Aetna Medicare Supplement Review

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A.M. Best financial strength rating: A BBB rating: A+ Consumer Affairs rating: 3.9

Quick Aetna Medicare Supplement plans review: Aetna is an established health insurance provider with generally positive reviews despite some issues with billing and customer support.

Part of CVS Health, Aetna is one of the nation’s oldest and most respected insurance providers. It provides health coverage to more than 39 million Americans, including 9.2 million Medicare beneficiaries, and nearly 1 million members have an Aetna Medicare plan.

If you’re turning 65 or if you’re ready to change plans, the information in this guide can help you find the best Aetna Medicare Supplement plan (also called Medigap) for your needs.

Pros and Cons of Aetna Medicare Supplement Plans

What we like about Aetna Medicare Supplement plans: The drawbacks of Aetna Medicare Supplement plans:
  • Loyalty discounts for spouses and life partners
  • High-deductible policies available in some areas
  • Coverage available in most but not all states
  • Premiums increase with age

What Do Aetna Medicare Supplement Plans Cover?

Aetna Medicare Supplement insurance plans and other Medigap plans differ from Aetna Medicare Advantage plans in that they work as an extension to your Original Medicare Part A and B benefits and are compatible with Part D prescription drug coverage, instead of being an alternative to them. Aetna Medigap plans can:

  • Lower or eliminate your Medicare Part A deductible for hospital care
  • Cover your 20% coinsurance rate for Medicare Part B medical services and diagnostics
  • Some policies include an out-of-pocket maximum that can help you control your health care costs
  • Some Medigap plans offer extra benefits, such as coverage for foreign travel emergencies, fitness benefits, emergency care, and more

Due to federal regulations, coverage terms are standard for all Medicare Supplement insurance plans, but monthly premiums and underwriting policies vary by provider.

Aetna Medicare Supplement Plan Options

Aetna offers five Medigap plans, including Plan A, Plan B, Plan F, Plan G, and Plan N. A high-deductible version of Plan F is available in some ZIP codes. The Centers for Medicare and Medicaid Services (CMS) requires all private insurance providers that sell Medigap plans to provide Plan A. These companies must also offer Plan C or Plan F.

Plans C and F will pay your $203 Part B medical services deductible but are only available to beneficiaries who became eligible for Original Medicare before 2020. If you reached age 65 since these laws changed, you can receive similar benefits through Plan D or Plan G, but Medicare Supplements can no longer cover your Part B deductible if you’re a new beneficiary.

All 10 Medigap plans that are authorized by the government include standardized benefits. However, there are some differences if you live in Minnesota or Wisconsin, which have different requirements. Aetna does not offer Medicare Supplements in Connecticut, Hawaii, Maine, Massachusetts, New York, Washington, or Washington, D.C.

If you live in another state, learn more about the Medicare Supplement plans that Aetna offers and what they cover:

Plan Name Monthly premium† Part A Hospital Deductible Part B Medical Deductible Member Responsibility for Excess Charges Skilled nursing facility coinsurance Hospice care or copayment
Plan A $141.34 $1,556 $233 All costs No Yes
Plan B $147.75 $0 $233 All costs No Yes
Plan F $194.84 $0 $0 $0 Yes Yes
Plan High F $54.75 (plus $2,370 annual deductible) $0 $0 $0 No Yes
Plan G $153.59 $0 $233 $0 Yes Yes
Plan N $107.33 $0 $233 Up to $20 for office visits or up to $50 for emergency room (ER) care plus all excess expenses Yes Yes

*Based on pricing in Houston

†Monthly premiums increase based on the member’s attained age

Aetna Medicare Supplement Plan Reviews and Ratings

Reviews show that most customers are happy with their Aetna Medigap plans. Competitive premiums, low copays, and rapid claims processing helped boost the company’s overall rating despite variable customer service and occasional billing issues.

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how A.M. Best, the Better Business Bureau (BBB), and more rate Aetna Medigap plans.

A.M. Best financial strength rating: A A.M. Best is a credit rating agency that specializes in the insurance industry. In December 2020, A.M. Best affirmed its Rating of A (Excellent) for Aetna Life Insurance Company and the other operating entities of Aetna that are wholly owned subsidiaries of CVS Health. AM Best also affirmed its A (Excellent) FSR rating of Texas Health Aetna, as well as Allina Health and Aetna Insurance Company, which are joint ventures with subsidiaries of Aetna Inc.

An A rating in this category indicates that A.M. Best believes Aetna has an excellent ability to meet its ongoing insurance obligations.

BBB rating: A+ Aetna has an A+ rating from the BBB with more than 150 years in the insurance industry. Ratings are based on 229 complaints closed in the last year and 644 complaints closed in the past three years.
Consumer Affairs rating: 3.9 According to Consumer Affairs, Aetna Health Insurance has an average rating of 3.9 out of five stars based on more than 2,100 reviews. Scores were influenced by the company’s customer service and competitive monthly premiums.
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Certified Senior Advisor (CSA)®

As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Blackwell holds a Bachelor of Science in nursing from the University of Northern Colorado, a Master of Science in health care administration from Grand Canyon University, an interprofessional graduate certificate in palliative care from the University of Colorado Anschutz Medical Campus and holds a Certified Senior Advisor® credential from the Society of Certified Senior Advisors.

Blackwell contributes to the University of Colorado-Anschutz blog and has been published in “The Human Touch” distributed by the University of Colorado Center for Bioethics and Humanities. She cowrote “Dying Is” for Pathways Hospice.

A registered nurse, Blackwell understands health insurance choices influence quality of life and are driven by values, goals, and beliefs. She’s passionate about engaging with, educating, and empowering seniors as they navigate the health care system. She’s equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans.

As a CSA®, Blackwell has access to valuable resources for Medicare beneficiaries. Her work as a bedside nurse and clinical manager has given her the opportunity to see how Medicare rules, regulations, and benefits work when patients need them. With a passion to learn and to make a difference in the lives of seniors, Blackwell supports seniors through Medicare and fourth-quarter life decisions.

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