Aetna Medicare Supplement Review (2026): Cost, Pros & Cons

Aetna has seven Medigap plans that help pay for expenses not covered through Original Medicare, though specific options depend on your state:

• Plan A: Designed as the most basic option, this plan includes Part A coinsurance, up to 365 additional days of hospital coverage after Medicare benefits end and Part B coinsurance.
• Plan B: In addition to the benefits included in Plan A, Plan B pays the Medicare Part A deductible. It’s a practical middle-ground if you want slightly broader protection without paying for top-tier coverage.
• Plan C: If you qualified for Medicare before January 1, 2020, Plan C delivers extensive benefits, including both Part A and Part B deductibles, skilled nursing facility coinsurance, Part B excess charges and emergency care abroad.
• Plan D: While it doesn’t pay the Part B deductible or excess charges, this plan does take care of the Part A deductible, skilled nursing facility coinsurance and foreign travel emergency coverage.
• Plan F: The most all-inclusive option, Plan F eliminates nearly all Part A and Part B out-of-pocket expenses, including deductibles, copayments, coinsurance and excess charges. But eligibility is limited to people who became Medicare-eligible before January 1, 2020.
• Plan G: Nearly identical to Plan F in scope, this popular plan excludes only the Part B deductible.
• Plan N: Instead of covering every cost in full, this plan requires modest copayments of up to $20 for doctor visits and up to $50 for emergency room visits while still paying the Part A deductible, skilled nursing facility coinsurance and foreign travel emergency expenses.

High-deductible versions of Plans F and G are also available through Aetna. With these options, you receive the same core benefits, but coverage begins only after meeting a higher deductible. The tradeoff is lower monthly premiums in exchange for greater upfront out-of-pocket spending.

Aetna Medicare Supplement plans are sold in 44 states and Washington, D.C. In most states, Plans A, B, F, G and N are priced using an attained-age model, meaning your premium increases as you get older.

Arizona, Florida, Georgia, Missouri and New Hampshire use issue-age pricing, which sets your rate based on your age when you enroll and does not increase due to aging. Arkansas, Idaho and Vermont follow community pricing, where premiums are the same for everyone regardless of age. Minnesota and Wisconsin don’t use the standard lettered Medigap plans, instead offering their own state-specific plan designs.

Aetna Medicare Supplement premiums run below the national average across all seven of its plans for both 65- and 75-year-olds. Plan G is the most affordable option at $144 per month for 65-year-olds, $15 below the national average, while Plan D offers the largest savings at age 75, running $62 below average at $250 per month. Plan F costs $185 monthly at age 65, only $3 below average, making it the least competitive on price. 

Across all plans, the pricing advantage grows with age, which benefits long-term enrollees on Attained Age Pricing structures. If you’re prioritizing lower premiums, compare Plan G and Plan N, as both deliver consistent savings relative to national benchmarks at both age points.

Aetna Medicare Supplement plans include a number of perks beyond standard Medigap coverage. These benefits apply across plans and are worth comparing when evaluating Aetna against other providers.

• Guaranteed Renewability: Aetna can't cancel your policy as long as you pay your premiums on time, regardless of changes to your health or age.
• 12-Month Rate Lock: Your premium stays the same during your first year of coverage. This gives new enrollees a full year of pricing stability before any rate adjustment.
• 30-Day Free-Look Period: You can return your policy within 30 days of receipt for a full premium refund if you're not satisfied, with no questions asked.
• Nationwide Provider Access: Aetna Medicare Supplement plans have no network restrictions. You can see any provider in the country who accepts Medicare without referrals or prior authorization.
• Foreign Travel Emergency Coverage: Select plans, including Plans C, D, F, G and N, cover 80% of emergency medical costs outside the U.S. after a $250 deductible, up to a $50,000 lifetime maximum.

Check the table below to see which Aetna Medigap plans are in your state and the pricing model applied where you live. Keep in mind that both plan availability and the rating method can influence your starting premium as well as how your costs may adjust in the future.