Aetna Medicare Supplement Plans 2024

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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 2023.

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 2023, 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.

By Mike Montes – Updated Jan 22, 2024
Reviewed by Lou Spatafore
Fact checked by Wiley Long

Aetna Medicare Supplement Reviews

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4.0
4.0 out of 5 stars (based on 9 reviews)
5 star45%
4 star33%
3 star11%
2 star0%
1 star11%

Easy to Navigate

March 2, 2024

Navigating Aetna’s Medicare Supplement Plans was surprisingly easy. The enrollment process was straightforward, and their online tools make managing my policy a breeze.

Porlie K

Affordable Excellence in Health Protection

December 17, 2023

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.

Jason L

I give it five stars

August 19, 2023

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

Jessica
Verified

Great customer service

June 5, 2023

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.

Mary S
Verified

Go with Medigap, not Medicare Advantage

January 11, 2023

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.

Sandra S
Verified