Aetna Medicare Supplement Plans (2024)

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• Updated on May 24, 2023
• Written By: Kayla Hopkins
• Reviewed By: Ashlee Zareczny

Aetna Insurance Company is a top Medicare Supplement (Medigap) plan carrier available in most states nationwide. As one of the largest insurers in the U.S. and deemed one of the most stable Medicare Supplement providers, Aetna strives to provide a policy fit for every senior’s needs. Aetna Medicare Supplement plans are highly rated by enrollees regarding customer service, claim processing, and ease of use.

Below, we provide all the information you need about Aetna Medicare Supplement plan availability, reviews, rate increases, and more.

Aetna Medicare Supplement Plans for 2024

Aetna Medicare Supplements are an easy choice when looking for a reliable company with competitive pricing and nationwide availability. When you enroll in an Aetna policy, you will receive a Medigap plan with standardized benefits plus the perks of being an Aetna member.

Typical features of Medicare Supplement plans through Aetna include:

• 12-month rate protection on all Medicare Supplement plans
• Household or spousal discounts in select areas nationwide
• 30-day free look period

Further, Aetna excels at claim payment and coverage for those on their Medigap plans. Because of this, the company has earned a high rating in Medicare customer satisfaction year after year.

The Best Aetna Medigap plans in All States are:

• Medicare Supplement Plan F
• Medicare Supplement Plan G
• Medicare Supplement Plan N

Due to Medigap standardization, Medigap Plan F with Aetna offers the same coverage as Plan F with any other carrier. The same stands true for all other lettered Medicare Supplement plans. The only difference between carriers is the monthly premium and company rating.

Aetna Medicare Supplement Plan F

Medicare Supplement Plan F is a tried-and-true favorite amongst Medicare enrollees. When you enroll in Aetna Medicare Supplement Plan F, the only costs you are responsible for is your monthly premiums. Aside from premiums, all other Medicare-covered tests and procedures are completely covered by this plan. You’ll never have to pay a copayment, coinsurance, or deductible with Plan F. However, the catch to this plan is that not all Medicare enrollees are eligible for coverage. To be eligible to enroll in Plan F, you must have been eligible for Original Medicare before January 1, 2020. Anyone eligible for coverage after this date will not be permitted to enroll in Plan F coverage.

Aetna Medigap Plan F can cost close to $200 each month before the spousal or household discount. So, it is important to ensure this is the right plan option for you before enrolling in coverage. For many, Medicare Supplement Plan F can save you thousands in medical expenses each year.

Aetna Medicare Supplement Plan G

Although Plan F, Plan G, and Plan N are the most popular plans, in recent years, Medicare Supplement Plan G is quickly becoming the most popular Medigap plan available due to the discontinuation of Plan F for those new to Medicare.

When you enroll in Aetna Medicare Supplement Plan G, you pay the Medicare Part B deductible yourself, and then your Medicare Supplement plan covers the rest. These benefits make Medigap Plan G the ideal choice for those new to Medicare and even those eligible for Plan F whose annual savings on Plan G premiums can exceed the Medicare Part B deductible.

Remember, if you and your spouse each enroll in Medigap plans through Aetna, you could qualify for a discount in certain states. This means you can receive Aetna Medicare Supplement Plan G at a fraction of the cost.

Aetna Medigap Plan G can cost close to $150 each month before the spousal or household discount. However, plans in some areas will cost much less, and others are more expensive. To find the most accurate price in your area, use our rate comparison tool.

No matter which Medicare plan you choose, Medicare Supplements through Aetna have you covered with high-quality customer service.

Aetna Medicare Supplement Plan N

Medicare Supplement Plan N is a great option for someone who does not visit the doctor or hospital frequently but would like to have coverage in the event of an emergency. Aetna Medicare Supplement Plan N will cover 100% of your costs after you meet the Medicare Part B deductible and pay a small copayment at the doctor’s or emergency room. In addition to these costs, you may be required to pay excess charges if you visit a doctor who does not accept Medicare assignment. However, this is rare and easily avoidable.

Aetna Medicare Supplement Rates

To be transparent, all Medicare Supplement insurance companies experience rate increases – not just Aetna. So, while it’s great to know about the previous rate increases, the information is not always predictable.

Rate increase predictions are almost impossible to make. Since each carrier uses a different scale to determine its rate increase, you simply don’t know until the numbers come out. Further, rate increases differ depending on geographic location and policy type.

Overall, Aetna Medigap rates conservatively. Increases can fall between 3% and 10% each year, depending on the plan, location, and other factors.

Aetna Medicare Supplement Eligibility

If you are new to Medicare and have recently enrolled in Medicare Part B, you likely have Aetna Medicare Supplement eligibility. The six months following your Medicare Part B enrollment is your chance for Medicare Supplement open enrollment.

During this time, you can enroll in an Aetna Medicare Supplement plan without answering underwriting health questions. Often referred to as an Aetna Senior Supplement, an Aetna Medigap plan allows you an additional six-month window to enroll in a Medicare Supplement plan without answering health questions. This timeframe begins six months before your Medicare Part B goes active. So, your Aetna Senior Supplement eligibility without answering underwriting health questions begins six months before you turn 65 and ends six months after you turn 65.

Additionally, if you are enrolling in an Aetna Medicare Supplement plan after your open enrollment period ceases, you may need to answer underwriting health questions, depending on the state in which you reside. This means the carrier may deny you a policy for any reason, including pre-existing health conditions.

Aetna Medicare Supplement Reviews

Because Medicare Supplement plans offer standardized benefits, choosing a high-rated carrier for your Medigap coverage is essential. Aetna is an A-rated Medicare Supplement carrier by AM Best and receives a 73/100 from the American Customer Satisfaction Index.

While all insurance companies receive complaints, Aetna Medicare Supplement plans tend to receive less negative feedback than compliments when it comes to benefits, customer service, and claim approval.

Overall, when compared to other Medicare Supplement plan carriers, Aetna boasts high overall ratings.

Does Aetna Medicare Supplement Cover Gym Membership?

No, Aetna Medicare Supplement gym membership coverage is not available. Medicare Supplement plans only cover benefits covered under Original Medicare. Unfortunately, Original Medicare does not cover gym memberships; thus, Aetna Medicare Supplement plans do not cover gym memberships. However, there are several options available to add to your Medicare coverage to provide you with Medicare gym membership benefits.