Aetna Medicare Supplement Insurance Review


Rating: 9.5 / 10 (Excellent)
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Aetna Insurance Company began offering participating life insurance policies in 1861. Currently, the company offers some of the least expensive health insurance plans in the United States, including individual plans, Medicare, and employer coverage. The company also provides different programs for people with chronic conditions, veteran's care, and a student loan repayment program for their employees.

How is Aetna rated?

Breakdown

9/10
Coverage
10/10
Pricing
9/10
Customer Experience
10/10
Financial Strength

Overall Rating: 9.5 / 10 (Excellent)

Aetna provides Medicare Supplement insurance plans F, G, and N for individuals, groups, and families. Besides offering affordable Medicare Supplement plans, the company also focuses on promoting health and wellness in their communities by supporting non-profit organizations and implementing grants programs. Overall, Aetna has established themselves as a top performer in the Medicare Supplement market. In addition, the company combines efficient technology with good customer service. Depending on location (or health status), Aetna can be a great choice for Medigap coverage.

Aetna Coverage

Coverage - 9 / 10

Medicare Supplement plans are standardized into 10 different policy types, designated by letters from A through N. Aetna offers Plan F, Plan G, and Plan N. These plans offer coverage along with Original Medicare (Parts A and B). Basic benefits include hospitalization, medical expenses, blood, and hospice care. Customers must have in mind that costs associated with additional benefits such as vision and dental care, hearing aids, and private nursing duty, would not be covered under any Medicare Supplement plan.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

At a Glance

Additional Benefits
Lifestyle coaching
Routine Vision or Dental Care
Hearing Aids
Private-duty nursing

Aetna Pricing

Pricing - 10 / 10

When it comes to Medicare Supplement Insurance, customers must understand that their age, exact zip code, and in some cases, their medical condition can either raise or lower the cost of their premiums. For example, Plan F—for a male, non-smoker, just turning 65—might cost $193 in Texas but $229 in California. The Aetna Individual Medicare Supplement Plans are "attained-age rated". This means the original premium will be based on the current age of the customer. Aetna offers features such as a 12-month rate lock (no increases during your first year), 30-day free look period (cancel for any reason during the first 30 days for a full refund) and household discounts.

Average Premiums

Average low premiums
$120.00
Average high premiums
$315.00

Cost

Price Stability
Yes

Aetna Customer Experience

Customer Experience - 9 / 10

One of the best things about Aetna's website is its easy-to-use personal interactive tools, where customers can learn about health, fitness, lifestyle, and pregnancy. The company also offers features like online quotes, live chat, 24/7 access to online tools, and accessibility services for people with disabilities who need assistance using the website (or mobile apps). One minor disadvantage might be that Medicare customers are not able to get an online quote but instead need to call or send an email. On the other hand, customers are able to schedule in-home visits in most parts of the country.

Support

  • Email
  • Fax

Educational Resources

  • FAQs
  • Articles
  • Glossary
  • Videos
  • Symptom checker
  • Drug interactions

Reviews

BBB Rating
A+
Trust Pilot Rating
6.1 out of 10
NAICS Complaint Ratio 2017
0.65
NAICS Total Complaints 2016
20
Date Collected
2018-03-22

Aetna Financial Strength

Financial Strength - 10 / 10

This company has been around for a long time. Aetna first opened its doors as a life insurance company in 1850. Currently, Aetna is one of the fourth largest insurance companies in the United States. A reputation for good customer service, stable rates, and the right insurance products for their customers has allowed Aetna to maintain a good position in the market. Moreover, the company holds an A (excellent) rating with AM Best and an A2 (good) financial strength rating with Moody's.

Ratings

Moody's Financial Rating
A2
AM Best Financial Rating
A

Year Founded

1853

Company Profile

Full Name
Aetna Medicare Supplement Insurance
Company Website
Headquarters
151 Farmington Avenue, Hartford, CT, 06156

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Top Rated
10 / 10
  • 9.4 Trustpilot rating
  • Unbiased Medicare experts
  • Speak to a licensed agent at any time
  • Excellent rates for each Medigap plan
  • Network includes top insurance carriers 
  • Supplemental coverage by area