Chances are you already know about Original Medicare Parts A and B if you are 65 or turning 65 soon. Also, you probably already know that Original Medicare won’t cover all your health needs. You still have to pay some copayments, coinsurance and deductibles.
With a Medicare supplement plan, a lot more of your healthcare needs are covered. There are other Medicare programs you could subscribe to. They include:
- Medicare Advantage or Part C Medicare
- Part D Prescription Drug Plan
But with a Medicare Supplement plan, you may have a better chance of getting your medical expenses covered, with more convenience. You don’t need a primary care provider as you would in some Part C plans. You also wouldn’t need to worry about Medicare coverage restriction to a network or service area.
One of the best Medicare Supplement insurance providers to buy a policy from in 2021 is Aetna. Aetna Medicare Supplement plans 2021 have your best interests at heart. Continue reading to know why.
Who is Aetna?
Aetna Incorporated is a healthcare company founded in 1853 as Aetna Life Insurance Company. In 2018, it became a subsidiary of CVS Health. Aetna is based in Hartford and has been operating for 167 years. The company has up to 40 million customers across the United States. Aetna is committed to providing the best healthcare benefits, products and services to people in the country.
More than 33% of people that enroll for Original Medicare also buy a Medigap plan. The Medigap plan they buy helps to pay some deductibles and coinsurance. Like other Medigap plans, Aetna Medigap plans also help you remove as much out-of-pocket as possible. You may also be able to get additional benefits save more with Aetna Medicare Supplement.
Aetna Insurance is one of the top health insurance providers alongside companies such as AARP, Cigna, and Mutual of Omaha.
Why Aetna Medicare Supplements?
All Medigap plans are standardized. You get a list of approved benefits regardless of your insurance provider. However, insurance providers charge different rates for their Medigap plans. So, although you get the same basic benefits, you may be paying higher with other insurance companies.
Aetna also provides additional benefits alongside the standard benefits. The extra perks of buying an Aetna Medicare Supplement 2021 include:
- Lifetime guaranteed renewal i.e. your policy cannot be cancelled due to health conditions
- 24-hour access to healthcare professionals, including nurse line
- 30 days free-look period for all plans
- 12-month rate lock i.e. your premium rates stay the same for a year
- 12% household discount if you live with another senior with an Aetna Medigap plan.
Aetna Medicare Supplement Plans 2021
There are up to 6 different Aetna Medicare Supplement plans 2021. They include A, B, F, High Deductible F, G and N. The Aetna Medigap plans are available in up to 42 states. Aetna does not offer coverage in Minnesota, Wisconsin and Massachusetts. The pricing for each plan may differ in each state as Medigap insurance laws differ by states. Depending on your state of enrollment and plan, Aetna Medigap pricing may range from $57.14 to $186.09.
Standardized Medicare Supplement benefits that Aetna offer include:
- Original Medicare Parts A and B copayment
- Part B annual deductible and excess charges
- Original Medicare Part A hospice coinsurance
- Nursing care service coinsurance
- Part A annual deductible
- Up to 80% cost of foreign emergency and $50,000 lifetime coverage.
Depending on the Aetna Medigap plan you choose, you may be entitled to all the above benefits. If you are enrolling in a new Medigap plan in 2021, you may not have the option of Plan F. Plan F offers all the above benefits but has been discontinued for new beneficiaries since January 2020.
However, with Plan G, you are entitled to all the benefits except the Part B annual deductible. Plan N also covers almost all except the Part B deductible, excess charges and small copayments.
We would love to help you out. Contact us if you have any inquiries, or questions about Aetna Medigap plans or other Medicare insurance companies.
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