Aetna Medicare Supplement Plans 2023


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aetna-msp (1)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.

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 2022.

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 2022, 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.

Aetna Medicare Supplement Plans

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.

Aetna Medicare Supplement Reviews

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3.5
Rated 3.5 out of 5
3.5 out of 5 stars (based on 4 reviews)
5 star25%
4 star50%
3 star0%
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1 star25%

Not the cheapest. But maybe the best

Rated 4 out of 5
November 1, 2022

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.

Tina M
Verified

Aetna came through for me!

Rated 5 out of 5
September 19, 2022

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.

Rita, B
Verified

Aetna - not glad I met ya.

Rated 1 out of 5
July 14, 2022

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.

Monica R
Verified

No more narrow networks for me

Rated 4 out of 5
May 8, 2022

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!

Erica, M
Verified