Aetna is a managed health care company founded by Eliphalet Adams Bulkeley in 1853 and headquartered in Hartford, CT. The company’s name was inspired by Mt. Etna, a large volcano on the eastern shores of Sicily.
Aetna quickly found success selling life insurance and topped $1 million in annual income by 1861. Today, Aetna is owned by CVS Health, boasts more than $60 billion in annual revenue, and employs nearly 48,000 individuals.
Like supplement plans from other companies, you can apply for coverage through Aetna if you live in a state where they offer policies, have Medicare Parts A and B (and continue paying your Part B premium), and are 65 or older or have certain disabilities or illnesses, including end-stage renal disease (ESRD).
Related: What is Medicare Supplement (Medigap) Insurance?
With these details in mind, let’s take a closer look at Aetna’s different Medicare supplement plans.**
Aetna’s Plan A covers Part A coinsurance, hospital stays, and hospice care, as well as Part B coinsurance. However, it doesn’t cover skilled nursing facility coinsurance, Part A or B deductibles, or Part B excess charges.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | No |
| Part A deductible | No |
| Part B deductible | No |
| Part B excess charges | No |
| Monthly premium | $159.60 |
Compared to Plan A, Aetna’s Plan B supplement adds coverage for the Part A deductible.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | No |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | No |
| Monthly premium | $166.77 |
Compared to Plans A and B, Aetna’s Plan D adds coverage for skilled nursing facility coinsurance.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | No |
| Monthly premium | N/A |
Plan G provides all of the same coverages as Plan D, with the addition of coverage for Part B excess charges. Aetna also offers a high-deductible Plan G in some states, which requires higher out-of-pocket costs but charges lower rates.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | Yes |
| Monthly premium | $173.35 |
Related: Medicare Supplement Plan F Versus G Explained
Plan N requires a $20 copayment for office visits and a $50 copayment for emergency room visits, which do not count toward the annual Part B deductible.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | No |
| Part B excess charges | No |
| Monthly premium | $135.28 |
You can only purchase Aetna’s Plan C supplement if you were eligible for Medicare before 2020. The plan covers all major portions, except for Part B excess charges.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | Yes |
| Part B excess charges | No |
| Monthly premium | N/A |
Plan F is also only available if you were eligible for Medicare before 2020.
Related: Will I Get to Keep My Plan F Medicare Supplement After January 2020?
Aetna’s Plan F (only available if you were eligible for Medicare before 2020) offers the most robust coverage, but also comes with a meaningfully higher premium. Keep in mind you can choose a high-deductible option that makes you responsible for your first $2,200 in expenses, but also significantly reduces the premium.
| Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | Yes |
| Part B coinsurance/copayment | Yes |
| Part A hospice care coinsurance/copayment | Yes |
| Skilled nursing facility coinsurance | Yes |
| Part A deductible | Yes |
| Part B deductible | Yes |
| Part B excess charges | Yes |
| Monthly premium | $218.00 ($66.72 for high-deductible option) |
With so many years in business, Aetna is a solid choice if you’re looking for a stable company with great Medicare supplement rates.
However, not every plan is right for every person, which is where the professionals at IHS Insurance Group come in. We’ll help you choose the best plan that matches your coverage needs, as well as your budget.
Need a FREE Quote or have questions regarding Medicare or Medigap Coverage? We have three convenient ways to reach us:
Also, check out our Medicare FAQs here.
**For quoting purposes, we used zip code 77375, an effective date of 10/1/21, and based on a 70-year male non-smoker.
Guardian offers a variety of comprehensive plans that provide access to quality preventive dental care.…
Available in select states, Humana provides a variety of dental plans that give you access…
United Concordia offers a variety of affordable, research-driven dental plans that deliver quality dental care…
Aetna Dental plans (offered by Aetna Life Insurance Company, a CVS Health company) fully cover…
Cigna’s dental plans (available with or without a Cigna medical plan) deliver 100 percent coverage…
MetLife’s dental plans cover preventative oral care services like routine cleanings, as well as braces,…
This website uses cookies.