Aetna Medicare Supplement (Medigap) Plans Review
- Our Aetna Medicare Supplement (Medigap) plans review explores Aetna Medicare Supplement Insurance plans, including their costs, what they cover, how they compare to other insurance companies, customer reviews and more. Learn more and compare Medigap plans.
Aetna is one of the largest providers of Medicare Supplement Insurance plans, also called Medigap. But choosing the best insurance company for your Medicare Supplement plan involves more than just comparing their market share or popularity.
In this Aetna Medicare Supplement review, we compare Aetna Medigap plan availability, costs and more to help you make an educated decision about your choice for Medicare Supplement Insurance.
How Many Medicare Supplement Plans Does Aetna Sell?
Aetna sells seven of the 10 types of Medicare Supplement Insurance plans available in most states. Each Medigap plan is referred to by a plan letter.
The Aetna Medigap plan lineup includes Plans A, B, C, D, F, G and N. However, each plan may not be available in every location.
Aetna also sells the high-deductible versions of Medicare Supplement Plan F and Plan G. Each of these plans allows beneficiaries to pay a lower monthly premium in exchange for having an annual deductible as part of their plan, which other standard Medigap plans don’t include.
You can compare Aetna Medigap plans online to find out which plans are available where you live, and you can get help comparing plans by chatting with a licensed insurance agent.
Where Are Aetna Medicare Supplement Plans Sold?
Aetna Medicare Supplement Insurance plans may be found in 43 states.
As of 2023, Aetna doesn’t offer Medigap plans in
- Alaska
- Connecticut
- Hawaii
- Maine
- Massachusetts
- New York
- Washington
- Washington, D.C. (District of Columbia)
How Much Does Aetna Medicare Supplement Insurance Cost?
There are several factors that can affect the cost of a Medicare Supplement Insurance plan, including location, age, gender and smoking status.
The table below shows sample premium quotes for a 65-year-old woman in Salt Lake City, UT, for Aetna plans (not including potential discounts that may be available for plans where you live).
Please note these quotes are examples, and the plan premiums and plan availability where you live may vary from what is reflected in the chart below.
The following example premiums are taken from the Medicare.gov plan finder tool in October 2023 for plan year 2024 and apply to a 65-year-old woman who doesn't use tobacco and lives in the following ZIP codes. This is not a complete list of plans available in each ZIP code.
Plan premiums vary and may be different where you live, and there may be more, fewer or different plans available where you live. Contact a licensed insurance agent or compare plans online to find your local options.
| Aetna Plan | Monthly Premium |
|---|---|
|
A |
$132.28 |
|
B |
$149.36 |
|
F |
$176.60 |
|
High-deductible F |
$57.73 |
|
G |
$135.95 |
|
N |
$93.71 |
To illustrate how much location can play a factor in Medigap rates, the table below shows Aetna plan pricing for the same type of person (65-year-old female) living in Los Angeles, CA.
| Aetna Plan | Monthly Premium |
|---|---|
|
A |
$195.17 |
|
B |
$246.98 |
|
F |
$346.11 |
|
High-deductible F |
$64.72 |
|
G |
$258.48 |
|
N |
$185.43 |
Aetna offers a household discount for married couples that can lower your premium by approximately 7%.
Does Aetna Offer Any Additional Benefits to Its Medicare Supplement Plan Customers?
Some Aetna Medicare Supplement plans offer customers a few extra benefits. Some of the extra benefits that may be included with an Aetna Medigap plan include:
- A 24-hour nurse hotline that connects you with a registered nurse if you are experiencing symptoms or have a question about your coverage
- Discounts on select medicines, vitamins and other products
- A meal-at-home program that delivers meals to your doorstep following an inpatient hospital stay
Does Aetna Have a Good Provider Network?
Aetna has a large network of participating providers. Any doctor, provider, hospital or other health care facility that accepts Medicare will also accept your Aetna Medicare Supplement plan, whether from Aetna or another provider.
No matter where you go in the U.S., you’ll never be far from a doctor who accepts Aetna Medicare Supplement insurance.
Aetna Medicare Supplement plan Insurance does not adhere to any network restrictions. Again, an Aetna Medigap plan, as with a Medigap plan from any other company, is accepted by any health care provider who accepts Original Medicare.
What Is the Rating for Aetna?
Aetna financial strength ratings and customer reviews can give you an idea of overall strength and satisfaction.
- Aetna has an A+ rating with the Better Business Bureau.
- In terms of financial strength, Aetna has been given an A2 rating by Moody’s and an A from A.M. Best, both of which signal strong financial performance and a high level of confidence in the company’s ability to meet its financial obligations.
Aetna vs. UnitedHealthcare, Cigna and Anthem Blue Cross Blue Shield
Because Medicare Supplement coverage is standardized by the federal government, comparing plans between carriers ultimately boils down to selection and cost.
Below is a summary of the number of states where Aetna Medigap plans and the number of available plans. We also included the cost of the highly popular Medigap Plan G from Aetna and from three of the company’s biggest competitors.
Plan G sample premium quotes are based on a 65-year-old male in Houston, TX, (77001) in 2024.
Aetna
- Number of Medigap plans: 7
- Number of states where plans are offered: 43
- Sample Plan G quote: $197.67
UnitedHealthcare
- Number of Medigap plans: 8
- Number of states where plans are offered: 50
- Sample Plan G quote: $162.25
Cigna
- Number of Medigap plans: 5
- Number of states where plans are offered: 46
- Sample Plan G quote: $142.30
Anthem/Blue Cross Blue Shield
- Number of Medigap plans: 5
- Number of states where plans are offered: 50
- Sample Plan G quote: $159.56
As you can see, Aetna offers a range of plans in many parts of the country, but their plans may not always have the lowest premium. You can compare plan costs and availability by exploring the plans available where you live.
Is Aetna a Good Medicare Supplement Insurance Company?
Aetna provides a selection of Medicare Supplement plans in nearly every state, and their plans are backed by strong customer reviews and financial ratings.
Speak to a licensed insurance agent about the Aetna Medicare Supplement Insurance options available where you live and for help determining which plan is best for your needs.
