Christian Worstell | November 27, 2023
Aetna sells Medicare Supplement Insurance, or Medigap, plans across the U.S. And Plan G is one of the most popular Medigap plans, with 32% of all Medigap beneficiaries choosing Plan G.1 Only Plan F is more popular.
In this Aetna Medicare Plan G review, we take a detailed look at what Plan G covers, how much it may cost, how you can enroll and more.
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What Does Aetna Medicare Supplement Plan G Cover?
Medicare Supplement Insurance, also called Medigap, helps pay for out-of-pocket expenses like deductibles, copayments and coinsurance that you face when you get care covered by Original Medicare (Medicare Part A and Part B).
If you’re brand new to the world of Medicare Supplement Insurance, you can read this Medigap guide from Medicare.gov, the official website of Medicare, to learn more.
There are nine types of Medicare costs that can be covered by one of the 10 standardized Medicare Supplement plans available in most states. Medicare Plan G from Aetna – and Plan G from any other insurance company – fully or partially covers eight of those nine Medicare costs. The chart below shows what Aetna Plan G covers.
| Medicare Cost | What It Is | What You Pay With Plan G |
|---|---|---|
| Part A deductible | $1,632 per benefit period in 2024, which you must pay each time you're admitted for inpatient care during a benefit period before Part A coverage kicks in | $0 |
| Part A coinsurance and hospital costs | $408 per day for days 61-90 of an inpatient stay per benefit period. $816 per day for stays longer than 90 days (Part A covers up to 60 additional days total in your lifetime) | $0 |
| Part B deductible | $240 per year in 2024, which you must pay before Part B medical insurance benefits kick in | $226 |
| Part B copayments and coinsurance | 20% of the Medicare-approved amount for treatment, typically | $0 |
| First three pints of blood | Original Medicare only pays for blood needed for a transfusion starting with the fourth pint. | $0 |
| Part A hospice copayments and coinsurance | Up to 5% coinsurance for inpatient respite care and up to $5 copayments for medications and other products designed for pain relief and symptom control | $0 |
| Skilled nursing facility coinsurance | Up to $204 per day for days 21-100 of an inpatient stay during a benefit period, and all costs beyond 100 days | $0 |
| Part B excess charges | Up to 15% more than the Medicare-approved amount | $0 |
| Foreign travel emergency care | Original Medicare doesn't typically pay for emergency care received in a foreign country | 20% of costs |
Plan G doesn’t pay for the Medicare Part B deductible. This deductible is $240 per year in 2024, which is potentially far less of a financial responsibility than many of the other costs Plan G does cover.
Aetna Medicare Supplement Plan G covers 80% of the cost of foreign emergency care, which is the maximum amount allowed by U.S. law.
How Much Does Aetna Medicare Supplement Plan G Cost?
The cost of Aetna Medicare Supplement Plan G will vary according to location, gender, tobacco use, age and when you apply for a policy.
The following example premiums are taken from the Medicare.gov plan finder tool in October 2023 for plan year 2024 and apply to a 65-year-old woman who doesn't use tobacco and lives in the following ZIP codes. This is not a complete list of plans available in each ZIP code.
Plan premiums vary and may be different where you live, and there may be more, fewer or different plans available where you live. Contact a licensed insurance agent or compare plans online to find your local options.
| Example Applicant | Sample Aetna Plan G Premium |
|---|---|
| Denver, CO (80014) | $184.84 |
| Dallas, TX (75001) | $141.11 |
| San Diego, CA (91911) | $207.58 |
| Philadelphia, PA (19019) | $153.77 |
| Salt Lake City, UT (84092) | $135.95 |
You can request a free quote for Aetna Medicare Supplement Plan G by visiting Aetna-MedicarePlans.com. You can find out how much Aetna Plan G costs where you live, learn about discounts that may be available and more.
Does Aetna Medicare Supplement Plan G Have a Deductible?
Aetna sells two different versions of Medicare Supplement Plan G.
- Standard Plan G contains no deductible and coverage begins with the very first use.
- High-deductible Plan G includes an annual deductible of $2,800 in 2024. Plan coverage does not kick in until you meet spend deductible amount on covered care. The tradeoff for the deductible is that the monthly premiums for this plan are typically much lower.
The deductible amount for high-deductible Plan G is standardized by Medicare and is required for every insurance company, including Aetna Plan G.
Where Is Aetna Medicare Supplement Plan G Sold?
Aetna sells Medicare Supplement Insurance plans in 44 states and the District of Columbia, excluding only Connecticut, Hawaii, Maine, Massachusetts, New York and Washington.
Plan G is typically part of the Aetna plan lineup in every area where the company sells coverage.
Does Aetna Medicare Supplement Plan G Cover SilverSneakers?
Aetna Medicare Supplement plans do not include a membership to the popular fitness program SilverSneakers. However, Aetna Medicare Advantage plans may cover SilverSneakers.
An Aetna Medicare Advantage plan covers all of your Medicare Part A and Part B benefits, and many plans also offer additional benefits not found in Part A or Part B, such as coverage for dental and vision care, prescription drugs and even SilverSneakers programs.
It’s important to note Medicare Advantage plans and Medigap plans are very different, and you can’t have each type of coverage at the same time.
Learn more about Aetna Medicare Advantage plans.
When Can I Enroll in Aetna Medicare Supplement Plan G?
You can apply for Aetna Medicare Supplement Plan G anytime. However, the best time to do so is during your Medigap Open Enrollment Period or during another time when you have guaranteed issue rights.
Your Medigap Open Enrollment Period begins the first month you are at least 65 years old and are enrolled in Medicare Part B, and it lasts for six consecutive months.
During your six-month Medigap Open Enrollment Period, you have guaranteed issue rights, which means insurance companies are not allowed to perform medical underwriting and base your premiums on the status of your health.
If you wait to sign up for Medicare Supplement Insurance until after your Medigap Open Enrollment Period or when you don’t have guaranteed issue rights, you may be subject to medical exams and questionnaires that may drive up the cost of your plan or cause you to be denied coverage altogether based on your health.
How Can I Enroll in Aetna Medicare Supplement Plan G?
Learn more about the Aetna Medicare Supplement plans available where you live, which may include Plan G. You can also call to chat with a licensed insurance agent about your Aetna Medigap options and Plan G costs.
