by Russell Noga | Updated June 19th, 2023
Navigating the complex world of Medicare can be overwhelming, but finding the right supplemental insurance plan is crucial for ensuring peace of mind and comprehensive coverage.
Aetna Medicare Supplement Plan G has gained popularity as a comprehensive plan that covers most of the gaps in Original Medicare. So, what makes this plan stand out from the rest? Let’s dive into the details and find out.
Short Summary
- Aetna Medicare Supplement Plan G offers comprehensive coverage for all Medicare-covered services, plus additional benefits.
- Compare and choose the plan that best meets your needs by considering factors such as cost, eligibility criteria, and coverage.
- Aetna is financially strong with high customer satisfaction ratings, offering wellness programs & telehealth services to support customers in managing their health & well-being.
Understanding Aetna Medicare Supplement Plan G
Aetna, a reputable life insurance company, offers a variety of Medicare Supplement plans to help individuals fill the gaps in their Original Medicare coverage.
Aetna Medicare Supplement Plan G has become increasingly popular due to the discontinuation of Plan F for those new to Medicare.
This comprehensive plan, provided by the Continental Life Insurance Company, covers the gaps in Original Medicare, including Medicare Parts A and B deductibles and coinsurance, with no networks.
While it’s essential to find a Medicare Supplement plan that covers your needs, it’s also crucial to choose from Medicare Supplement insurance plans that offer additional benefits. Aetna’s Medicare Supplement plans come with standardized benefits and the added benefits of being an Aetna member.
But what exactly does Plan G cover, and who is eligible for this plan?
Key Features of Plan G
Aetna Medicare Supplement Plan G covers all Medicare benefits provided by Medicare Part A and B, with the exception of the Part B deductible.
This means that once you’ve met your Part B deductible, you can enjoy full coverage for all the Medicare-covered services without worrying about copayments or Medicare Part B coinsurance.
Additionally, Plan G provides coverage for hospice care coinsurance and offers 80% coverage for foreign emergency care, which is the maximum amount permissible under U.S. law.
This comprehensive coverage ensures that you can focus on your health without worrying about unexpected expenses. From hospital stays to skilled nursing facility care, Aetna Medicare Supplement Plan G has you covered, so you can enjoy peace of mind knowing that your healthcare needs are taken care of.
Eligibility Criteria
To be eligible for Aetna Medicare Supplement Plan G, you must be enrolled in Original Medicare Part A and Part B and have attained the age of 65 or have a qualifying disability.
For individuals who have recently enrolled in Medicare Part B, Aetna offers a six-month open enrollment period following your enrollment, allowing you to take advantage of Medicare Supplement coverage without having to worry about medical underwriting.
By meeting these eligibility criteria, you can enjoy the comprehensive coverage provided by Aetna Medicare Supplement Plan G.
This plan ensures that you can focus on maintaining your health and well-being without the added stress of unexpected medical expenses. Additionally, you may consider a Medicare Advantage Plan as an alternative option.
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Comparing Aetna Medicare Supplement Plans
Aetna offers a wide range of Medicare Supplement plans, including plans A, B, D, G, N, C, and F, each designed to cater to different needs and preferences. While Plan G has become increasingly popular, it’s essential to understand the differences between Aetna’s other Medicare Supplement plans to make an informed decision.
Two other popular Medicare plans are Plan F and Plan N.
Medicare Plan F provides coverage for all Medicare-covered tests and procedures with no copayment, coinsurance, or deductible. In contrast, Plan N includes co-pays for primary or specialist office visits and emergency room visits but does not cover Part B Excess Charges.
Medicare Plan F vs. Plan G
Aetna Medicare Supplement Plan F and Plan G are two Medigap plans that offer comprehensive coverage but with a few key differences.
Medigap Plan F provides coverage for all gaps in Original Medicare, while Plan G covers all gaps in Original Medicare apart from the Part B deductible. However, it’s important to note that Plan F is only available to individuals who were eligible for Original Medicare prior to January 1, 2020.
Those who qualified after this date will not be in a position to join Plan F. Enrollment is not possible at this point in time.
In terms of cost, Aetna Medigap Plan F typically costs much more than Medigap Plan G on a monthly basis, before taking into consideration the spousal or household discount.
When choosing between these two plans, it’s important to consider the coverage you need and your eligibility for each plan, as well as the monthly premium costs.
Medicare Plan N vs. Plan G
When comparing Aetna Medicare Supplement Plan N and Plan G, there are a few key differences to consider. Both plans cover 100% of costs incurred after the Medicare Part B deductible has been met, but Plan N includes a small copayment at the doctor’s office or emergency room.
Plan G, on the other hand, provides coverage for all of the same benefits as Plan N, with the added benefit of covering Part B Excess Charges. Medigap Plan N is an ideal choice for individuals who do not commonly require medical services but desire coverage in the event of an emergency.
If you’re looking for more comprehensive coverage, including coverage for Part B Excess Charges, Plan G might be a better fit for your needs.
Aetna Medicare Supplement Plan G Costs
The estimated cost for Aetna Medicare Supplement Plan G is approximately $150 per month before any spousal or household discounts. It’s important to note that the premium rates for Plan G can vary based on factors such as location, age, gender, and tobacco use.
To better understand the costs associated with Plan G, let’s explore the factors affecting premiums and the potential discounts and savings available.
Factors Affecting Premiums
The premiums for Aetna Medicare Supplement Plan G can be influenced by several factors, such as age, location, and inflation. As you age, your premiums for Plan G may increase, reflecting the increased risk associated with older age groups.
Additionally, the cost of Plan G can fluctuate depending on the state or region in which you reside.
Inflation is another factor that can lead to an increase in premiums for Aetna Medicare Supplement Plan G over time. As medical costs continue to rise, insurance providers must adjust their premiums to keep up with the increasing expenses.
Understanding these factors can help you better anticipate the costs associated with your Plan G coverage.
Discounts and Savings
Aetna provides cost-saving Medicare Supplement plans with a potential household discount.
This is sure to make health care more affordable for families. By enrolling in Aetna Medicare Supplement Plan G, you can take advantage of these discounts and potentially save on your monthly premium costs.
To access these discounts and savings, you can contact a licensed agent or submit an application for Aetna Medicare Supplement Plan G.
By taking advantage of these savings opportunities, you can make your Plan G coverage more affordable and better suited to your budget.
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Enrollment Process for Aetna Medicare Supplement Plan G
The enrollment process for Aetna Medicare Supplement Plan G is relatively straightforward, with two main components to consider: the open enrollment period and the process for changing plans.
By understanding the enrollment process and the associated timelines, you can ensure that you select the right plan for your needs and avoid potential coverage gaps or delays in coverage.
Open Enrollment Period
The open enrollment period for Medicare Supplement plans is a six-month window during which individuals can enroll in a plan without undergoing medical underwriting. This period is an excellent opportunity to secure coverage without the risk of being denied due to pre-existing conditions or other health concerns.
If you miss the open enrollment period, you may not be able to enroll in a Medicare Supplement plan until the next open enrollment period. Missing this window can result in coverage gaps and potentially higher premium costs, so it’s essential to be aware of the open enrollment period and plan accordingly.
Changing Plans
If you’re already enrolled in a Medicare Supplement plan but wish to change your coverage, the process for changing plans depends on whether you’re within or outside of the open enrollment period. During the open enrollment period, you can easily change plans by contacting Aetna directly or visiting their website.
If you’re outside of the open enrollment period, you can still change plans, but you must meet specific requirements to do so. In both cases, once your new plan is approved, it will become effective on the first day of the following month.
By understanding the process for changing plans and the associated requirements, you can ensure that you have the right coverage in place to meet your needs.
Aetna's Reputation and Customer Satisfaction
Aetna has earned a strong reputation for its financial strength and customer satisfaction ratings. With high ratings from reputable credit rating agencies like AM Best and Fitch Ratings, Aetna demonstrates its commitment to providing reliable, high-quality coverage for its members.
In addition to its financial strength, Aetna offers a variety of additional benefits and services, such as wellness programs and telehealth services, which can further enhance your healthcare experience.
Financial Strength
Aetna’s financial strength is evident through its high ratings from reputable credit rating agencies such as AM Best and Fitch Ratings.
These ratings reflect Aetna’s ability to meet its financial obligations and provide reliable coverage for its members.
As a Medicare Supplement carrier, Aetna has an A rating from AM Best, demonstrating its commitment to providing comprehensive coverage and excellent customer service.
By choosing a Medicare Supplement plan from a financially strong carrier like Aetna, you can enjoy peace of mind knowing that your coverage will be reliable and secure.
Aetna’s commitment to financial strength and stability ensures that your healthcare needs will be met now and in the future.
Customer Feedback
While Aetna’s financial strength is impressive, it’s also essential to consider customer satisfaction ratings and feedback when choosing a Medicare Supplement plan.
Aetna has achieved highly favorable ratings compared to other Medicare Supplement plan carriers, with a 73/100 rating from the American Customer Satisfaction Index.
When considering Aetna for your Medicare Supplement plan, it’s important to weigh both the financial strength of the company and the feedback from other customers.
By taking both factors into account, you can make an informed decision about whether Aetna Medicare Supplement Plan G is the right choice for your healthcare needs.
Additional Benefits and Services from Aetna
In addition to its strong financial standing and customer satisfaction ratings, Aetna offers a variety of additional benefits and services that can enhance your healthcare experience. These benefits include wellness programs and telehealth services, providing you with even more resources and support to maintain your health and well-being.
Wellness Programs
Aetna offers a comprehensive selection of wellness programs to help members optimize their health and well-being.
These programs include biometric screenings, tobacco cessation programs, healthy lifestyle coaching, and prevention and wellness programs.
By participating in these programs, you can identify potential health risks and take the necessary steps to improve your health.
In addition to these programs, Aetna also provides coaching webinars, self-directed digital coaching, and a discount program for gym memberships, weight-loss programs, and other wellness services.
By taking advantage of these resources, you can prioritize your health and well-being and make the most of your Aetna Medicare Supplement Plan G coverage.
Telehealth Services
Aetna offers telehealth services that enable members to access healthcare professionals virtually, providing a convenient and cost-effective solution for managing your health.
Through telehealth services, you can communicate with a doctor by phone or video 24/7, access in-network primary care physicians and urgent care virtually, and connect with licensed doctors, pediatricians, and mental health providers.
To access these telehealth services, members can simply log in to their Aetna health plan account and follow the instructions provided. By incorporating telehealth services into your healthcare routine, you can enjoy greater convenience and flexibility in managing your health and well-being.
Frequently Asked Questions
What is Medicare Plan G?
Medicare Plan G is a type of Medicare Supplement plan that offers comprehensive coverage for out-of-pocket costs not covered by Original Medicare. It provides benefits such as hospitalization, medical services, and skilled nursing facility care, among others.
Who can enroll in Plan G?
To be eligible for Medicare Plan G, individuals must already be enrolled in Medicare Part A and Part B. Generally, anyone who meets the requirements for Medicare Supplement plans can enroll in Plan G, regardless of their health condition or pre-existing conditions.
What is the difference between Plan F and Plan G?
The main difference between Medicare Plan F and Plan G is that Plan F covers the Medicare Part B deductible, while Plan G does not. Both plans offer similar benefits, including coverage for coinsurance, copayments, and excess charges. Plan G is often considered a cost-effective alternative to Plan F.
What is the difference between Plan G and Plan N?
The primary difference between Medicare Plan G and Plan N is how they handle certain costs. Plan G covers all Medicare Part A and B deductibles, while Plan N requires beneficiaries to pay the Part B deductible and copayments for certain doctor visits and emergency room visits.
Do all companies offer the same Plan G?
While Medicare Supplement plans are standardized by the government, not all insurance companies offer the same Plan G. Although the benefits of Plan G are standardized, pricing, additional perks, and customer service may vary among insurance companies. It’s important to compare options from different insurers to find the best Plan G for your needs.
Are pre-existing conditions considered when enrolling in Plan G?
During the Medigap Open Enrollment Period, insurance companies cannot deny you coverage or charge higher premiums based on pre-existing conditions. However, if you apply for Plan G outside of this period, insurance companies may consider your pre-existing conditions and could charge higher premiums or impose waiting periods.
Can I switch from Plan F to Plan G?
Yes, if you are currently enrolled in Medicare Plan F, you have the option to switch to Medicare Plan G. However, it’s important to note that if you choose to switch plans, you may be subject to medical underwriting, and it’s crucial to compare the benefits and costs before making a decision.
Does Plan G cover prescription drugs?
No, Medicare Plan G does not include coverage for prescription drugs. If you require prescription drug coverage, you will need to enroll in a standalone Medicare Part D prescription drug plan, which can help cover the costs of your medications.
Can I use my Medicare Plan G coverage when traveling outside the United States?
Medicare Plan G does offer coverage for emergency medical services received during foreign travel. It covers 80% of emergency care received outside of the U.S. after meeting a deductible, up to the plan’s limits. However, it’s advisable to check with your specific insurance provider regarding the coverage details and limitations for foreign travel emergencies.
Are there any network restrictions with Medicare Plan G?
No, Medicare Plan G does not have network restrictions. You have the freedom to visit any healthcare provider or hospital that accepts Medicare, giving you flexibility and choice in your healthcare decisions. It allows you to see any healthcare professional who accepts Medicare patients without the need for referrals or obtaining prior authorization.
Summary
Aetna Medicare Supplement Plan G offers comprehensive coverage, filling most gaps in Original Medicare. With its strong financial ratings and customer satisfaction reviews, Aetna is a reliable choice for your Medicare Supplement needs.
By understanding the coverage, costs, and enrollment process for Plan G, as well as the additional benefits and services offered by Aetna, you can make an informed decision about your healthcare coverage.
Take control of your health and well-being with Aetna Medicare Supplement Plan G, and enjoy the peace of mind that comes with knowing you’re protected.
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Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.