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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Mar 14, 2022

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The Truth in a Nutshell

  • Supplemental health insurance is smart to have for anyone 65 years old and up
  • Aetna offers one of the widest ranges of supplement policies with varying benefits depending on what you need
  • Not only is Aetna supplemental insurance one of the most affordable options, it’s also one of the most available 

Insurance is a big deal, and when you reach 65 years old, there are important decisions to make regarding your coverage. If you’re a citizen of the United States, once you turn 65, you’re automatically eligible for Medicare coverage. This covers many health services across the board, but not all of them. You might have to purchase a Medicare supplemental to fill the gaps in coverage. As one of the biggest health insurance companies in the country, Aetna offers a multitude of supplement health insurance plans. In this article, we’ll outline a complete guide to Aetna Medicare supplement plans, so you can pick out the best fit for you.

What is health supplement insurance?

The first thing you need to know about supplemental insurance — otherwise referred to as benefit coverage — is that it covers things that your main medical policy might not. When it comes to major medical policies with popular companies, everything isn’t always covered. This leaves a “gap” in coverage that the policyholder would be responsible for unless they also have a supplemental health plan. Usually, the only reason you would acquire supplemental insurance is if your main insurance policy is Medicare.

These health supplement insurance plans are called “Medigap” plans and come in a range of different options from different companies. The benefits of supplement policies can include coverage for copayments, deductibles, coinsurance, medication, and hospitalization. Here is the full list of benefits:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Skilled nursing facility care coinsurance
  • Part A hospice care coinsurance or copayment
  • Blood
  • Foreign travel emergency

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Aetna’s Medicare Supplement Insurance Plans

Aetna is one of the top three biggest health insurance companies in the nation. It makes sense that they offer a plentitude of supplemental insurance plans for Medicare policyholders. They name their plans according to letters of the alphabet and each varies in aspects of coverage. The currently available Aetna Medicare supplement policies are: A, B, C, D, F, G, K, L, M, and N.

  1. Plan A: Aetna Medicare Supplement Plan A offers 100% coverage for Medicare Part A hospital, hospice, and coinsurance costs. Although it doesn’t cover any of the deductibles for Part A, it does provide 100% for the first three pints of blood donation and Medicare Part B coinsurance or copayment.
  2. Plan B: Aetna’s Medigap policy coverage for Plan B is the same as Plan A, except for the fact that the Part A deductibles are also included.
  3. Plan C: This Aetna supplemental insurance plan’s benefits include 100% coverage for both Part A and B Medicare plans. Also, it includes 100% for blood and skilled nursing facilities, along with 80% coverage for emergency foreign travel. If you were eligible for Medicare after January 1, 2020, Plan C won’t be available to you.
  4. Plan D: Exactly the same coverage of Aetna Medicare supplement Plan B except for additional 80% for foreign travel emergency.
  5. Plan F: Includes 100% benefits coverage of everything in the table below, aside from urgent foreign travel being only 80%. However, this is a high-deductible plan, which means you have to meet the agreed upon amount before benefits kick in. Same availability to Medicare policyholders as Plan C.
  6. Plan G: Aetna supplemental policy covers 100% of Medicare Part A and B, blood, hospice care, skilled nursing facility, Part A deductible, Part B excess charges, and 80% of emergency foreign travel. Plus, this is another high-deductible plan.
  7. Plan K: Covers 100% of Part A, 50% of Part B, blood, hospice care, skilled nursing care, and the Part A deductible.
  8. Plan L: Offers the same benefits as Plan K, only the 50% coverage is bumped up to 75%.
  9. Plan M: This Aetna Medigap plan covers 100% of Part A and B, hospice care, blood, and skilled nursing. Also, it includes 50% of the Part A deductible and 80% foreign travel emergency.
  10. Plan N: The same as Aetna Medicare Supplement Plan B, although it does require a payment of up to $20 to see your doctor and $50 for an emergency room visit.
Benefits A B C D F G K L M N
Medicare Part A
(coinsurance and hospital costs)
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B
(coinsurance or copayment)
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Blood
(first three pints)
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Part A Hospice Care
(coinsurance or copayment)
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Care
(coinsurance)
x x 100% 100% 100% 100% 50% 75% 100% 100%
Part A Deductible x 100% 100% 100% 100% 100% 50% 75% 50% 100%
Part B Deductible x x 100% x 100% x x x x x
Part B Excess Charges x x x x 100% 100% x x x x
Foreign Travel Emergency
(up to plan limits)
x x 80% 80% 80% 80% x x 80% 80%

Are Aetna Medicare Supplemental insurance policies cheaper?

In short, yes, Medigap coverage from Aetna can be cheaper than most other Medicare Supplement plans from other health insurance companies. But this all depends on what plan you choose from and where you’re located. Currently, Aetna senior supplemental plans are not offered in the following states: New York, Connecticut, Hawaii, Massachusetts, Maine, Washington, and Washington, D.C. In available states, supplemental insurance costs range greatly, with Plan G being the most affordable option and Plan C being the most expensive.

Does Aetna offer full Medicare coverage?

If you’re unhappy with the supplemental options Aetna provides and you want something more than what your Medicare coverage offers, there are still options for you. Aetna also offers its own “all in one” insurance called Aetna Medicare Advantage, which provides the same coverage as Original Medicare and includes extras like prescription coverage, dental, vision, and hearing coverage, and lower out-of-pocket costs.

With all of their plans, supplemental or full coverage, Aetna provides several other benefits to its policyholders. These include a 24-hour nurse line that gets you in contact with a professional nurse if you’re feeling sick or have policy-related questions, OTC health solutions, and a meal-at-home program.