Aetna is a well-known health insurance company that offers a variety of services to seniors who have Medicare. Here’s a breakdown of what Aetna does for seniors with Medicare:
## Aetna’s Role in Medicare
Aetna provides several types of Medicare-related plans and services, which are designed to help seniors manage their healthcare costs and access additional benefits beyond what traditional Medicare offers.
### Medicare Supplement Insurance (Medigap)
Aetna offers Medicare Supplement Insurance, also known as Medigap, which helps fill the gaps in Original Medicare coverage. These plans cover costs such as deductibles, copays, and coinsurance that are not covered by Medicare Parts A and B. Aetna offers several Medigap plans, including Plan A, Plan B, Plan D, Plan G, and Plan N, each with different levels of coverage and costs. For example, Plan G is the most comprehensive option available to new Medicare members, while Plan N offers lower premiums but higher copays.
### Medicare Advantage Plans
Aetna also offers Medicare Advantage plans, which are an alternative to Original Medicare. These plans often include additional benefits like dental, vision, and hearing coverage, as well as prescription drug coverage. Medicare Advantage plans are managed care plans, meaning they require you to use a specific network of healthcare providers unless it’s an emergency. Aetna’s Medicare Advantage plans have received high ratings, with 88% of members enrolled in plans rated 4 stars or higher by the Centers for Medicare & Medicaid Services (CMS).
### Additional Benefits and Discounts
Some Aetna plans offer discounts on hearing and vision services, which can be beneficial for seniors who need these services. Additionally, Aetna provides a household discount for qualifying Medicare Supplement Insurance applicants if another adult in the household also enrolls in an Aetna Medigap plan.
### Customer Support and Resources
Aetna provides extensive customer support and resources to help seniors navigate their Medicare plans. Members can access detailed plan information, including summaries of benefits and formularies, online or by contacting Aetna’s member services.
In summary, Aetna plays a significant role in helping seniors manage their healthcare through a range of Medicare-related services, from supplementing traditional Medicare coverage to offering comprehensive Medicare Advantage plans with additional benefits.
