Aetna Plan Finder: Find and Compare Medicare Plans
- Use an Aetna Medicare plan finder to learn more about Medicare Advantage and Medicare Supplement plans from Aetna available where you live, including what they cost, what they cover and more.
How can you decide which type of Medicare plan best fits your needs? How do you find a plan available where you live? And how and when can you enroll?
Use an Aetna plan finder to compare Aetna Medicare Advantage plans or Medicare Supplement plans that may be available where you live.
|Plan Type||What Your Coverage Can Do||Find Plans|
|Medicare Advantage (Medicare Part C)||
- One simple plan that combines your your Medicare Part A and Part B benefits
|Medicare Supplement (Medigap)||
- One plan that helps pay your Part A and Part B "gaps," such as copays, coinsurance and deductibles- No provider or hospital network restrictions
- Your plan is accepted by any doctor or provider who accepts Original Medicare
- If you apply during your Medigap Open Enrollment Period, you can't be denied coverage for pre-existing conditions.2
What Kind of Aetna Medicare Plan Do You Need?
Different Aetna plans serve different purposes. Determining which type of plan is right for you begins with deciding what you want from your coverage.
- If you want some help paying for your Original Medicare (Part A and Part B) out-of-pocket costs like deductibles, copayments and coinsurance, an Aetna Medicare Supplement plan (also called a Medigap plan) may be right for you.
- An Aetna Medicare Advantage plan combines your Medicare Part A and Part B benefits into one simple plan. Most Medicare plans also cover things Original Medicare doesn’t cover, such as prescription drugs, dental, vision, hearing fitness memberships and more.
Medicare Advantage plans and Medicare Supplement plans are very different types of insurance. You can’t have both types of plans at the same time, so you should consider which type of coverage is best for your unique needs.
It’s important to remember that plan availability, benefits, costs and coverage may vary depending on where you live. Be sure to compare multiple plans that are available in your ZIP code. If you need help, you can call to speak with a licensed insurance agent to learn more.
Aetna Medicare Supplement Plans
Medicare Supplement, or Medigap, picks up many of the out-of-pocket costs that are required by Original Medicare. An Aetna Medicare Supplement plan can help lower your out-of-pocket health care spending while bringing greater predictability to your budget.
Aetna Medicare Supplement plan selection may vary by state, but you can typically expect to find some of the most popular Medigap plans such as Plan F, Plan G and Plan N.3
Learn more about Aetna Medicare Supplement plans that may be available where you live.
Aetna Medicare Advantage Plans
Medicare Advantage, also known as Medicare Part C, provides all the same coverage as Medicare Part A and Part B. Many Aetna Medicare Advantage plans offer extra benefits that are not found in Original Medicare.
With Aetna, these extra benefits may include coverage for things like vision and dental care, prescription drug coverage, memberships to gyms and fitness programs and more.
Aetna sells four basic types of Medicare Advantage plans:
- HMO (Health Maintenance Organization)
An Aetna HMO plan uses a primary care physician for care coordination and referrals within a network of participating providers. Coverage is good only within the Aetna network.
- PPO (Preferred Provider Organization)
PPO plans also use a network of participating providers but also often grant at least some coverage when seeking care outside of the network. PPO plans do not require the use of a primary care physician or a referral for specialist care.
- HMO-POS (HMO Point-Of-Service)
Aetna HMO-POS plan works similar to an HMO but allows for out-of-network coverage of dental care.
- D-SNP (Dual-eligible Special Needs Plans)
These Aetna plans are designed for those who are eligible for both Medicare and Medicaid and include a set of benefits that caters to the needs of these individuals.
Learn more about Aetna Medicare Advantage plans that may be available where you live.
Aetna Medicare Part D Plans
Aetna Medicare Part D plans cover prescription drugs, which are not covered by Original Medicare.
Aetna sells three SilverScript Part D plans designed to meet the needs of Medicare beneficiaries who want to add Medicare drug coverage to their benefits.
Learn more about Medicare Part D plans available where you live.
When to Enroll in Aetna Medicare Plans
You may enroll in an Aetna Medicare Advantage or Medicare Part D plan during:
- Your Initial Enrollment Period, which begins three months before you turn 65 years old and continues for seven months.
- The Annual Enrollment Period, often called the fall Medicare Open Enrollment Period, which takes place from October 15 to December 7 each year.
- A Special Enrollment Period, which can take place at any time but must be granted by Medicare if you experience a qualifying life event.
You may enroll in an Aetna Medicare Supplement plan at any time during the year if you’re eligible, but the best time to apply is during your Medigap Open Enrollment Period.
During your Medigap Open Enrollment Period, you have something called guaranteed issue rights. These protect you from insurance companies using health questions or other medical underwriting to determine your Medigap plan costs and eligibility.
Your Medigap Open Enrollment Period begins the day you are at least 65 years old and enrolled in Medicare Part A and Part B.
Where Can You Use an Aetna Medicare Plan?
Aetna Medicare Advantage and Medicare Part D plans can be used at thousands of doctor’s offices, hospitals, pharmacies and many other types of health care providers, depending on the coverage rules of your specific plan.
Most Medicare Advantage plans and Part D plans have rules about what doctors and providers accept the plan. Be sure to check with your plan provider and consult your plan documents to make sure your doctor is part of the Aetna provider network.
Aetna Medicare Supplement plans can be used with any health care provider who accepts Original Medicare.
You can also learn how to locate Aetna Medicare dentists online.
Freed M, et al. (Nov. 22, 2021). Medicare Advantage 2022 Spotlight: First Look.
Kaiser Family Foundation. https://www.kff.org/medicare/issue-brief/medicare-advantage-2022-spotlight-first-look.
Your Open Enrollment Period is a 6-month period that begins the day you are both 65 years or older and enrolled in Medicare Part B. If you do not enroll in a Medicare Supplement Insurance plan during your Open Enrollment Period, your insurer may use medical underwriting to determine your premium amounts and eligibility.
AHIP. (March 2022). The State of Medicare Supplement Coverage Trends in Enrollment and Demographics. https://www.ahip.org/documents/202202-AHIP_MedicareSuppCvg-02_v03.pdf.