Aetna Medicare Supplement Plans – 2015

Aetna Medicare Supplement Plans - Aetna Medigap Plans

Aetna offers multiple Medicare Supplement Plans. Plans are available through Aetna affiliated companies: Aetna Health and Life (AHLIC), American Continental Insurance Company (ACI) and Continental Life Insurance Company of Brentwood, Tennessee (CLI).

Like all Medigap vendors:

  • Aetna Medicare Supplement plans help with your out of pocket costs that are not covered by Original Medicare Parts A and B.
  • There are no network restrictions; you may visit any doctor or hospital at any time.
  • Processing of Medigap claims is centralized and identical from vendor to vendor. There is virtually no claims paperwork.
  • Your policy is guaranteed renewable; which means it cannot be canceled at any time.
  • You cannot be singled out for a rate increase, your premium will change only with a rate increase in your classification group in the geographic area of your state.

Aetna generally offers for people over 65 years old 5 from 10 available Standardized Medigap Plans: Medigap Plan A, Medigap Plan B, Medigap Plan F (including Plan F High-Deductible), Medigap Plan G, and Medigap Plan N. The Medigap plan benefits are defined ONLY by the type of plan you’ve selected, and not by the carrier.

Also, as with all Medigap vendors, you may be a subject to medical underwriting. The Open Enrollment Period is an exception – no underwriting is required. If you have pre-existing medical conditions, your coverage for those conditions may be delayed up to 6 months (waiting period).

Aetna offers Medigap plans in 42 US States, including all states where Liberty Medicare is licensed to do business – Pennsylvania, New Jersey, Delaware, Maryland, Illinois, and Ohio. Below are the plans and household discount for those states:

  • Pennsylvania (PA)

    • Plans: A, B, F, F (High-Deductible), G, N.
    • Household discount: 5%
  • New Jersey (NJ)

    • Plans: A, B, C, F, F (High-Deductible), G, N.
    • Household discount: 7%
  • Delaware (DE)

    • Plans: A, B, C, F, F (High-Deductible), G, N.
    • Household discount: 7%
  • Maryland (MD)

    • Plans: A, B, F, F (High-Deductible), G, N.
    • Household discount: None
  • Illinois (IL)
    • Plans: A, D, F.
    • Family discount: 7% (only one person must apply for coverage)
  • Ohio (OH)
    • Plans: A, F, F (High-Deductible), G, N.
    • Family discount: 7% (both people must apply for coverage)

Disabled people who are under age of 65 and on Medicare can buy the following Medigap plans:

  • Plan A in MD, OK, and TX
  • Plan C in NJ
  • Plans A and C in MI
  • Plans A and F in NC
  • Plans A, B and F in NY
  • Plans A, B, F and N in CA
  • All Plans in CO, FL, GA, IL, KS, KY, LA, OR, PA and TN

So, with the commonality among different Medicare Supplement providers, what differentiates Aetna from other Medigap insurance companies?  The answer is Affordable Medicare Supplement Rates.

Aetna Medicare Supplement Plans – Affordable Rates

Aetna offers Medigap plans in many US States. In some states their rates are very competitive. The tables below provide Aetna Premium vs. Premiums Range of other Medigap vendors (with A.M. Best ratings equal or above B++) for Medigap Plan F. Rates are shown for males and females ages 65 and 75. The only states where Liberty Medicare is represented are presented. For simplicity, only a single zip code is shown for each state. The Aetna rates that are the best in their category are in red color.

Female, 65 years old
 State Zip Code Location Aetna – Premium Premiums Range – Other Vendors
DE 19885 Wilmington, DE  $136.28 $132.20 – $197.75
IL 60609 Chicago, IL $150.77 $131.95 – $259.50
MD 21201 Baltimore, MD  $156.60 $145.39 – $192.19
NJ 08540 Princeton, NJ $152.25 $151.42 – $184.93
OH 43202 Columbus, OH $132.86 $125.67 – $202.67
PA 19116 Philadelphia, PA $152.44 $152.44 – $280.92

 

Male, 65 years old
State Zip Code Location Aetna – Premium Premiums Range – Other Vendors
DE 19885 Wilmington, DE $156.69 $137.37 – $227.30
IL 60609 Chicago, IL $173.26 $152.21 – $298.50
MD 21201 Baltimore, MD  $180.26  $157.67 – $220.91
NJ 08540 Princeton, NJ $169.16 $156.61 – $209.00
OH 43202 Columbus, OH $152.77 $141.27 – $233.25
PA 19116 Philadelphia, PA $175.35 $165.45 – $323.17

 

Female, 70 years old
 State Zip Code Location Aetna – Premium Premiums Range – Other Vendors
DE 19885 Wilmington, DE  $158.77 $149.20 – $294.37
IL 60609 Chicago, IL $169.02 $147.83 – $ 333.75
MD 21201 Baltimore, MD  $175.68  $165.08 – $337.87
NJ 08540 Princeton, NJ $172.58 $171.17 – $352.87
OH 43202 Columbus, OH $148.94 $138.25 – $312.37
PA 19116 Philadelphia, PA $170.93 $167.72 – $411.37

 

Male, 70 years old
State Zip Code Location Aetna – Premium Premiums Range – Other Vendors
DE 19885 Wilmington, DE $182.59 $159.65 – $294.37
IL 60609 Chicago, IL $194.42 $169.93 – $364.17
MD 21201 Baltimore, MD  $202.17 $179.85 – $337.87
NJ 08540 Princeton, NJ $191.75 $186.87 – $352.87
OH 43202 Columbus, OH $171.26 $154.97 – $312.37
PA 19116 Philadelphia, PA $196.59 $186.31 – $411.37

 

Female, 75 years old
State Zip Code Location Aetna – Premium Premiums Range – Other Vendors
DE 19885 Wilmington, DE  $180.76 $172.61 – $294.37
IL 60609 Chicago, IL $194.34 $171.83 – $368.17
MD 21201 Baltimore, MD  $202.09  $195.17 – $337.87
NJ 08540 Princeton, NJ $205.50 $202.33 – $352.87
OH 43202 Columbus, OH $171.26 $160.32 – $312.37
PA 19116 Philadelphia, PA $196.59 $192.75 – $411.37

 

Male, 75 years old
State Zip Code Location Aetna – Premium Premiums Range – Other Vendors
DE 19885 Wilmington, DE  $207.92  $193.53 – $300.58
IL 60609 Chicago, IL $223.49 $197.58 – $423.75
MD 21201 Baltimore, MD  $232.49  $207.11 – $337.87
NJ 08540 Princeton, NJ $228.33 $224.58 – $352.87
OH 43202 Columbus, OH $196.92 $185.91 – $312.37
PA 19116 Philadelphia, PA $226.24 $222.92 – $458.67

 

As you see from the tables above, Aetna Medicare Supplement Rates are the most competitive in Pennsylvania (all ages), New Jersey (all ages), Delaware (all ages), and Ohio (age 70 and above).  In other states, Aetna rates are less competitive.

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.

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