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Aetna Medicare Supplement Plans


Aetna is a top Medicare Supplement (Medigap) plan carrier available in most states nationwide. As one of the largest insurers in the U.S. and deemed one of the most stable Medicare Supplement providers, Aetna strives to provide a policy fit for every senior’s needs. Aetna Medicare Supplement plans are highly rated by enrollees regarding customer service, claim processing, and ease of use.

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Below, we provide all the information you need about Aetna Medicare Supplement plan availability, reviews, rate increases, and more.

Aetna Medicare Supplement Plans for 2023

Aetna Medicare Supplement plans are an easy choice when looking for a reliable company with competitive pricing and nationwide availability. When you enroll in an Aetna policy, you will receive a Medigap plan with standardized benefits plus the perks of being an Aetna member.

Typical features of Medicare Supplement plans through Aetna include:

  • 12-month rate protection on all Medicare Supplement plans
  • Household or spousal discounts in select areas nationwide
  • 30-day free look period

Further, Aetna excels at claim payment and coverage for those on their Medigap plans. Because of this, the company has earned a high rating in Medicare customer satisfaction year after year.

The top Aetna Medigap plans in all states are:

  • Medicare Supplement Plan F
  • Medicare Supplement Plan G
  • Medicare Supplement Plan N

Medicare Supplement Plan F vs G vs N Comparison

Due to Medigap standardization, Medigap Plan F with Aetna offers the same coverage as Plan F with any other carrier. The same stands true for all other lettered Medicare Supplement plans. The only difference between carriers is the monthly premium and company rating.

Aetna Medicare Supplement Plan G

Although Plan F, Plan G, and Plan N are the most popular plans, in recent years, Medicare Supplement Plan G is quickly becoming the most popular Medigap plan available due to the discontinuation of Plan F for those new to Medicare.

When you enroll in Aetna Medicare Supplement Plan G, you pay the Medicare Part B deductible yourself, and then your Medicare Supplement plan covers the rest. These benefits make Medigap Plan G the ideal choice for those new to Medicare and even those eligible for Plan F whose annual savings on Plan G premiums can exceed the Medicare Part B deductible.

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Remember, if you and your spouse each enroll in Medigap plans through Aetna, you could qualify for a discount in certain states. This means you can receive Aetna Medicare Supplement Plan G at a fraction of the cost.

Aetna Medigap Plan G can cost close to $150 each month before the spousal or household discount. However, plans in some areas will cost much less, and others are more expensive. To find the most accurate price in your area, use our rate comparison tool.

No matter which Medicare plan you choose, Medicare Supplements through Aetna have you covered with high-quality customer service.

Aetna Medicare Supplement Rates

To be transparent, all Medicare Supplement insurance companies experience rate increases – not just Aetna. So, while it’s great to know about the previous rate increases, the information is not always predictable.

Rate increase predictions are almost impossible to make. Since each carrier uses a different scale to determine its rate increase, you simply don’t know until the numbers come out. Further, rate increases differ depending on geographic location and policy type.

Overall, Aetna Medicare Supplement rate increases tend to be conservative. Increases can fall between 3% and 10% each year, depending on the plan, location, and other factors.

Aetna Medicare Supplement Eligibility

If you are new to Medicare and have recently enrolled in Medicare Part B, you are likely eligible for a Medicare Supplement plan. The six months following your Medicare Part B enrollment is your chance for Medicare Supplement open enrollment.

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You can enroll in any Medicare Supplement plan without answering underwriting health questions during this time. Aetna, however, allows you an additional six-month window to enroll in a Medicare Supplement plan without answering health questions. This timeframe begins six months before your Medicare Part B goes active.

Thus, if you wish to enroll in an Aetna Medigap plan after you first sign up for in Medicare Part B, you will have 12 full months to enroll in coverage.

Additionally, if you are enrolling in an Aetna Medicare Supplement plan after your open enrollment period ceases, you may need to answer underwriting health questions, depending on the state in which you reside. This means the carrier may deny you a policy for any reason, including pre-existing health conditions.

Aetna Medicare Supplement Reviews

Because Medicare Supplement plans offer standardized benefits, choosing a high-rated carrier for your Medigap coverage is essential. Aetna is an A-rated Medicare Supplement carrier by AM Best and receives a 73/100 from the American Customer Satisfaction Index.

While all insurance companies receive complaints, Aetna Medicare Supplement plans tend to receive less negative feedback than compliments when it comes to benefits, customer service, and claim approval.

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Overall, when compared to other Medicare Supplement plan carriers, Aetna boasts high overall ratings.

Does Aetna Medicare Supplement Cover Gym Membership?

Medicare Supplement plans only cover benefits covered under Original Medicare. Unfortunately, Original Medicare does not cover gym memberships; thus, Aetna Medicare Supplement plans do not cover gym memberships. However, there are several options available to add to your Medicare coverage to provide you with Medicare gym membership benefits.

How to Sign Up for an Aetna Medicare Supplement Plan

The best part of Aetna Medigap plans is that you can change plans anytime – if you pass medical underwriting. At MedicareFAQ, our agents can help you identify the company most likely to approve your application, and that will provide the best plan for your needs.

So, if Aetna happens to be your best option, we are here to help! But if not, we represent other top carriers to help you find your perfect fit.

Call us at the number above to obtain access to a Medicare expert at no cost. Or, complete our online rate form and an agent will reach out with your personalized Aetna Medicare Supplement plan comparison.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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