• Aetna offers Medigap plans A, B, F, high-deductible F, G, and N in many areas throughout the United States.
  • Aetna doesn’t offer Medigap coverage in Connecticut, Hawaii, Maine, Massachusetts, New York, Washington, or Washington, D.C.
  • Insurance companies aren’t allowed to offer plans C and F to enrollees who are new to Medicare as of January 1, 2020.

Aetna is among the most widely known insurance providers in the United States. It offers several Medigap policies to help you pay for costs leftover from your original Medicare (parts A and B) coverage. Medigap is also known as Medicare supplement insurance.

With healthcare costs rising dramatically in many markets, a Medigap policy might help you feel more secure in keeping pace with the cost of maintaining good health.

Read on to learn about the coverage Aetna’s Medigap plans offer, where they’re available, and how much they may cost.

In 2021, Aetna offers these plans in most states:

Plans offered may differ based on your location.

Aetna does not offer Medigap plans in the following states:

  • Alaska
  • Connecticut
  • Hawaii
  • Maine
  • Massachusetts
  • New York
  • Washington state
  • Washington, D.C.

Aetna only offers its Basic plan in Wisconsin. In Minnesota, Aetna offers plans including Basic, Extended Basic, High Deductible, and more.

All of Aetna’s Medigap policies cover what it calls Basic benefits. These include:

  • Part A coinsurance, plus an extra 365 days of coverage beyond your Medicare benefits
  • Part B coinsurance (your 20 percent of the cost of medical services) or your copays for medical care
  • the first 3 pints of blood you need every year
  • coinsurance for hospice care covered under Medicare Part A

Depending on the plan, other benefits may include coverage of your coinsurance for care in a skilled nursing facility, excess charges for medical services, and emergency care when you’re traveling outside the United States.

The table below provides an at-a-glance comparison of each plan’s benefits and coverage.

ABC*DF/high-deductible F*G/high-deductible GN
Hospitalization: Part A coinsurance, plus an extra 365 days of coverage once you use your Medicare benefitsYY Y YY YY
Medical expenses: Part B coinsurance or copays for outpatient careYY Y YY YY**
Blood: first 3 pints you need each yearY Y Y YY YY
Hospice: Part A coinsuranceY Y Y YY YY
Skilled nursing facility coinsurance N NY Y Y YY
Part A deductible NY Y YY YY
Part B deductibleN NY NY N N
Part B excess charges N N NN Y Y N
Foreign travel emergency medical care N NY Y Y Y N

*Plan C and Plan F are only available to those who were eligible for Medicare before January 1, 2020.

**This plan requires you to pay part of the coinsurance for some doctor’s office and emergency room visits.

The cost of Aetna’s Medigap plans varies depending on a several factors, including your age and location.

Here’s a range of 2021 Medigap rates in a few different U.S. cities for people who are 65 years old:

Monthly premium in Atlanta, GAMonthly premium in Phoenix, AZMonthly premium in Toledo, OHMonthly premium in Chicago, IL
Plan A$96–$285 $79–$456$69–$366$73–$326
Plan B$115–$321$116–$391$105–$354$108–$369
Plan C$150–$406$132–$488$131–$440$135–$460
Plan D$123–$328$116–$348$118–$336$109–$360
Plan F$139–$409$117–$518$128–$443$128–$462
Plan F with high deductible$42–$81$38–$82$30–$66$32–$107
Plan G$107–$335$99–$464$101–$426$106–$436
Plan G with high deductible$42–$69$39–$77$30–$66$32–$76
Plan N$93–$266$82–$372$85–$379$84–$415

It’s important to remember that for all plans, except Plan C and Plan F, you’ll pay the Medicare Part B premium in addition to your monthly Medigap premium.

Since costs for Medigap plans vary so widely, compare plans from several providers in your area before you choose one. Medicare provides a Medigap plan finder tool that allows you to type in your ZIP code and compare the plans available near you.

In most cases, Medicare covers the majority of the costs for your healthcare, but you’re also responsible for paying a portion of your costs.

Medigap plans, also known as Medicare supplement plans, help you pay for costs that aren’t covered by original Medicare (Part A and Part B). These costs can include:

  • copays
  • coinsurance
  • excess charges

The federal government standardizes the coverage that each type of plan provides, but not every plan will be offered in the state where you live.

If you live in Minnesota, Wisconsin, or Massachusetts, these states may offer Basic and Extended Basic plans that differ from the coverage offered under the other plans.

It’s also important to know that you can use a Medigap plan only if you have original Medicare. Medigap insurance cannot be used with Medicare Advantage Part C) plans.

How do Medigap plans work with Part D?

New Medigap plans don’t include prescription drug coverage as of 2006. If you’re already enrolled in an older Medigap plan that includes prescription drug coverage, you can keep it.

However, this coverage probably won’t be considered “creditable prescription drug coverage” according to Medicare. If your plan’s prescription coverage is not creditable, you may be charged a penalty if you wait to enroll in a Medicare Part D plan.

If you do enroll in a Medicare Part D plan, Medicare advises you to contact Aetna to have the prescription drug coverage removed from your Medigap plan.

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Aetna offers Medigap plans A, B, C, D, F, high-deductible F, G, high-deductible G, and N in most markets in the United States.

All of Aetna’s Medigap plans cover coinsurance or copays (or both) for Part A and Part B services. Plus, some plans offer additional benefits, such as coverage of coinsurance for skilled nursing facilities, hospice care, and emergency medical care when traveling abroad.

Plans differ in their specific benefits and costs, so compare plans carefully before you decide which one best matches your budget and needs.

This article was updated on November 20, 2020, to reflect 2021 Medicare information.

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