When you compare supplemental insurance plans, you should take two steps. First, you need to figure out which Medicare supplement plans will best serve your needs. Second, you should compare various Medicare insurance companies that offer Medigap plans to find a local insurer that offers you the best value. To help with your comparison of Medicare insurance, learn a bit more about 2018 Aetna Medicare supplement plans.
If you want local information to help you compare supplemental insurance plans, we’re here to help. You can take advantage of our online Medicare quotes or call during business hours with your questions. There’s not one best choice of Medicare insurance for every Medicare beneficiary, and we want to help you find the best solution for your own needs.
2018 Aetna Medicare Supplement Plans
Lots of people first learn about Aetna because the company supplied them with health or life insurance when they were younger. They may have been employed at a job that supplied insurance benefits or purchased an individual health or life insurance plan. It’s fine to give some preference to a company that you trust, but Medicare insurance is somewhat different than health insurance for younger people, so it’s also a good idea to do a bit of homework first.
To help you compare, these are some specific facts about Aetna Medigap plans:
Household Discounts For Aetna Medicare Supplement Plans
Married couples, common-law partners, or even siblings who share a household may qualify for household discounts from Aetna. The rules for discounts vary by the state, but typically, both parties should have shared the same household for at least the last 12 months and both have Aetna policies.
As a note, lots of Medicare companies offer household discounts, but the rules can vary quite a bit. In some cases, both people need to have exactly the same supplement; in other cases, one of the people just has to be over 50. Since household discounts might also differ by state, it’s a good idea to look at these rules as they apply to your situation.
For Aetna, both Medicare supplement plans also have to be issued in the same state, but they do not have to be issued at the same time or even for the exact same plan. The discount continues on a remaining policy if one of the policy holders cancels after the 30-day free look or passes away.
These are some tips to make sure you get the Medicare supplement discount:
Aetna has been licensed to market Medicare supplement plans in many states. For instance, they began selling Medigap plans about eight years ago in New York, but they have been in Florida and California much longer.
Which 2018 Medicare Supplement Plans From Aetna Do Most People Consider?
The government has standardized the benefits for 10 plans, and 47 out of 50 states use this scheme. It’s a simple system that names the plans from A to N, and this makes it easier to compare supplemental insurance plans than some other kinds of health insurance. Since there are so many Medicare supplement plans, it can be difficult to pick the best one.
To help you compare supplemental insurance plans, consider these three popular Medicare insurance options:
There is also a high-deductible version of Plan F. You get the same robust coverage of Plan F, but you have to pay a yearly deductible first. It’s likely that Medicare will create a high-deductible version of Plan G after they phase out Plan F.
Answers to Medicare Questions
These are some answers to common questions we get that may apply to Aetna or to Medicare and Medicare supplement plans in general:
Who Qualifies for Medicare and Medicare Supplement Plans?
If you turn 65 when you first qualify for Original Medicare, federal and state rules allow you a six-month period when you can buy any Medicare supplement plans in your state. This starts when you first get Part A and B and then extends for an additional six months. Some insurers will even accept your Medicare supplement application six months before you are ready to enroll in Medicare.
If you’re under 65, you might get Medicare because you have a disability. Federal laws don’t protect your rights to buy Medicare supplement plans. Some states do have protections, but even these may limit your choices. The truth is that most disabled people who are under 65 opt for Medicare Advantage plans instead of Medicare supplement plans. When you do turn 65, you still get the same enrollment rights as anybody else.
When is Your Own Medicare Effective Date?
For most people, their Medicare effective date will be the first of the month when they turn 65 years old. Again, some people get Medicare earlier because of a disability. Others may put of enrolling in Medicare Part B because they already have health insurance from a union, a job, or the government. When you get your Medicare card, you will see your Part A and Part B Medicare effective dates on the card.
Can You Get Medicare Supplement Plans, Prescription Drug Plans, and Medicare Advantage Plans?
If you have Part A and B of Medicare, you can get either Medicare Advantage or Medicare supplement plans but not both. Many Medicare Advantage plan choices come with Part D for prescription coverage, but Medicare supplement plans don’t. If you buy a Medicare supplement, you will probably also need a Part D drug plan. If you enroll in Medicare Advantage, the plan will probably, but not always, include Part D.
Do You Automatically Get Medicare if you Get Social Security?
Many people used to take social security and Medicare when they turn 65, but this isn’t always true. For one thing, the government has increased the social security age for younger people, but Medicare’s typical age remains at 65. Qualifying for Medicare is similar to qualifying for social security for most people, but you can’t say that everybody will get Medicare and social security at the same time.
If you qualify for social security disability, you may get Medicare after you’ve taken social security disability for two years. If you take social security retirement income, you may choose to take it early or even later, but you won’t qualify for Medicare by age until you are 65.
How Do Medicare Benefits for Non-Working Spouses Work?
Most legal residents and citizens of the US can qualify for Medicare. The issue is getting Part A without paying a premium. If you’re at least 62 and have satisfied the work history requirements, your spouse can get Medicare based upon your record. If you’re under 62, a non-working spouse who is 65 may still qualify but have to pay a premium for Part A until you turn 62.
To qualify for Medicare Part A without paying a premium for it, you usually have to have at least 40 quarters, or 10 years, of work history that includes paying into Medicare and social security. If you spouse has satisfied that requirement, he or she can qualify upon her own record for free Medicare Part A.
How to Compare Medicare Supplement Plans for 2018
We can help you compare Medicare Advantage, Part D, and Medicare supplement plans for 2018 with our free quote system. You can use our quick quote system to compare local insurers at any time. Most large, nationwide insurers provide Medicare supplement plans and other kinds of Medicare insurance, but some only focus on one kind of coverage.
Alternatively, you can use the toll-free phone number to contact an agent by phone. We hope to help you choose the right Medicare supplement plans for you, your spouse, or other loved ones. We will work to make sure that you can make the most of your Medicare benefits.