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Know about Aetna medicare advantage and more

Aetna is known to be such a reputed American health insurance company which was founded in 1853. Aetna medicare advantage is considered to be one of the most popular and beneficial insurance services in the United States.

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More on Aetna medicare advantage

Aetna medicare advantage plan is likely to provide senior people with different useful Medicare coverage that will cater to their diverse needs. It is also considered as one of the effective alternative ways to avail the benefits of original Medicare plan.

As per the Aetna medicare advantage plan is supposed to cover anything and everything that are included in the Medicare Part A and B, only with the exception in hospice care. Hospice care is known to be covered under the Part A of federal program. On the other hand, there are some other Aetna advantage plans that offer exciting additional benefits like routine hearing care, dental care, vision care and prescription drug coverage.

For each state, there is supposed to be a different Aetna medicare advantage plan. Therefore, you are only eligible to avail a specific advantage plan depending on the state you live in. Each of these plans generally comes with different premiums as well as different benefits. Nevertheless, the basic benefits are same for all the advantage plans out there.

Types of Aetna medicare advantage plan

There are different kinds and types of Aetna medicare advantage plans available. Some of these kinds are described below.

  • HMO: Aetna Medicare Advantage Health Maintenance Organization plan is likely to have comparatively lower costs than the other similar plans since it uses a contracted provider network for keeping the expenses quite low.


  • HMO-POS: HMO Point of Service is nothing but some kind of variation on straight HMO model. In this plan, you are supposed to get some specific approved services outside plan’s provider network. In this case, the out-of-the-pocket cost is likely to be quite higher for these kinds of services.


  • PPO: Aetna Medicare Advantage Preferred Provider Organization plans are there to provide you with the flexibility to select any hospital or doctor according to your choice and wish. In this plan, you do not have to select any primary care provider. Moreover, you are not required to have any kind of referral from your doctor. This plan is supposed to give you coverage for the prescription drug. Services like dental, vision are also covered by this advantage plan unlike similar other service out there.








What you need to know about Blue Cross Medicare Supplement?

Medicare supplement plan is a health care plans introduced under the Medicare to provide more health care options for citizens of the United States. It is operational for certain groups of people; those who have attained 65 years  and have worked for the system and in the process paid into it, those who are young and  have disability, those who have been diagnosed with an End-Stage renal disease or kidney failure.

Supplement plan also called Part C is controlled by private institutions such as; private insurance companies, religious organizations, union and other kinds of private establishments. Part C is a kind of plan that offers many other benefits in addition to those offered by other plans namely; Medical insurance (Part A), Hospital insurance (Part B), Prescription drug coverage (Part D). It covers for your health only if you are eligible to register and also depending on the option you choose.

What you need to know about this plan?

May older adults will enroll in medicare supplement plans in 2019 to avoid high medical bills and to save money.

This Supplement is different from other health plans, because it has its own conditions, which every member should understand and work with. Below are some conditions under which this option works.

    • There has to be a membership of either Part A or Part B, before registering for Part C.
    • For drug coverage, you have to choose an option under this one that has a drug coverage plan.
    • There is continuation in payment for Medicare Part B monthly premium.
    • It is compulsory to be residential in plan’s service area.
    • This Medicare Supplement has a network of doctors, nurses or health specialists with which you have to work with if enrolled.

What else you need to know about it?

Other information you need to know about this one are:

  • In this one, there is need to start using your Medicare Supplement Plan card, instead of using your Medicare card, since health care is now provided by Medicare supplement and not your Traditional Medicare.
  • There may be annual changes and reviewing of the option by the company running it. So. There is need to get acquainted with these yearly changes.
  • There is need to ask your doctors or health care providers if they are in the network of this option, otherwise it will cost you more.
  • You will need to pay additionally for those additional benefits you receive from this plan.


The total approach to health with aetna Medicare supplement plans

Aetna medicare understands that health is more than physical. At Aetna, they believe in the need to take care of the whole of their beneficiaries — body, mind and spirit. That’s why their medicare plans take a total approach to health, so their beneficiaries can live actively for a long time. Aetna Medicare provides PDP, HMO, PPO plan with a medicare contract. They also have contracts with state medicare programs. Enrollment in any plans depends on renewal.

Special benefits of Aetna medicare plans

Many seniors will enroll in a medicare supplement plans for 2019 to avoid the excess medical bills and to save money.

Medicare Supplement Plans 2019

Aetna Medicare Supplement plans cover hospitalization and doctors in the same plan.  And they may also cover:

  • Transportation to medical appointments
  • Health coaching
  • Prescription drug coverage
  • Mental health programs
  • Meals after a hospital stay

The quick view of supplement plans provides by Aetna

Commonly there are 3 types of supplement plans available in Aetna. Let’s have a look at this.

  • Medicare Supplement Plans (with or without medicine)
  1. An alternative to HMO or PPO Plans
  2. May also cover extra benefits, like dental care or wellness programs
  3. Many plans include prescription medicine coverage


  • Medicare Prescription Drug Plans (part D)

Part D coverage is available separately or as part of many medicare supplement plans. These plans can also be added to:

  1. Original Medicare (Parts A and/or B)
  2. Medicare Supplement Plans (Medigap)
  3. Some Private Fee-for-Service Plans (PFFS)
  4. Medicare Medical Savings Account Plans (MSA)
  5. Some Medicare Cost Plans
  6. cover prescription medicine costs
  7. Designed for people with HMO or PPO
  8. Available if beneficiaries have a medical plan that doesn’t provide medicine coverage


  • Medicare Supplement Insurance Plans (Medigap)

Medicare Supplement insurance plans provide support to beneficiaries to pay for some of the costs not provided by original medicare (Parts A and B). This includes coinsurance and deductibles. This lets users to see doctors and hospitals who accept medicare. There are no network restrictions. This plan also has some other features like

  1. It works separately with original medicare coverage plan
  2. Also provide some benefits that original medicare doesn’t cover, like coinsurance, deductibles, and copayments.
  3. Allow beneficiaries to add a prescription medicine plan.


Aetna Medicare Supplement Prescription Drug plans got high ratings by the Centers for Medicare and Medicaid Services (CMS) in the annual Star Ratings. For 2018 they got the rating of 4 out of 5 stars.