Aetna Medicare Plans 2020
The selection of Medicare plans doesn’t just stop at Original Medicare. You could also choose from Medicare Advantage and Medicare Supplement plans. These are sold through private insurers, and Aetna Medicare plans for 2020 include these kinds of plans from a trusted insurer.
We want to give you some information on these types of plans, as well as what Aetna brings to the table. This should help you to make a more informed decision when it comes time to choose your healthcare plan. If you have any questions or you need some help checking the prices on these kinds of insurance plans, then please feel free to contact us or use our site.
Medicare Supplements through Aetna
While there are eight active Medicare Supplements on the market today, Aetna won’t sell all of them. They sell plans A, B, F, G and N. However, they do not make all of these plans available to every senior. Plan F, for example, is considered to be a discontinued Supplement plan. What that means is that only people who are already Plan F subscribers can get that same plan for 2020. If you don’t have it as your current coverage plan, then you will have to choose a different Supplement plan instead.
Supplement plans cover expenses that are related to Medicare parts A and B, but they do not cover any of the same expenses as those parts of Medicare. So, they can cover you for your annual deductibles, excess charges, copayments and coinsurance that you pay for each visit to the hospital or the doctor’s office and much more.
Supplement plans require an active Original Medicare plan in order to function. They will only provide you coverage if your Original Medicare plan is valid. You can sign up for a Supplement plan before you are eligible for Medicare, however- three months before you turn 65. You should sign up somewhere between there and three months after your hit 65, since that is the Open Enrollment period for Supplement plans and it will provide you with the best rates and guaranteed approval.
Aetna sells Supplement plans with some extra perks. These cost you nothing in addition to the base cost of the plan, and they can save you money on medical services that you need or use often. The majority of Aetna’s perks are discounts on medical services that are not included in Medicare plans. This could be gym memberships, dental care, massages, chiropractor care, and more. Check the local Aetna perks to see what they are, as they could differ from one location to another.
Aetna’s Advantage Plans
The Aetna insurance company also sells Medicare Advantage plans. These will give you even more powerful coverage and will help you to experience fewer out-of-pocket costs. Advantage plans all have the same base coverage, but Aetna sells a few of them with some extra coverage that gives you enough variety that any senior should consider these Aetna Medicare plans for 2020.
Aetna Sells Advantage plans with just the basic coverage, which would take care of Medicare parts A and B, as well as any emergency medical care and any urgently needed care. They also sell some higher coverage ones which can do even more for you. These will cover you for medical expenses like prescription drugs, regular checkups with your doctor for vision, hearing and general wellness, and some prescription apparatus, like hearing aids and corrective lenses.
Advantage plans come with member perks as well, and these are provided to you at no extra cost. Aetna does a good job of keeping the costs low for its Advantage plans, selling them at an average price of $70, with plans that range from $0-$200 or so. In general, the lower cost premiums are accompanied by higher annual deductibles. Deductibles can cost as much as $1,600 for an Aetna Advantage plan, but there are also some plans with higher premiums that have no deductible whatsoever.
Medicare Advantage plans are not going to be accepted in all the medical facility locations that accept Medicare plans. The are restricted to just those facilities that have an agreement with Aetna specifically. All Advantage plans are limited in this way, and you can only get full coverage from your plan if you are on your insurer’s network. That network will have its limits, and while Aetna has a very large network of hospitals, clinics and such, there will be places in the country where their plans do not give you full coverage.
However, Aetna sell Advantage plans with a few different network options. These would be plans like the PPO Advantage plan, which can give you coverage both on and off the network. You won’t get full coverage from this plan while outside of Aetna’s network, but you do get partial coverage. They also sell HMO plans, which are advantage plans that cover you just while on the network. The advantage to using an HMO plans is that they cost less than the PPO one.
How to Find the Right Plan
We have told you about a couple of different coverage options, and we think that most seniors should at least look into these two and consider them. The cost of healthcare is increasing, as is the cost of medical insurance, and it is important to have a healthcare coverage plan that is affordable and that covers you the way you need to be covered. Perhaps one of these plans can do that for you. Advantage plans and Supplement plans work differently and give you different advantages and disadvantages, and you can use our site to help compare them better.
By using our site, you can see the rates for Aetna Medicare plans for 2020 and compare them to the rates for other insurers on these same plans. This service costs you nothing, and you can feel free to come back as often as you like and use our price sourcing tools. You can also call us and talk to a health insurance expert to get the answers you need.
Compare Medicare Advantage for 2020