at a glance
  • Aetna offers Medigap plans A, B, F, high-deductible F, G, and N in many areas throughout the United States.
  • Aetna doesn’t offer Medigap coverage in Connecticut, Hawaii, Maine, Massachusetts, New York, Washington, or Washington, D.C.
  • Insurance companies aren’t allowed to offer plans C and F to enrollees who are new to Medicare as of January 1, 2020.

Aetna is among the most widely known insurance providers in the United States. In addition to its Medicare Advantage plans, Aetna offers several Medigap policies to help you pay for costs leftover from your original Medicare (parts A and B) coverage. Medigap is also known as Medicare supplement insurance.

With healthcare costs rising dramatically in many markets, a Medigap policy might help you feel more secure in keeping pace with the cost of maintaining good health.

Read on to learn about the coverage Aetna’s Medigap plans offer, where they’re available, and how much they may cost.

All of Aetna’s Medigap policies cover what it calls Basic benefits. These include:

  • Part A coinsurance, plus an extra 365 days of coverage beyond your Medicare benefits
  • Part B coinsurance (your 20 percent of the cost of medical services) or your copays for medical care
  • the first 3 pints of blood you need every year
  • coinsurance for hospice care covered under Medicare Part A

Depending on the plan, other benefits may include coverage of your coinsurance for care in a skilled nursing facility, excess charges for medical services, and emergency care when you’re traveling outside the United States.

Aetna Medigap plan extra benefits

One additional benefit Aetna Medigap plans offer is a discount on your premium if another member of your household has an Aetna Medicare plan. You will receive 7 percent off your monthly premium if two or more people in your household have one of these plans.

Now, let’s explore the different types of Medigap plans that Aetna offers.

Medicare Supplement Plan A

Plan A is the most basic Medigap plan. In fact, any insurance company selling Medigap plans is required to make Plan A available for purchase.

Plan A covers some of the copays and coinsurance associated with Medicare Part A. It also covers copays and coinsurance for Medicare Part B.

Medicare Supplement Plan B

Plan B offers slightly more coverage than Plan A by also paying for the Part A deductible. However, it might not be a good fit for those who travel internationally because it doesn’t offer a foreign travel benefit.

Medicare Supplement Plan C

Plan C offers more robust coverage when compared to Plan A. It covers:

  • copays and coinsurance associated with Medicare parts A and B
  • deductible for Medicare parts A and B
  • emergency care during foreign travel

New regulations no longer allow Medigap plans to cover the Medicare Part B deductible. Beginning on January 1, 2020, people newly eligible for Medicare cannot purchase Plan C. If you already had Plan C or were eligible before 2020, you may keep or buy it.

Medicare Supplement Plan D

Plan D covers everything that’s covered by Plan C except for the Medicare Part B deductible. Because of this, Plan D may be a good option for those who can no longer purchase Plan C.

Medicare Supplement Plan F

Plan F offers the widest variety of coverage of any Medigap plan. This coverage includes:

  • copays and coinsurance with Medicare parts A and B
  • deductible for Medicare parts A and B
  • excess charges associated with Medicare Part B
  • emergency care during foreign travel

Like Plan C, Plan F also covers the Medicare Part B deductible. Because of this, it’s no longer available to people new to Medicare as of January 1, 2020.

There’s also a high-deductible version of Plan F. While the monthly premiums are lower for these plans, you’ll have to meet a deductible before it begins covering costs.

Medicare Supplement Plan G

Plan G has the same set of benefits as Plan F except for the Medicare Part B deductible. So, it’s still available to those new to Medicare who may be seeking a very inclusive level of coverage.

Similar to Plan F, there’s also a high-deductible option for Plan G.

Medicare Supplement Plan N

Some of the main areas covered in Plan N include:

  • copays and coinsurance associated with Medicare parts A and B
  • deductible for Medicare Part A
  • emergency care during foreign travel

The cost of Aetna’s Medigap plans varies depending on a several factors, including your age and location.

Here’s a range of 2021 Medigap rates in a few different U.S. cities for people who are 65 years old:

Monthly premium in Atlanta, GAMonthly premium in Phoenix, AZMonthly premium in Toledo, OHMonthly premium in Chicago, IL
Plan A$96–$285 $79–$456$69–$366$73–$326
Plan B$115–$321$116–$391$105–$354$108–$369
Plan C$150–$406$132–$488$131–$440$135–$460
Plan D$123–$328$116–$348$118–$336$109–$360
Plan F$139–$409$117–$518$128–$443$128–$462
Plan F with high deductible$42–$81$38–$82$30–$66$32–$107
Plan G$107–$335$99–$464$101–$426$106–$436
Plan G with high deductible$42–$69$39–$77$30–$66$32–$76
Plan N$93–$266$82–$372$85–$379$84–$415

It’s important to remember that for all plans, except Plan C and Plan F, you’ll pay the Medicare Part B premium in addition to your monthly Medigap premium.

Since costs for Medigap plans vary so widely, compare plans from several providers in your area before you choose one. Medicare provides a Medigap plan finder tool that allows you to type in your ZIP code and compare the plans available near you.

In most cases, Medicare covers the majority of the costs for your healthcare, but you’re also responsible for paying a portion of your costs.

Medigap plans, also known as Medicare supplement plans, help you pay for costs that aren’t covered by original Medicare (Part A and Part B). These costs can include:

  • copays
  • coinsurance
  • excess charges

The federal government standardizes the coverage that each type of plan provides, but not every plan will be offered in the state where you live.

If you live in Minnesota, Wisconsin, or Massachusetts, these states may offer Basic and Extended Basic plans that differ from the coverage offered under the other plans.

It’s also important to know that you can use a Medigap plan only if you have original Medicare. Medigap insurance cannot be used with Medicare Advantage Part C) plans.

Aetna offers Medigap plans A, B, C, D, F, high-deductible F, G, high-deductible G, and N in most markets in the United States.

All of Aetna’s Medigap plans cover coinsurance or copays (or both) for Part A and Part B services. Plus, some plans offer additional benefits, such as coverage of coinsurance for skilled nursing facilities, hospice care, and emergency medical care when traveling abroad.

Plans differ in their specific benefits and costs, so compare plans carefully before you decide which one best matches your budget and needs.