Aetna Medicare Supplement Rates (2022)

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Medicare Supplement Plans

Well, when it comes to Medicare Supplement Insurance, there’s no shortage of companies that offer it. And in your area, there are probably 15 to 20 different ones.

However, there’s one company that we’ve been writing for years which is absolutely one of our favorite companies and definitely in the top 3.

Over the last decade, we’ve written thousands of people with them and they continue to have some of the lowest and competitive premiums out there.

Aetna is owned by CVS and they have an entire family of companies, not just one.

Some of the Aetna companies you might see offered for Medigap plans are:

  • Aetna Health & Life
  • American Continental life insurance
  • Continental Life insurance
  • Accendo Insurance company

Yes, believe it or not, all these companies offer Medicare Supplement plans and are part of the CVS/Aetna family.  It just depends on the state you’re in as to which division we’ll go with.

So let’s talk a little bit about what Aetna Medicare Supplement plans actually do.

Well, Medicare Supplement plans, also called Medigap, supplement Medicare Part A and B.

Now, Part A is hospitalization. B is doctor services. They don’t cover everything for you.

They cover the main things.

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The Medicare "Gaps" you have to pay

However, there are co-pays, deductibles, as well as co-insurance that you’re required to pay.

So a Medigap plan offered by Aetna or any other company helps to pay those gaps or expenses in Part A and Part B Medicare that you’re required to pay.

Now, all of the plans put out by any company are what’s called standardized.

This means that no matter which company offers a plan, they have to have identical coverage from company to company.

However, the premiums for these plans vary widely.

what each part of Medicare covers

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medicare supplement plans

Now, Medicare supplement plans are designated by letters. Although there are 10 plans offered most people only go with about 1 of three different plans.

So the most popular plans being Medicare Plan G, Medicare Plan N, and Medicare Plan F.

Medicare supplement plan F is no longer being offered to anyone new to Medicare on January 1st of 2020 or later. It simply got too expensive. But don’t worry, there are better options anyway!

Medicare Supplement Plans

Below i’ll break down the benefits of each plan so it makes more sense.

And then we’ll talk about it in a Medicare supplement plan rates.

Because like I mentioned, everybody’s got the same coverage, and Aetna’s rates are going to be entirely different than everybody else’s rates.

Aetna Medicare Supplement Plan G

Now, Plan G is now the most popular plan out there. The reason is that Plan F went away as I mentioned.

If you have a Plan F still, I highly encourage you to look at Plan G, you’ll save a ton of money.

And the only difference between Plan F and G is who writes the Part B deductible.

Just to explain the difference quickly between Plan G and Plan F, let’s take a quick look at your Plan F if you still have one:

Plan F pays the gaps of 100% in Medicare Part A & B. Those gaps are the deductibles and coinsurance.

Now, Medicare Supplement Plan G is identical to that, where you get 100% coverage, however, you just must first pay the Part B deductible yourself.

Medicare plan f vs plan g

Now here we are in 2020. You’re probably asking “Russell, how much is that deductible, by the way?”

Well, in 2020, that deductible is $198. This is a once-per-year calendar deductible.

This means you pay it once, and for the rest of the year, if you have a Plan G, that plan picks up 100% of the gaps in Medicare. Then in resets in January again.

So after $198 in 2020, you have no medical bills for the rest of the year.

So if that sounds like great coverage to you, it is! It’s fantastic coverage. And that’s why it’s the most popular plan.

Aetna Medicare Supplement Plan G rates are some of the most competitive out there. And they offer a household discount if two people are applying together from the same residence.

The great news is, they have a family of companies. In fact, we’ve got four different ones to choose from. Keep in mind though, they’re not all available in every state.

However, we’ll shop them all to see which one is available and which one has the lowest premiums for you, all for that, a Medicare Supplement Plan G.

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Medicare Plan N

Aetna Medicare Supplement Plan N

Now, another plan that is highly popular and gaining popularity as well is Aetna Medicare Supplement Plan N.

Now, why is this?

Well, Plan N is very similar to G, but it’s got lower premiums than Plan G.

Now, don’t get me wrong, you don’t get the same coverage for lower premiums. In fact, you get slightly less coverage however Plan N is still an excellent choice and a great way to save money.

Here are the benefits of an Aetna Medicare Supplement Plan N.

With Plan N, it’s just like Plan G where you still pay out of pocket, the Medicare Part B deductible.

So, again, I mentioned it is $203 for 2021.

The first $198 of your medical bills, you just pay.

Now, let me explain that deductible really quickly. That changes every year.

So in 2021 and beyond, depending on when you’re watching this video, you can have a different amount.

The rules remain the same, though.

Plan N, you write that deductible check yourself just like Plan G.

However, the difference with Plan N is after you meet that deductible, you might have a small co-pay per doctor’s visit.

The co-pay will be never more than $20. It could be less or it could be no co-pay, it’s just depending on what you go for, and how they code it.

In exchange for those lower premiums again, on Plan N over Plan G, you also might get a small co-pay if you visit the emergency room and you’re not admitted.

If you visit the emergency room, you’re not admitted and you go home, they’re going to charge you a $50 co-pay.

So, most people go to the emergency room because they have emergencies.

However, can you imagine, there are some people out there who go to the emergency room for non-emergencies? Well, it happens all the time!

Well, they’re going to tell you, “Hey, come on in, we’ll treat you. But if you go home, it’s a $50 co-pay.”

One other thing on Plan N that’s not covered is what’s called Part B Excess Charges.

These are extremely rare. It’s estimated over 97% of doctors in this country accept the assigned rates for Medicare. If you find one that doesn’t they can charge up to 15% extra of what Medicare costs are. You would have to pay a percentage of that.

Again these are quite rare and the amount would be small.

Medicare Plan N - Lower Rate Increases vs Plan G!

Plan N is a fantastic choice for one other reason as well. It has a lower rate increase than Plan G every year.

Well, when a plan has more out-of-pocket expenses, people tend to use it slightly more responsibly.

Therefore, they’re allowed to, or they have lower rates.

The rates are dictated by the number of claims that are being paid out of the group. That’s one factor.

So when you have out-of-pocket expenses, people use it more responsibly,

it can equal lower premiums as well as lower rate increases, especially over Medicare Plan G.

Medicare Supplement Plans

Medicare Plan G vs Plan F

Medicare Supplement Plans

Now, I’ll quickly cover Aetna Medicare Supplement Plan F, because I know there’s a lot of you watching who actually still have that.

Plan F, yes, you are allowed to keep the plan. But that’s not a good thing. That plan is closed off, which means you’re going to have a higher rate increase.

Historically, and I’ve been in this business a long time, anytime a Medicare supplement plan closes the rates shoot up over time.

Yes, you get to keep it, but there are no new premiums coming in to offset a higher rate increase.

So what’s a better choice?

Well, you have a couple of options. I would highly recommend we look at Plan G or Plan N for you, based on what I just said.

They’re both fantastic coverage and you’ll save a tremendous amount of money on your premiums coming down to Plan G, even after you write that deductible check.

If you’re dying to keep Plan F, you can stay with it, but you could actually switch to a different company and save money with their Plan F!

It’s ALWAYS worth shopping for a better rate, and we make it easy.

medisupps logo

The easiest way to get started is to just give us a call at 1-888-891-0229 now.

You can speak directly to me, or my agent Dianna Firth who is actually one of the top agents in the country!

We’ve been in the business for a combined 17 years and we’d love you to call and ask away with any questions you have. There’s never any obligation and our service is FREE!

Aetna Medicare Supplement Plans 2022

Now, another question we’re hearing a lot these days is “What about Aetna Medicare Supplement plans for 2022? What are they going to offer?”

Well, they’re going to offer exactly what I talked about above!

It’s going to be Plan G and Plan N, and if you have a Plan F, you can switch to their Plan F.

But there are no new big changes with Medicare Supplement plans for 2022.

So if you’re ready, let’s get you started today.

Give us a call now at 1-888-891-0229, or click below to get instant Aetna Medicare supplement rates displayed in minutes.

We’ll get you in the best spot with your Medicare supplement insurance NOW, and for years to come!