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Aetna Inc. is an American managed health care company that sells traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans, primarily through employer-paid (fully or partly) insurance and benefit programs, and through Medicare.
In November of 2018, CVS finalized its acquisition of Aetna. As a result, their stock is now traded publicly on the NYSE under the stock symbol CVS. Aetna is headquartered in Hartford. CT. The company offers various health insurance products such as medical, dental, pharmaceutical, long-term care, disability, and Medicare supplement plans.
Aetna Medicare Supplement Plans are offered by Aetna through one of their subsidiary companies. Depending on what state you are in you will see either Continental Life of Brentwood Tennessee, American Continental, Aetna Health and Life, or Accendo. All of these companies are owned and operated by Aetna / CVS.
Agent Tip
Medigap plans are standardized in all states except Massachusetts, Minnesota, and Wisconsin. These states have their own unique Medigap plans.
With all of Aetna’s Medicare supplement plans you get:
| Medicare Benefits | Plan F Coverage |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | 100% |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
Plan F provides coverage on what Medicare does not cover in full. The hospital deductible, office visit copays, skilled nursing costs, and excess charges are all covered at 100%. Plan F is the most comprehensive Medicare supplement plan available. With Aetna Plan F you can see any doctor or hospital that accepts Medicare.
Plan F is offered by Aetna and covers everything that Original Medicare does not pay in full. As long as you go to a Medicare-approved provider you will not have to pay anything out of pocket and as long as the services are Medicare eligible. As you can probably imagine, the plan that covers the most is also going to cost the most in premium. There is no exception with plan F, it is the most expensive supplement plan on average, compared to the other plans available.
The chart below shows exactly what Plan F covers in comparison to the other Medigap plans available.
| Medicare Benefits | Plan G Coverage |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
The Aetna Plan G is a top choice among our clients. Folks who buy an Aetna Medicare Supplement Plan G pay a fixed monthly premium and an annual deductible of 2024 per year at the doctor’s office. There are no copays with Plan G at the doctor or specialist.
Plan G is identical to plan F, the only exception is that the Part B deductible is not covered. This deductible is $240 for 2024 . With a Plan G, the most you would pay out-of-pocket for the year is the $240, as long as you go to a doctor or hospital that accepts Medicare and the services are Medicare eligible.
The chart below highlights the coverage offered with Plan G.
Aetna Medigap Plan G Coverage:
Plan N from Aetna is also a great choice. The difference in coverage between plans G and N are shown below in the chart. You will see that plan N has an asterisk in the “Medicare Part B coinsurance or copayment” box. This means there is a copay when you see a doctor. The copay is between $0 – $20. In addition, the Part B deductible is not covered, just like Plan G.
*The office visit copayments do not count towards the Part B deductible.
| Medicare Benefits | Plan N Coverage |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | $0-$20 Office Copay |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | X |
| Foreign Travel Emergency (up to $50k) | 100% |
The copay at a doctor’s (including a specialist) office is up to $20. Also, there is a $50 copay at the emergency room but this is waived if you are admitted. In addition, Part B excess charges are not covered on plan N, these charges can be easily avoided if you simply go to a provider that takes “Medicare assignment.”
Call us if you have any questions regarding plan N – (800) 208-4974, we would be happy to answer them!
The monthly premium for an Aetna Medigap plan will vary depending on where you live, your age, and in most states, your gender.
We recommend getting a personalized quote from a licensed agent but to give you an idea below are some average costs:
Plan F:
Between $125-$200 per month.
Plan G:
Between $90-$140 per month.
Plan N:
Average Between $75-$125 per month
These figures are just to give you an idea. There are many factors involved such as tobacco use (in some states) and potential discounts that could affect the price as well. These prices do not include the cost for Medicare Part B or a stand-alone Part D drug plan.
Agent Tip
Pricing varies depending on your location, age, and gender. For a customized quote call us directly at 800-208-4974.
Aetna will be offering Medigap plans F, G, and N in 2023. Plan F will not be available for folks who are turning 65 after January 1st, 2020. Those who were eligible for Medicare prior to Jan. 2020 can still purchase a Plan F. Plans G and N will be available.
With Plan F being discontinued for folks new to Medicare, plans G and N will be the most popular options.
To get free quotes on Aetna Medicare supplement plans or if you wish to enroll, simply call us direct at (800) 208-4974. We would be happy to help you with your decision. We are a unique insurance agency dedicated to assisting folks with Medicare. Learn how we are different here.
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
