What Medicare Plans Does Aetna Offer?
This article was updated on: 10/21/2018
As a Medicare beneficiary, you may have many coverage options available to you through Aetna, including Medicare Advantage plans for those who want an alternative way to receive their benefits under Original Medicare (Part A and Part B) and stand-alone Medicare Prescription Drug Plans (Part D). Medicare Supplement (Medigap) plans are also available for those who are looking for coverage to supplement their Original Medicare benefits.
Here’s a look at some of the Aetna Medicare plans you may be eligible for in your area.
What types of Aetna Medicare plans are available?
The Medicare program has four main parts: Part A and Part B (which, together, are considered Original Medicare), Part C (Medicare Advantage), and Part D, which provides coverage for prescription drugs. Original Medicare is administered by the federal government, but Medicare contracts with private insurance companies like Aetna to offer Medicare Advantage and Medicare Part D Prescription Drug Plans.
Aetna Medicare Prescription Drug Plans
If you’re enrolled in Original Medicare, you may also be eligible to enroll in a stand-alone Aetna Medicare Part D Prescription Drug Plan for prescription drug coverage to supplement your Part A and Part B benefits. These plans also require a separate monthly premium in addition to your Part B payment.
Medicare Prescription Drug Plans are meant to work alongside Original Medicare to help with prescription drug costs; they aren’t meant to provide stand-alone coverage. You’ll need to stay enrolled in Original Medicare for your hospital and medical coverage.
Aetna Medicare Advantage plans
As mentioned, Medicare Advantage plans are another way for you to get your Part A and Part B benefits. However, instead of getting your Medicare benefits through the federal program, you’ll get them directly through your Medicare Advantage plan. Some Medicare Advantage plans may also cover extra benefits like prescription drugs, wellness programs, or routine vision and dental. Depending on where you live, you may be eligible to enroll in one of the following types of Aetna Medicare Advantage plans:
- Aetna MedicareAdvantage Health Maintenance Organization (HMO) plans, which use a network of providers to lower costs and require a referral from your primary care doctor for specialist care. You’re generally not covered if you use non-network providers except for emergency or urgent care.
- Aetna MedicareAdvantage Preferred Provider Organization (PPO) plans, which use a provider network but also lets you choose providers out of network at a higher cost.*
- Aetna MedicareAdvantage Private Fee-for-Service (PFFS) plans, which lets you see any provider that accepts your Aetna Medicare plan’s terms and conditions and agrees to treat you on a case-by-case basis.
- Aetna MedicareAdvantage Special Needs Plans (SNP), which limit enrollment to people who have certain characteristics. This includes those with certain chronic conditions or diseases; those who live in institutions (such as nursing homes); or those who are dual eligible (people who receive both Medicare and Medicaid coverage). SNPs tailor plan benefits to meet the specific needs of its members.
Many Aetna Medicare Advantage plans include prescription drug benefits, also known as Medicare Advantage Prescription Drug plans. These plans combine the benefits of Part A, Part B, and Part D in one convenient plan, and cannot be combined with Medicare Part D Prescription Drug Plans or Medicare Supplement plans (also called Medigap). If you enroll in an Aetna Medicare Advantage plan, you must continue to pay your Part B premiums; you may also need to pay an additional monthly premium for your Medicare Advantage coverage, depending on the plan you choose. Some Medicare Advantage plans may have premiums as low as $0; however, be sure to consider all costs before enrolling in a plan, since these plans may offset premiums costs with higher copayments or deductibles.
In some locations, you may also be able to enroll in a Medicare Supplement (Medigap) policy to help with your out-of-pocket costs under Original Medicare. These plans are regulated by federal and state law and must
Have questions about your options for Aetna Medicare plans? You can learn more about Aetna Medicare coverage and browse plan options in your location by visiting the Aetna page.
*Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
**Aetna complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATTENTION: If you speak a language other than English, free language assistance services are available. Visit our website at www.aetnamedicare.com or call the phone number listed in this material.
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