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Aetna Medicare Supplement Insurance Review

12 Customer Comments & Reviews - see all comments
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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.
 
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How is Aetna rated?

Breakdown

5.0/5
Level of Coverage
5.0/5
Services
5.0/5
Reputation and Customer Experience
5.0/5
Financial Strength

Overall Rating: 5 / 5 (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

Level of Coverage - 5 / 5

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

Services - 5 / 5

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

Reputation and Customer Experience - 5 / 5

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 5
NAIC Complaint Ratio 2017
0.65
NAIC Total Complaints 2016
20
Date Collected
2018-03-22

Aetna Financial Strength

Financial Strength - 5 / 5

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
https://www.aetna.com/
Headquarters
151 Farmington Avenue, Hartford, CT, 06156

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12 Customer Comments & Reviews

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Phil H
3/9/2024
My wife and I have Aetna Medicare Supplement plans. The processing of normal claims after approval by Medicare has been fine. However, their customer service and online access are beyond abysmal. We were recently traveling abroad and did not have my wife's Aetna policy number for service at a hospital ER. We called customer service, and they could not find her account. So we had to pay the entire bill out of pocket. Now I go to file a claim, and my wife's account cannot be accessed online. The premiums are paid monthly through Medicare, Aetna regularly pays their 20% of the Medicare claims, and we receive explanation of benefits from Aetna, so the policy is in place. I guess it is ok if... Read More

0916jarvis
10/8/2022
Extremely happy with this company's plan G. I signed up at 65 years of age and policy is issue age priced in NH. Not necessarily the lowest price in the state, but I was also interested in the financial stability of the company. It's been over a year, I've had multiple tests and labs and everything covered 100%. I paid part b deductible and then no further bills.

Kim B
8/26/2022
Horrible insurance and don’t bother wasting your time calling customer service, they just transfer the call. They do not honor the contract as to what is to be provided. Can’t wait for January so I can change to another company!

T
Taylor
1/11/2022
They will not give you your drugs and when you call to ask for an exception they will hang up on you. They will do everything possible NOT to give you your drugs. They will deny even if you been on drug for years and give the denial as your doctor needs to say why other drugs wont work thus you cannot appeal as you need a statement from doctor. They chose this option for denial so you cannot appeal even though the other drugs will cost more and it makes no sense why you would be taking them. It is a total SCAM. When you read reviews of high ratings its because they BOUGHT the plan that had the high ratings such as silver script. It was a great company until Aetna bought it. Will... Read More

A
Aleathia
11/19/2021
I have been trying to cancel a request to enroll in Aetna Medicare Value Plan. I received a letter verifying cancellation sent in October, however, on the website the account is still pending and Medicare.gov is showing that coverage with Aetna. I have talked with three representatives. I was told the cancellation was submitted, however it was pending and could take up to 7 to 10 business days to update records. I need a verification. I was told it would be sent by mail. I requested an email confirmation and was denied, from Ayoki and Ryan. I am very disappointed with the service that I received with both. If I could give a rating at less than 1 star I would.

C
C.Smith
10/22/2021
I signed up with this company 9/23/2021 they put my start date for 11/1/2021. I put in a form on 9/29/2021 to have my policy start date changed to 10/1/2021 because that is the date my Medicare part B started. This company took the money out of my account on 9/23/2021. I keep calling with long hold time and keep getting the run around. They said it could take up to 7 to 14 business days for the change. Today (10/22/2021) was the 14 business day and I called and now they are telling me it can take up to 21 business days. This company is a bad company.

rnboz70
9/13/2021
Website is one of the worst, it not worst that I have ever used. EOB are really hard to compare to billings if the provider has multiple charges (i.e. Hospital Admission).

a.capone1968
6/9/2021
Aetna is the WORST insurance company I have ever dealt with in my life. Any test my doctor orders it is denied denied denied. They denied a MRI because they wanted X-rays to rule out arthritis. I was determined "disabled" due to severe arthritis "Ankylosing Spondylitis" at the age of 42yrs old. My doctor played their game and ordered X-rays only to have MRI order denied again. Either this is TOTAL incompetence or there is a financial benefit for them to deny doctors orders. If your looking for insurance I would suggest any other company besides Aetna. Two things happened when I chose Aetna for care... the first time I used them... and the LAST time I will use them. STAY CLEAR OF AETNA... Read More

Sue E
6/8/2021
I have called 800-264-400 several times today and there is silence, after you are to select from the menu!!!!!! The voice does say, "thank you", after a minuet of dead air! Any suggestions as to talking to a live person? Susan Eshleman

K
kittyborde
2/4/2021
Their customer service is non-existent. I have tried to get a simple question answered on several occasions. I get transferred, put on a long hold, transferred again, and then hung up on. There is no one who can give me a straight answer to a simple request. The forms are extremely confusing. One form says you have 1 year to submit a claim, another form says you have 2 years. Trying to get any information is impossible. No one seems to know what they're doing. I cancelled my plan in complete frustration. This was after I filed a formal complaint with the Insurance Commission. Of course, Aetna took over 1 month to respond to the complaint. Absolutely HORRIBLE company. I will go... Read More

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