Medicare Supplement Plans Offered By Aetna
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Aetna Inc. is an American managed health care company that sells traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans, primarily through employer-paid (fully or partly) insurance and benefit programs, and through Medicare.
In November of 2018, CVS finalized its acquisition of Aetna. As a result, their stock is now traded publicly on the NYSE under the stock symbol CVS. Aetna is headquartered in Hartford. CT. The company offers various health insurance products such as medical, dental, pharmaceutical, long-term care, disability, and Medicare supplement plans.
Aetna Medicare Supplement Plans are offered by Aetna through one of their subsidiary companies. Depending on what state you are in you will see either Continental Life of Brentwood Tennessee, American Continental, Aetna Health and Life, or Accendo. All of these companies are owned and operated by Aetna / CVS.
Agent Tip
Medigap plans are standardized in all states except Massachusetts, Minnesota, and Wisconsin. These states have their own unique Medigap plans.
With all of Aetna’s Medicare supplement plans you get:
- 30 day free look period
- 12-month rate guarantee
- Guaranteed renewable for life
- Freedom to choose doctors who accept Original Medicare
- Portable coverage (can go to any provider who accepts Medicare)
- Household discount (where available)
Aetna Medicare Supplement Plan F
| Medicare Benefits | Plan F Coverage |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | 100% |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
Plan F provides coverage on what Medicare does not cover in full. The hospital deductible, office visit copays, skilled nursing costs, and excess charges are all covered at 100%. Plan F is the most comprehensive Medicare supplement plan available. With Aetna Plan F you can see any doctor or hospital that accepts Medicare.
Plan F is offered by Aetna and covers everything that Original Medicare does not pay in full. As long as you go to a Medicare-approved provider you will not have to pay anything out of pocket and as long as the services are Medicare eligible. As you can probably imagine, the plan that covers the most is also going to cost the most in premium. There is no exception with plan F, it is the most expensive supplement plan on average, compared to the other plans available.
The chart below shows exactly what Plan F covers in comparison to the other Medigap plans available.
Aetna Medicare Supplement Plan G
| Medicare Benefits | Plan G Coverage |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
The Aetna Plan G is a top choice among our clients. Folks who buy an Aetna Medicare Supplement Plan G pay a fixed monthly premium and an annual deductible of 2024 per year at the doctor’s office. There are no copays with Plan G at the doctor or specialist.
Plan G is identical to plan F, the only exception is that the Part B deductible is not covered. This deductible is $240 for 2024. With a Plan G, the most you would pay out-of-pocket for the year is the $240, as long as you go to a doctor or hospital that accepts Medicare and the services are Medicare eligible.
The chart below highlights the coverage offered with Plan G.
Aetna Medigap Plan G Coverage:
- 100% coverage in the hospital
- 100% coverage for skilled nursing
- 100% coverage at the doctor after fixed deductible of $240 in 2024
- 100% coverage for Part B excess charges
- No copays or coinsurance costs
- Foreign travel up to plan limits
- Ability to see any doctor or hospital that takes Medicare, anywhere in the country
Aetna Medicare Supplement Plan N
Plan N from Aetna is also a great choice. The difference in coverage between plans G and N are shown below in the chart. You will see that plan N has an asterisk in the “Medicare Part B coinsurance or copayment” box. This means there is a copay when you see a doctor. The copay is between $0 – $20. In addition, the Part B deductible is not covered, just like Plan G.
*The office visit copayments do not count towards the Part B deductible.
| Medicare Benefits | Plan N Coverage |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | $0-$20 Office Copay |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | X |
| Foreign Travel Emergency (up to $50k) | 100% |
The copay at a doctor’s (including a specialist) office is up to $20. Also, there is a $50 copay at the emergency room but this is waived if you are admitted. In addition, Part B excess charges are not covered on plan N, these charges can be easily avoided if you simply go to a provider that takes “Medicare assignment.”
Continue reading: How much do Medicare Supplements plans increase?
Call us if you have any questions regarding plan N – (800) 208-4974, we would be happy to answer them!
What Are The Average Costs for A Plan With Aetna?
The monthly premium for an Aetna Medigap plan will vary depending on where you live, your age, and in most states, your gender.
We recommend getting a personalized quote from a licensed agent but to give you an idea below are some average costs:
Plan F:
Between $125-$200 per month.
Plan G:
Between $90-$140 per month.
Plan N:
Average Between $75-$125 per month
These figures are just to give you an idea. There are many factors involved such as tobacco use (in some states) and potential discounts that could affect the price as well. These prices do not include the cost for Medicare Part B or a stand-alone Part D drug plan.
Agent Tip
Pricing varies depending on your location, age, and gender. For a customized quote call us directly at 800-208-4974.
Aetna Medicare Supplements Plans 2023
Aetna will be offering Medigap plans F, G, and N in 2023. Plan F will not be available for folks who are turning 65 after January 1st, 2020. Those who were eligible for Medicare prior to Jan. 2020 can still purchase a Plan F. Plans G and N will be available.
With Plan F being discontinued for folks new to Medicare, plans G and N will be the most popular options.
To get free quotes on Aetna Medicare supplement plans or if you wish to enroll, simply call us direct at (800) 208-4974. We would be happy to help you with your decision. We are a unique insurance agency dedicated to assisting folks with Medicare. Learn how we are different here.
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
My mother turns 91 tomorrow and fortunately has had no major illnesses or hospitalizations save childbirth 60 years ago After a minor heart attack last year she must now take a few medications. She has been covered by Aetna Medicare Supplement F for a long time and now wants to know what other options she has regarding coverage for pharmaceutical medications. I do not see a policy of the three described that has any pharmacy coverage so expect she may be in the best policy. Please confirm this or offer advice so I may answer her questions and help resolve this issue. We are in Texas.
Hi John,
For RX coverage she would need a separate Part D policy. If you are unsure if she has one she can call 1-800-MEDICARE to check.
My wife turns 65 in January and smokes. Would she be able to sign up for the Plan G other than smoking pretty healthy.
Hi Bob,
Yes, she can. No health questions when you turn 65 for a Medicare Supplement. There are a few states that do apply tobacco rates but most do not, when new to Medicare. What state are you in?
Does Aetna plan n include silver sneakers for 2020
Hi Deb,
Aetna does not offer Silver Sneakers on any of their Medigap plans (plans F, G and N). They do, however, have a Globalfit program which is more of a discount program.
-Alex
I have a Kaiser Senior Medicare plan, would Aetna Medicare supplement support Kaiser as the primary insurance?
Hi Linda,
Typically Kaiser only accepts Kaiser plans. If they accept Original Medicare then you could use an Aetna Medigap plan as the secondary.
-Alex
Hi Alex,
I turned 65 in June of this year and went with my husbands Aetna Medicare advantage plan thru his state teachers retirement system of Ohio. Since that time, several friends have told me that they went with Aetna Medicare plan G, as they thought it was a better plan. I currently pay approx. $345.00/month. I’m also under the understanding that I have 6 months to chg plans. I started on medicare June 1, 2019. What would you advise?
Hi Michelle,
You are still within your window to sign up for a Plan G. Call me at 800-208-4974 if you would like to explore that option.
-Alex
Hi Alex,
I just posted a question about Aetna’s Dental plan, then read ur reply to someone asking that same question & your reply was… “We offer dental/vision plans but they would be a separate policy.”
So, how do I go about getting that policy?
Thank you for your feedback. I look forward to hearing from you very soon! ~Deb
Hi Deb,
Thanks for visiting our site. For dental plans please give us a call at 800-208-4974. There are a few options available that we can go over with you.
Alex
I live in GA. Just changed supplemental from mutual of Omaha to Etna. Have Medicare plan f. Is Etna supplemental as good as mutual of Omaha.
Yes, Aetna pays claims just the same as Mutual of Omaha.
My sister 70 years old is losing Medicaid in Pennsylvania she has a lot of health issues can she sign up for a supplemental insurance with pre existing conditions.
Hi Irene,
I don’t see that PA has a guaranteed issue for folks that lose Medicaid. That being said, we might be able to get her approved with a company. Call us at 800-208-4974 and we can go over options with you.
-Alex
I live in Nevada and am covered by Medicare
Which plan is the best for me. F or G
Plan G is almost always the best option. Feel free to contact us at 800-208-4974 for a free quote comparison.
Which plan covers for dental and vision
Medicare Supplement plans do not cover dental and vision. This is because Medicare does not cover it. The Medicare supplement simply pays for the gaps left over after Medicare pays (the 20%). We offer dental/vision plans but they would be a separate policy.
Hello. I am doing extensive research to try and pick the right Medicare package for my needs. Actually, by taking the long-term view my thinking has evolved away from Medicare Advantage (even though it’s a good fit today) and I’ve been looking over Original Medicare and Aetna Plan N supplemental insurance and a PDP. Does Aetna’s Medigap services include extras like free flu shot, annual wellness visit, discounted eyeglasses and fitness programs? I accessed some literature that indicates this, but my gut tells me this may be related to their Medicare Advantage package. Please advise…
Hi Peter,
Medicare Supplements are a better long-term option vs Medicare Advantage. Aetna’s Medigap includes Global Fit gym benefit. With Original Medicare, you get an annual wellness visit: https://www.medicare.gov/coverage/preventive-visit-and-yearly-wellness-exams.html
The annual flu shot is covered under Medicare: https://www.medicare.gov/coverage/flu-shots.html
If you have any further questions or would like to compare quotes you can call us directly at 800-208-4974.
I currently have plan G and would like to get silver sneakers, but it says I do not qualify. Is there some coverage for this or would I need another plan?
Hi Annette,
Most likely you would have to change companies to get Silver Sneakers. Call me at 800-208-4974 and I can go over options with you.
My wife and I currently live in Texas and we both have a plan J thru Aetna and we would like to change to plan G. What do we need to do or what is required to make the change?
Hi Wayne,
A basic application which we can do over the phone will need to be completed. Also, changing from a Plan J to Plan G may require underwriting (basic yes or no health questions). Call me at 800-208-4974 and I can go over the process with you and answer any questions you have.
I reside in Pennsylvania and am 46 years old and have Aetna and am paying $194 a month for plan F, is there a plan I can find that is cheaper?
There may be better rates available, please give us a call at 800-208-4974 for assistance.
I currently has Aetna plan G. Was under the impression rate increases were very reasonable. My rate for 2017 was 99.00 and now 2018 is 108.61. Is this normal for Aetna. Thanks
Hi Patsy,
Yes, all the carriers increase their rates over time. It is a good idea to shop your rate each year, to ensure you have the best rate possible. We do this for all clients each year with the Rate Lookout Program We can compare rates for you, just give us a call at 800-208-4974.
I live in Virginia. I currently have Aetna, Plan G, but am interested in switching to Aetna Plan F to cover the additional expenses for my annual medicare physical exam. Plan G does not cover them, and I pay up to $180+ per year to the provider. What do you advise?
Hi David, Plan G will almost always be more cost-effective than Plan F. If you give me a call at 800-208-4974 I can run quotes for you and see what plan/company is most cost-effective.
My current Aetna medigap policy has jumped about 10% to $111.04. I’m looking for other Plan G providers, noting better rates through GPM as well as TransAmerica. Can you verify?
Hi Bonnie,
I can check rates for you, you can call me at 800-208-4974, I would be glad to see if there are better rates for Plan G available!
Does the G plan have a senior fitness coverage?
Hi Doris,
Aetna does offer “Global Fit” in most states. This is a gym discount program that allows you to go to several gyms at a reduced cost.
Both my sister and I have Plan F thru Blue Cross (BC). She is in Illinois and I’m in California. Unlike most carriers, BC changes it plan premium in February. Plan G seems a good option to Plan F. Please give me your thoughts (both pro and con) on making a change.
Thank you, KjR, 3/5/2017
Hi KJ. Plan G will provide you with more savings and rate stability. You both can change to a Plan G by passing health underwriting questions and getting approved. Because you live in CA you can use the CA birthday rule to change if you cannot get approved through health underwriting. There are no cons to changing to a Plan G, as long as you are saving enough in premium to cover the deductible ($183 for 2017). I can provide you both with free quotes, just give me a call at 800-208-4974.
Hi,Alex. I have plan F (signed up in Louisiana). We moved to OKlahoma in March of this year, and I’m looking to switch from F to G because my supplement is with AARP…they don’t offer the plan G any more…anywhere. What would my premium be for your plan G?
I am considering a Plan N with Aetna but am concerned about the excess charges not being covered. Are they easy to avoid or should I go with a Plan G with Aetna?
Hi Peggy, good question. Plan N is a great plan that offers great coverage and Aetna is very competitive for Plan N. If you don’t go to the doctor very often Plan N can be a great option. Excess charges are easy to avoid. All you have to do is make sure your doctor takes “Medicare assignment.” Plan G is also a good option and again Aetna is very competitive for Plan G. Give me a call at 800-208-4974 and I can go over rates with you and answer your questions.
Would it ever make sense to go with a Plan F over a Plan G? Also what would a G with Aetna cost for a 65, female in Texas?
Hi Judy, The only situation where Plan F would make sense is in the states that have birthday rules such as CA and Oregon. In these states you can change your Medigap plan each year around your birthday regardless of your health so you don’t have to worry about a big future rate increase. In CA, you can only change to a plan of equal or lesser benefit so it makes sense to start out on a Plan F, as long as the premium difference between F and G isn’t too much. As far as rates in Texas for Plan G, they range between $92 and ~$120 for Aetna, depends on your zip code. Call me at 800-208-4974 and I can go over some rates with you!
Ok, so a plan G for someone is Texas would make more sense? Thanks, I will give you a call later today.
Yes Judy, in Texas I recommend plan G over plan F every time. Sounds good, I look forward to hearing from you!