Medicare supplemental insurance plans from Aetna are a great value for those on Original Medicare. They offer a wide range of plan options, including some that cover prescription drugs, and they have a large national network of doctors and hospitals. In this article, we will take a closer look at the different Aetna Medicare supplement plans available in 2022 and what you can expect from each one.
Their Medicare Supplement
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.
Aetna’s Plan Options and Cost
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 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. We have outlined what each plan covers below:
G Plan covers:
- Part A coinsurance and hospital costs
- Part B coinsurance and copayments
- First three pints of blood
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
G Plan does not cover:
- Your Medicare Part B deductible
N Plan Covers:
- Part A coinsurance and hospital costs
- Part B coinsurance and copayments
- First three pints of blood
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
N Plan does not cover:
- Your Part B Deductible
- Your $20 copay
- $50 urgent care
- Excess charges
K Plan Covers:
- Part A coinsurance and hospital costs
- 50% of the Part B coinsurance
- First three pints of blood
- Part A hospice care coinsurance or copayment
K Plan does not cover:
- Your Medicare Part B deductible
- Your $20 copay for office visits
as well as any other Part B expenses.
Aetna does offer Part C (Medicare Advantage) plans, Part D prescription drug coverage, or Medicare Supplement Plan F.
Plan G and N are the two most popular policies that the company offers, but customers can also choose from Plan K and Plan L. All of these plans have different premiums, so it is important to compare costs before enrolling in a policy. In general, the higher the monthly premium, the more coverage you will receive.
Aetna’s Network and Customer Service
Aetna is one of the largest insurers in the United States and has a large network of doctors and hospitals that participate in its Medicare plans. The company also has a good reputation for customer service, although it should be noted that customer satisfaction ratings are not as high as some of its competitors.
Aetna is a reliable and affordable option for those on Medicare, and it offers a wide range of supplemental insurance plans. Although the company does not have the same selection of Medigap policies as some of its competitors, it is still worth considering when you are shopping for coverage. Be sure to compare costs and customer satisfaction ratings before enrolling in a policy.
Negative Feedback for Aetna
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 while 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, meaning its complaint performance was significantly worse than the average of 1.00 across the industry.
If you are interested in getting a quote with Aetna. Please give us a call or fill out a contact form on our website.