Which Aetna Medigap Plan Is Right for Me?
Choosing the right Aetna plan doesn’t have to be complicated. We’ve outlined our recommendations for the company’s various Medigap plans so you can find the one that’s right for your budget and lifestyle.
Pro Tip: For seniors enrolled in the Medicare Part A deductible plan, Aetna plans B, D, G, N, C, and F will provide the most benefits and coverage, while plans C and F are best for those enrolled in the Medicare Part B deductible plan.
Those who need basic, comprehensive coverage
In general, Aetna’s Medigap Plan A and Plan B provide comprehensive coverage for many seniors' needs, including hospital coverage, hospice care, home healthcare, and assistance with copayments for routine appointments.
Seniors who travel frequently or are in need of highly skilled care
If you need more skilled care and currently live in or plan to move to a skilled nursing facility, plans D, G, N, C, and F will limit those additional costs. These plans also provide international emergency coverage, making them reliable options for seniors who travel frequently.
Seniors on a tight budget who don’t have frequent doctor’s appointments
For seniors who don’t need to visit the doctor as often, Plan N is one of the least expensive options; however, you’ll be charged a $20 copay for every office visit and a $50 copay for emergency room visits. You should also know that Plan N copayments don’t count toward the annual Part B deductible.
Seniors with chronic health conditions or frequent appointments
Plans F and G have high deductible options, so this may not be an option for those who don’t utilize services as often to meet the deductible and receive these plans’ benefits. This may be a good option for seniors who are managing their chronic illnesses and have frequent follow-up appointments with providers and specialists, or those who may be undergoing surgery or other procedures that will meet their deductible.