Looking for an affordable Aetna Medicare Supplement Plan? You’re in the right place. In this blog post, we will review all of the Aetna Medicare Supplement Plans. We will help you find the best plan for your needs. We will also discuss the original medicare and how it works with supplemental plans. So whether you are just starting on your Medicare journey or you are looking to switch plans, read on for information that can help you make the best decision possible!
Thoughts on Aetna and Their Plans
Medicare Supplement plans through Aetna are a cheap choice for individuals who are looking for a Medigap policy to fill in coverage gaps in their Original Medicare plans. Customer complaint ratings, on the other hand, are not superb for the company when compared to other competitors that offer Supplement policies.
Combining costs and policyholder customer service still puts Aetna within our best Medigap plans available on the market, and the company should be considered when you shop for coverage. But if you are looking for a specific Medigap policy such as C, D, K, L, or M, then you will need to shop with a different insurer since these plans are not available through Aetna.
Customer Reviews and Complaints
Customer reviews for Aetna are well above average compared to other Medicare Supplement companies. Many customers remark that the website is easy to use and navigate. It also offering features such as online quotes and live to chat with an expert. Other positive notes for Aetna include:
- Better Business Bureau (BBB) rating of A+
- Moody’s financial rating of A2
- AM Best financial rating of A
Aetna falls short based on its customer complaint index from the National Association of Insurance Commissioners (NAIC). The company scored a 1.57 for its Medicare Supplement product. This means its complaint performance was significantly worse than the average of 1.00 across the industry.
Benefits and Extras
Aetna has several overall member benefits that it offers to its policyholders. These benefits include:
- Ask a Nurse: This is a 24-hour nurse line that allows you to contact a registered nurse. Use if you are feeling sick or have questions about your policy.
- Over-the-counter health solutions: This allows you to get select items such as vitamins and medicines over the counter with no added costs.
- Meal-at-home program: This is a program that brings meals to your home. This is usually after a hospital stay, which is a crucial time for recovery.
However, some other more robust benefits are exclusive to Medicare Advantage plans, and Aetna is considered one of the best cheap Advantage options in the marketplace. Examples of such benefits include:
- Dental, vision, and hearing: Medicare Advantage policies through Aetna usually provide coverage for dental, vision, and hearing expenses. This can include exams and even surgery in these areas.
- Fitness memberships: The SilverSneakers program and exclusive gym discounts throughout the nation are offered to Advantage members.
- Prescription mail order: Aetna has partnered with CVS Health. Now Advantage members have the option to have their prescription drugs mailed directly to their homes.
How They Stack Up
Aetna Medigap policies are cheaper when compared with Medicare Supplement plans from other health insurance companies. As you can see below, for all age groups, Aetna Medicare Supplement Plan G is the cheapest available on the market.
This is most significant for those close to the age of 75 years old, where Aetna’s policy is $14 cheaper per month compared to the closest competitor Humana). On the other hand, the most expensive Plan G policies are offered through Cigna (for ages 65 and 85) and AARP (for age 75).
Aetna offers a select number of Medicare Supplement plans. Although the company does not have the full suite of Medigap policies, its prices are extremely competitive. This is when looking at the market as a whole. It is important to note that what each Supplement plan covers is standardized across the nation and each company. This means, for example, that Medicare Supplement Plan A from Aetna will cover the same services as Plan A from AARP/UnitedHealthcare.
In my experience, Aetna is a solid company. Most complaints come from people not understanding Medicare billing. If you have questions about a plan. Please give us a call.