aetna has struck the perfect balance between affordability and excellent healthcare coverage. The plans offer incredible value for the cost, making it accessible for retirees like us. We appreciate that Aetna understands the financial concerns that come with aging and has tailored plans that provide top-notch coverage without breaking the bank.
I give it five stars
I never have a problem finding a doctor who takes Aetna Medigap. I’ve had plans where I could only choose from one or two doctors in town and they were never that good always overworked and understaffed with long wait times but now i can pick the best doctors, not just the ones the insurance company picks. I get much better care now. Definitely recommend Aetna medigap thank you
Great customer service
My husband had a lot of health issues and a lot of medical bills before he died. It wasn’t easy, but Aetna took great care of us. They have a customer service number that’s available 24 hours a day, and that’s a big help when that’s the only time you have to go over bills and call with questions. All the customer service people were very helpful and understanding so thank you Aetna.
Go with Medigap, not Medicare Advantage
We had an Aetna Medicare Advantage plan until a few years ago. But after they denied a claim, my broker suggested we switch to Medigap. Which is apparently a different system. My agent at Medigap Adivors told me that with Medicare Advantage, it’s the insurance company that decides whether to pay the claim. But with Medigap, it’s Medicare that decides, and Medigap insurance company has no choice but to pay their share – your deductible or Part B coinsurance, or whatever.
made the switch to an Aetna Medigap plan and have had no problems since then.
Not the cheapest. But maybe the best
Aetna’s not the cheapest option around. Other companies offer more discounts and perks. But My husband and I have both had major surgeries since joining their Medigap plan and we didn’t get any hassles. They even paid the bill we got from the physician that we had to submit later, no problem.
We’re planning on keeping Aetna.
Aetna came through for me!
I bought an Aetna cancer policy from my employer about five years ago. Two years ago I got diagnosed with Hodgkin’s Lymphoma. The policy paid out – and the cash was invaluable because I had money to pay for all the little things that health insurance doesn’t cover, like travel costs, hotel bills, and missed work.
But I was nervous when I retired and I had to sign up for Medicare last year, because they already knew I had cancer and wasn’t cancer-free yet. I thought they would turn me down.
It didn’t matter. As long as I enrolled during my initial open enrollment period, I couldn’t be turned down, I found out. So they enrolled me.
I had to have a hip replacement earlier this year. My Plan G covered everything except my $233 coinsurance on my doctors bill part B.
Aetna - not glad I met ya.
My husband got pre-approved for surgery. Or so we thought. But then once the hospital submittet the bill they started to nitpick and 2nd guess us. After a few stressful rounds back and forth between us, the doctor, and Aetna, they decided it “wasn’t medically necessary” and denied it.
We’re appealing. But we already had a pre-authorization. We shouldn’t have to go through this. Can’t wait for open enrollment.
No more narrow networks for me
I switched out of a Medicare Advantage HMO to Aetna’s Medigap program last year and I’m glad i did! The Medicare Advantage plan had me trapped in a narrow network. I wasn’t happy with the hospital, and I couldn’t choose my own doctor.
My new Aetna Medigap plan lets me see the doctor I want – no matter where he is on the map!