Supplement plans through Aetna are worth a look for any senior who would like some more medical coverage. These plans can add on to what Original Medicare gives you and provide coverage that fills in many of those gaps in your healthcare coverage. That means fewer medical expenses will be coming out of your pockets and more will be covered by your insurance plan, often at a lower rate than what you would pay for the medical services on your own. The Aetna Medicare Supplement plans for 2020 are something we think is worth discussing, so read on to find out more about them.
How Supplement Plans Work for You
You can sign up for Medicare Supplements if you have Original Medicare. You can’t start to get coverage from the Supplement plan without that prerequisite coverage. It’s okay to sign up for both at the same time, but the Supplement plan is going to be provided by a private insurer. You can choose from insurers like Aetna and many others that offer some similar plan lineups but their own rates and member perks.
Supplement plans come in few different varieties. They can cover a wide range of medical expenses such as deductibles, coinsurance, excess charges, copayments blood and even foreign emergency medical transport costs. How much is covered by an individual plan depends on the plan. There are both high coverage and low coverage ones, and you will need to pick the one that fits your needs best.
We can help you with that- just contact our team and let us answer questions for you and point you toward the most suitable plan. We can also show you what the rates are for any plan that you are interested in. Use our site to search for individual Supplement plans and see how the prices compare.
Medicare Supplements are compatible with Original Medicare and require it in order for them to work, but they will not work with Medicare Advantage or most union and employer healthcare plans. Be sure you are getting coverage that will not overlap with anything else you have already so that you don’t need to cancel one of your plans.
Supplement plans come with year-long terms. During that time, the coverage and price will not change. The prices are up to the individual insurance carriers like Aetna to decide, but the coverage is only decided by Medicare. If the coverage is going to change, Medicare will let seniors know ahead of time so that they can prepare to switch plans or adjust for the changing cover.
Aetna’s Member Perks
Why should you choose Aetna as your insurance carrier for supplemental insurance? You do have many other insurance providers to pick from after all. Aetna might not be the very best choice for you, but we think seniors should be aware of all their options, and Aetna is certainly a good one. The Aetna Medicare Supplement plans for 2020 are going to offer some member perks that won’t cost you anything extra.
These can include full access to medical doctors. You can call a doctor at any time of day and get professional advice without ever having to leave the comfort of your own home. You can also use Aetna’s services to find out about your healthcare and insurance options. They do a great job of keeping their customers informed and letting them know about upcoming changes to their insurance plans and to healthcare in general.
Aetna will also provide drug coverage and flu shot coverage, depending on the plan you get. Be aware that some benefits are subject to availability in your area. Aetna will also help you find medical care facilities in your area and healthcare providers that will accept your plans fully and take good care of you.
You can see how Aetna’s prices compare to those of other insurance companies in your local area. Many of them offer the same or similar plan lineups, and you will want to compare prices before you settle on a plan. Our site makes it really easy to compare the rates and ensure you get a good deal. Aetna will tend to have competitive prices, but they may not always have the best rates on every plan. Factor in their rates, customer service and member perks as you try to find the best option for your needs.
Top Aetna Plans
There are a couple of Supplement plans that we want to point out to you. These are the ones that have the potential to save you the most money, but you need to be aware that your needs are particular to you and you may benefit more from a lower coverage plan.
Plan G is our top pick for the most economical plan. It covers almost all of the supplemental expenses for you. It will cover you for all the copayments for Medicare parts A and B, as well as the Part A hospice coinsurance. It also covers the skilled nursing care coinsurance costs and foreign travel exchange expenses up to 80%. Plan G will take care of the Part B excess charges for you and the Part B copayment for outpatient care, as well as any leftover blood usage costs that Original Medicare does not cover.
Plan N is a bit cheaper and covers you for a bit less. It asks that you pay for some small copayments and all of the Part B excess charges. It also does not cover the Part B deductible, but otherwise covers all supplemental expenses for you.
You may know about Aetna Medicare Supplement plans for 2020 that are not being offered to the general public, like Plan F. This is one plan you can only get if you are a current Plan F subscriber, and if you are considering this plan, we suggest you choose one of the others, as they will probably save you more money since Plan F is getting a lot more expensive each year.
Compare Medicare Advantage for 2020