Aetna Senior Products: Complete Eligibility & Coverage Guide

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Aetna.com • CMS Star Ratings • CVS Health • Verified

A plain-language breakdown of every Aetna insurance product available to seniors — who qualifies, when to enroll, what each plan actually covers, and what Aetna’s own marketing rarely tells you. Sourced from official Aetna disclosures, CMS data, and independent analysis.

🔑 10 Key Things Every Senior Should Know About Aetna Products

Aetna is a CVS Health company and one of the largest senior insurance providers in the United States, offering a wide and often confusing portfolio of products under two distinct divisions: Aetna Medicare (aetnamedicare.com), which handles Medicare Advantage and Part D plans, and Aetna Senior Supplemental Insurance (aetnaseniorproducts.com), which handles Medigap, Protection Series indemnity plans, dental/vision/hearing coverage, and final expense life insurance. Understanding which division you need, what you actually qualify for, and when you can enroll is the starting point for any smart coverage decision.

1
Who is eligible for Aetna Medicare Advantage plans? You must be enrolled in both Medicare Part A and Part B, be 65 or older (or under 65 with a qualifying disability), and live within an Aetna service area. Most people who have Medicare automatically qualify for Medicare Advantage enrollment during specified enrollment periods.
Aetna Medicare Advantage (Part C) plans are available to Medicare-eligible beneficiaries living in the plan’s geographic service area. For general enrollment, you must be 65 or older. People under 65 who have received Social Security Disability Insurance (SSDI) for at least 24 months, or who have End-Stage Renal Disease (ESRD) or ALS, also qualify for Medicare and therefore for Medicare Advantage. Aetna offers plans in 43 states plus Washington D.C., with the highest enrollment in Texas, Florida, and California. For 2026, Aetna estimates 82% of Medicare-eligible beneficiaries have access to at least one $0-premium Aetna MA plan in their area.
2
Who qualifies for an Aetna Medicare Supplement (Medigap) plan? You must be enrolled in Original Medicare Parts A and B. The best time to apply is during your 6-month Medigap Open Enrollment Period that starts when you turn 65 and enroll in Part B — during this window, you cannot be denied or charged more for pre-existing conditions.
Aetna’s Medicare Supplement plans (Medigap) are sold through Aetna Senior Products and require enrollment in Original Medicare. The guaranteed issue window — your 6-month Medigap Open Enrollment Period beginning when you first enroll in Part B at 65 or older — is the most critical enrollment window in Medicare. During this period, Aetna and all Medigap insurers must sell you any plan they offer in your state, regardless of health history, and cannot charge a higher premium for pre-existing conditions. Outside this window, Aetna can deny your application or charge more based on health status in most states. Aetna currently offers Plans A, B, F (only for those eligible before January 1, 2020), G, high-deductible Plan G, and N. Plans C, D, K, L, and M are not currently sold by Aetna.
3
What does Aetna Medicare Advantage cover that Original Medicare does not? All Aetna MA plans for 2026 include dental, vision, and hearing benefits, a SilverSneakers fitness membership, and $0 Tier 1 drug copays. D-SNP members also receive monthly OTC/grocery allowances for transportation, utilities, and personal care products.
The 2026 Aetna MA plans announced by CVS Health include standardized supplemental benefits across all individual plans: $0 routine hearing and eye exams in-network, dental coverage including fillings and other procedures, hearing aid benefits, and a SilverSneakers basic fitness membership. For dual-eligible members in D-SNP plans, Aetna provides a monthly OTC Extra Supports Wallet allowance for qualifying expenses including healthy foods, over-the-counter products, personal care, transportation, and utilities. Members who choose a high-value primary care physician receive additional funds on their Aetna Medicare Extra Benefits Card, powered by CVS Health’s OTC Health Solutions.
4
What are Aetna’s CMS Star Ratings and do they matter for choosing a plan? Yes, they matter significantly. The CMS 5-star rating system measures plan quality, customer satisfaction, and health outcomes. Aetna announced that over 81% of its MA members are in plans rated 4 stars or higher, and over 63% in 4.5-star plans, for the current plan year.
CMS star ratings, published annually by the Centers for Medicare & Medicaid Services, measure Medicare Advantage plans across multiple categories including chronic condition management, member experience, customer service, and drug plan performance. Higher-rated plans typically receive additional funding from CMS, which can translate into richer benefits for members. Aetna’s star rating announcement (October 9, 2025) confirmed that it ranks #1 among for-profit managed care organizations with over 250,000 Medicare members and that U.S. News & World Report recognized Aetna among the best insurance companies for Medicare Advantage and Part D. When comparing plans in your ZIP code, always check the star rating on Medicare.gov’s Plan Finder tool before enrolling.
5
What is the difference between Aetna Medicare Advantage and Aetna Medicare Supplement? Medicare Advantage replaces Original Medicare and typically costs less per month but has network restrictions and copays when you use services. Medicare Supplement works alongside Original Medicare, costs more per month, but gives you nationwide provider access with little or no out-of-pocket costs at the point of care.
This is the most important decision a new Medicare enrollee faces. With Aetna Medicare Advantage, you give up Original Medicare and get coverage through an Aetna network plan — often at $0 premium, but with copays when you visit doctors or specialists and restrictions on which providers you can see. With Aetna Medicare Supplement (Medigap), you keep Original Medicare and use Aetna to pay the gaps — any doctor who accepts Medicare, nationwide, with no referrals needed. Medigap premiums are higher (typically $80–$200+/month depending on your plan and location), but out-of-pocket costs at the point of service are dramatically lower. Medigap also travels with you anywhere in the country. The right choice depends entirely on your health, your travel patterns, and your monthly budget.
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What are Aetna’s Special Needs Plans (SNPs) and who qualifies? Aetna offers three types of Special Needs Plans. D-SNPs serve people eligible for both Medicare and Medicaid. C-SNPs serve people with severe chronic conditions. I-SNPs serve people living in skilled nursing or institutional care. Each has its own specific eligibility criteria.
Dual Eligible Special Needs Plans (D-SNPs) are for people who qualify for both Medicare and Medicaid — often seniors with limited income who receive both federal health programs. D-SNP members receive all standard MA benefits plus enhanced support including the monthly OTC and grocery allowance. Chronic Condition Special Needs Plans (C-SNPs) are for individuals diagnosed with one or more qualifying severe or disabling chronic conditions such as diabetes, heart failure, or COPD — and provide specialized care teams and benefit structures tailored to those conditions. Institutional Special Needs Plans (I-SNPs) serve people who require the level of care provided in a skilled nursing facility. All SNP enrollees must have Medicare Parts A and B and meet the specific condition for that SNP type.
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What is the Aetna Protection Series and who can apply for these indemnity plans? The Protection Series is a group of supplemental cash-benefit plans sold by Aetna Senior Products that pay money directly to you after a qualifying event. Products include Hospital Indemnity, Cancer and Heart Attack or Stroke, Recovery Care, Home Care Plus, and a Dental/Vision/Hearing plan. Age eligibility varies by product, with most accepting applicants up to age 89.
These products are designed to complement either Medicare Advantage or Medigap coverage by providing cash directly to the policyholder — not to the hospital — after a qualifying event. Hospital Indemnity pays a fixed daily benefit for each day of a covered hospital stay. Cancer and Heart Attack or Stroke Plus pays a lump sum for a first occurrence, with recurrence coverage available. Home Care Plus pays for medically necessary home care services for individuals recovering from illness or surgery (ages 50–89 can apply). Final Expense whole life insurance is available for individuals ages 0–89 and features guaranteed acceptance with no health questions. Bundling any Protection Series product with an Aetna Medigap policy may qualify you for a multi-policy household discount.
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When are the key enrollment periods for Aetna Medicare plans? The Annual Enrollment Period (AEP) runs October 15–December 7 each year for Medicare Advantage and Part D. Your Initial Enrollment Period (IEP) begins 3 months before you turn 65. Your Medigap Open Enrollment Period begins when you first enroll in Part B at 65 and lasts 6 months.
Missing the right enrollment window is the single most common and costly Medicare mistake. During your 6-month Medigap Open Enrollment Period (the gold standard window), you cannot be denied coverage or charged more for pre-existing conditions. During the Annual Enrollment Period (AEP: Oct 15–Dec 7), you can switch Medicare Advantage plans, drop or add Part D, or move between Original Medicare and Medicare Advantage. Special Enrollment Periods (SEPs) are available outside the AEP for qualifying life events, such as moving to a new plan service area, losing employer coverage, or qualifying for Medicaid. D-SNP members may have different enrollment rules that allow year-round enrollment in some circumstances.
9
Are Aetna Medigap premiums competitive compared to other insurers? Aetna’s Medigap premiums are generally above average in most markets. Independent analysis found Plan G premiums averaging 58% higher than the cheapest available alternative, and Plan N premiums averaging 46% higher. Aetna also has a significantly above-average complaint rate on the NAIC index.
Medigap plans with the same letter designation offer identical core benefits regardless of the insurer — an Aetna Plan G and a Mutual of Omaha Plan G cover exactly the same services. The only differences are price, company reputation, rate increase history, and any supplemental perks. BudgetSeniors.com’s analysis found Aetna’s NAIC complaint index score of 2.77 — nearly triple the industry average of 1.00. This does not mean the plans are bad; it means that before choosing Aetna Medigap purely on brand name, you should compare premiums from multiple carriers through a licensed independent broker who can show you all options. Aetna does offer a 12-month rate guarantee during your first year and a 30-day free-look period on all Medigap policies.
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How do you actually buy an Aetna senior product — online, by phone, or through an agent? Aetna Medicare Advantage and Part D plans can be viewed and compared at AetnaMedicare.com. Aetna Senior Supplemental Insurance products (Medigap, Protection Series, Final Expense) are only sold through licensed insurance agents — not directly online or by mail. You must work with a licensed agent to purchase Medigap coverage.
This is an important practical distinction. For Medicare Advantage and Part D: visit AetnaMedicare.com, enter your ZIP code, and compare available plans. You can enroll online during enrollment periods, or call 1-844-588-0041 (TTY: 711), available 7 days a week, 8 AM to 8 PM. For Medicare Supplement (Medigap) and all Protection Series products: visit AetnaSeniorProducts.com for information, but to get a quote or enroll, you must work with one of the 100,000+ licensed agents authorized to sell Aetna Senior products. Aetna does not offer online Medigap quotes or direct mail sales in most states. Free help comparing all plans — not just Aetna — is available through your State Health Insurance Assistance Program (SHIP) at 1-877-839-2675 or shiphelp.org.

Sources: AetnaMedicare.com (MA/Part D online enrollment; 1-844-588-0041); AetnaSeniorProducts.com (Medigap agent-only; 100,000+ licensed agents; 1-800-587-5139); CVS Health Press Release Oct 1 2025 (2026 MA plans; $0 premium 82% beneficiaries; dental/vision/hearing all plans; SilverSneakers; OTC Extra Supports Wallet); Aetna/CVS Press Release Oct 9 2025 (CMS Star Ratings: 81% members 4-star+; 63% in 4.5-star+; #1 for-profit MCO 250K+ members); BudgetSeniors.com Feb 2026 (Plan G 58% premium premium; Plan N 46% higher; NAIC complaint index 2.77 vs 1.00 industry avg; 12-month rate guarantee; 30-day free-look); MedigapAdvisors.com Mar 3 2026 (Plans A,B,F,G,HDG,N sold; C,D,K,L,M not sold; Plan F closed new enrollees Jan 2020; guaranteed issue open enrollment); ChoiceMutual.com Mar 2026 (0–89 final expense; multi-policy discount; agent-only sales); CompareMedicareAdvantagePlans.org Nov 2025 (eligibility Parts A+B required; IEP 3 months before 65; AEP Oct 15–Dec 7; SNP types); Aetna D-SNP page aetna.com (OTC Wallet; $0 Tier 1 drugs; personal care/transportation/utilities allowance); SHIP helpline 1-877-839-2675 shiphelp.org

🗂️ Every Aetna Senior Product at a Glance

Aetna operates two separate divisions for seniors. AetnaMedicare.com sells Medicare Advantage and Part D plans. AetnaSeniorProducts.com sells Medigap, indemnity plans, and final expense insurance — through agents only. Both have different phone numbers, different websites, and different claims addresses.

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Medicare Advantage (Part C)

All-in-one Medicare replacement. HMO, PPO, and HMO-POS options. Includes dental, vision, hearing, and SilverSneakers. Plans available from $0/month in most counties. Requires Medicare Parts A & B.

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Medicare Supplement (Medigap)

Fills gaps in Original Medicare. Plans A, B, G, HDG, and N currently sold. Nationwide coverage — any doctor accepting Medicare. Guaranteed issue during your 6-month open enrollment. Agent-only sales.

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Part D Prescription Drug Plans

Stand-alone drug coverage sold through SilverScript (an Aetna brand). $2,100 annual out-of-pocket maximum for covered drugs. $0 Tier 1 copays at in-network pharmacies. Medicare Prescription Payment Plan available.

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Special Needs Plans (SNPs)

D-SNP for dual Medicare/Medicaid eligibles. C-SNP for severe chronic conditions. I-SNP for skilled nursing residents. All include enhanced benefits and personal care teams. Requires qualifying condition plus Medicare Parts A & B.

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Protection Series Indemnity Plans

Cash-benefit plans paid directly to you. Includes Hospital Indemnity, Cancer & Heart Attack or Stroke, Recovery Care, and Home Care Plus. Sold alongside Medigap for bundled discounts. Agent-only sales.

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Dental, Vision & Hearing + Final Expense

DVH coverage for routine dental, glasses, and hearing aids. Final Expense whole life insurance (ages 0–89, guaranteed acceptance). Both sold through Aetna Senior Products agents. Not available in all states.

⚠️ Critical Distinction: Two Separate Aetna Websites, Two Different Products

AetnaMedicare.com — For Medicare Advantage (Part C), Part D plans, and Special Needs Plans. You can get quotes and enroll here during enrollment periods. Phone: 1-844-588-0041 (TTY: 711).

AetnaSeniorProducts.com — For Medicare Supplement (Medigap), Protection Series, DVH, and Final Expense coverage. Products are sold exclusively through licensed agents. Information only online. Customer service: 1-800-587-5139 (TTY: 711), Mon–Fri, 8 AM–5 PM CT. Do not confuse the two — they handle claims at different addresses and are completely separate insurance products.

📋 Eligibility Requirements at a Glance

Aetna Product	Age Requirement	Medicare Required?	Health Questions?	Enrollment Window
Medicare Advantage (MA)	65+ or qualifying disability	Parts A & B	No — guaranteed	AEP, IEP, or SEP
Medigap (Plans A,B,G,HDG,N)	65+ (or disability in some states)	Parts A & B	No during OEP; Yes after	6-mo Open Enrollment (best) or anytime with underwriting
Part D / SilverScript	65+ or qualifying disability	Part A or B	No — guaranteed	AEP, IEP, or SEP
D-SNP (Dual Eligible)	65+ or qualifying disability	Parts A & B + Medicaid	No — guaranteed	AEP or SEP (may enroll year-round)
C-SNP (Chronic Condition)	65+ or qualifying disability	Parts A & B + qualifying condition	No — guaranteed	AEP, IEP, or SEP
Hospital Indemnity (Protection)	Varies by state	Not required	Limited underwriting	Any time, agent required
Cancer / Heart & Stroke (Protection)	Varies by state	Not required	Limited underwriting	Any time, agent required
Home Care Plus (Protection)	50–89	Not required	Limited health questions	Any time, agent required
Final Expense Life Insurance	0–89	Not required	No — guaranteed acceptance	Any time, agent required
Dental, Vision & Hearing (DVH)	65+	Recommended	No — guaranteed	Any time, agent required

AEP = Annual Enrollment Period (Oct 15–Dec 7). IEP = Initial Enrollment Period (begins 3 months before 65th birthday). SEP = Special Enrollment Period (qualifying life event). OEP = Medigap Open Enrollment Period (begins when you first enroll in Part B at 65, lasts 6 months). Not all products available in all states. Verify availability at AetnaSeniorProducts.com or AetnaMedicare.com before applying.

Sources: AetnaMedicare.com (MA/D-SNP/C-SNP/Part D eligibility; guaranteed issue; no health questions); AetnaSeniorProducts.com (Medigap open enrollment; underwriting after OEP; Protection Series agent-only); ChoiceMutual.com Mar 2026 (final expense 0–89 guaranteed acceptance; Home Care Plus 50–89); MedigapAdvisors.com Mar 3 2026 (Medigap guaranteed issue 6-month window; underwriting after; Plans available); Aetna D-SNP page (Medicaid + Medicare eligibility; year-round enrollment in some cases); CMS.gov (AEP Oct 15–Dec 7; IEP 3 months before 65; SEP qualifying events)

📅 Medicare Enrollment Periods — When You Can Act

Missing the right window can cost thousands of dollars or result in coverage denial. Here are every enrollment period that applies to Aetna senior products, in order of importance.

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🌟 Medigap Open Enrollment Period (OEP) — Most Important Window of Your Life 6 months starting when you first enroll in Part B at age 65
During this one-time window, every Medigap insurer including Aetna must sell you any plan they offer in your state, at the same price as a healthy person, regardless of your health history. Pre-existing conditions do not matter. This window does not come back. Missing it means underwriting — meaning Aetna can reject your application or charge higher premiums based on your health. Apply before this window closes; you can always change plans later, but you may not get another guaranteed-issue opportunity.
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Initial Enrollment Period (IEP) 7 months: 3 months before your 65th birthday month, your birthday month, and 3 months after
Your first opportunity to enroll in Medicare Part A, Part B, a Medicare Advantage plan, and Part D. Enrolling in Part B during your IEP is what starts your Medigap Open Enrollment Period. If you delay Part B because you have employer coverage, your Medigap OEP starts when you eventually enroll in Part B — not at age 65.
3

Annual Enrollment Period (AEP) October 15 – December 7 each year (coverage effective January 1)
The main annual window to switch between Medicare Advantage plans, join or drop Part D, or move between Medicare Advantage and Original Medicare (with or without Medigap). Aetna’s 2026 AEP closed December 7, 2025. The next AEP opens October 15, 2026. Use Medicare.gov’s Plan Finder or call 1-800-MEDICARE to compare all available plans including Aetna before the window closes.
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Medicare Advantage Open Enrollment Period (MA OEP) January 1 – March 31 each year
If you are already enrolled in a Medicare Advantage plan, you can switch to a different MA plan or return to Original Medicare during this period. You cannot use this window to switch from Original Medicare to MA, or to enroll for the first time. This is your last chance to fix a plan decision made during AEP before being locked in for the rest of the year.
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Special Enrollment Period (SEP) Triggered by qualifying life events — typically 60 days from the event
SEPs allow enrollment or plan changes outside normal windows. Common qualifying events include losing employer health coverage, moving to a new plan service area, gaining or losing Medicaid eligibility, and returning from living outside the service area. D-SNP and low-income beneficiaries may have special monthly SEPs. Contact Aetna at 1-844-588-0041 or call 1-800-MEDICARE to confirm if your life event qualifies you for a SEP.

📊 Key Numbers Every Aetna Senior Shopper Should Know

🏆 CMS Star Rating (MA Members)

81% in 4★+

Over 81% of Aetna Medicare Advantage members are enrolled in plans rated 4 stars or higher by CMS for the current plan year, per Aetna’s official announcement (Oct 9 2025). Over 63% are in 4.5-star plans.

💵 Monthly Premium (MA Plans)

$0 available

Aetna offers at least one $0-monthly-premium Medicare Advantage plan in every county where plans are available. Approximately 82% of Medicare-eligible beneficiaries have access to a $0-premium Aetna MA plan, per CVS Health (Oct 2025).

💊 Drug Out-of-Pocket Max

$2,100/yr

Aetna’s 2026 Part D plans set a $2,100 annual out-of-pocket maximum for covered prescription drugs. 98% of existing General Enrollment MAPD members have $0 coverage on Tier 1 and Tier 2 drugs at preferred pharmacies for up to a 100-day supply.

📋 Medicare Part A Deductible

$1,736

The Medicare Part A hospital deductible for 2026 is $1,736 per benefit period. Most Aetna Medigap plans (G, F, N) cover this deductible at 100%. The Part B deductible is $257 for 2026 — covered only by Plan F (closed to new enrollees) and high-deductible Plan G after its annual deductible.

💡 The Household Discount Aetna Rarely Advertises

Aetna Senior Products offers a household premium discount on Medigap policies in states where it is approved. Two Medicare-eligible individuals living at the same address for the past 12 months — whether married or not — who both have (or simultaneously apply for) Aetna Medigap plans may qualify for a discount typically reported as 7% off the monthly premium. This applies to two people at the same address, not just married couples. Ask your licensed agent specifically about the household discount when comparing Aetna Medigap premiums.

Sources: CVS Health Press Release Oct 1 2025 ($0 premium; 82% beneficiaries; $0 Tier 1/2 drugs 98% MAPD members; $2,100 Part D OOP max); Aetna/CVS Oct 9 2025 (81% 4-star+; 63% 4.5-star+); BudgetSeniors.com Feb 2026 (NAIC 2.77; Plan G 58% higher; Plan N 46% higher; household discount 7%; 12-month rate guarantee); CMS.gov Part A/B deductibles 2026 ($1,736 Part A; $257 Part B); MedigapAdvisors.com Mar 2026 (Plan F closed new enrollees; Plan G covers Part A deductible; HDG annual deductible applies)

❓ Your Questions About Aetna Senior Products Answered Plainly

💡 Can I Have Both an Aetna Medicare Advantage Plan and an Aetna Medigap Plan at the Same Time?

No. This is one of the most common Medicare misconceptions. You cannot have both a Medicare Advantage plan and a Medicare Supplement (Medigap) plan simultaneously. Medicare Advantage replaces Original Medicare entirely — and Medigap is designed to supplement Original Medicare. If you are enrolled in Medicare Advantage, your Medigap plan is essentially unusable and you would be paying for coverage that provides no benefit. You must choose one path or the other. If you are currently in Medicare Advantage and want to switch to Original Medicare plus a Medigap plan, you can do so during the Annual Enrollment Period (October 15–December 7) — but be aware that in most states you will then go through Medigap underwriting, and Aetna or any Medigap insurer can decline your application based on health history.

💡 Does Aetna Medicare Advantage Include SilverSneakers?

Yes — all individual Aetna Medicare Advantage plans for the current plan year include a SilverSneakers basic fitness membership at no additional cost. SilverSneakers provides access to instructor-led group fitness classes and participating fitness locations nationwide. Note that Aetna Medigap (Medicare Supplement) plans do not include SilverSneakers — this benefit is exclusive to Medicare Advantage. Also note: SilverSneakers is not available to members enrolled in D-SNP or certain other Special Needs Plan types. Confirm availability for your specific plan by entering your ZIP code at silversneakers.com.

💡 What Changed With Aetna’s Medicare Advantage Plans and Why Were So Many Plans Eliminated?

Aetna eliminated nearly 90 Medicare Advantage plans across 34 states for the current plan year, the majority of which were Preferred Provider Organization (PPO) plans. This follows a broader industry trend driven by funding cuts from CMS and rising healthcare utilization costs that made many PPO plans financially unsustainable for insurers. UnitedHealthcare made similar cuts affecting an estimated 600,000 members. The practical impact for current members: if your Aetna plan was discontinued, you would have received a notice and had a Special Enrollment Period to choose a new plan. If you were in a discontinued plan and did not act, you were automatically enrolled in Original Medicare. Going forward, Aetna is concentrating its MA offerings in counties and states where it can maintain quality and competitive pricing — which is part of why its CMS star ratings remain strong.

💡 I Have Medicare and Medicaid. Am I Automatically Enrolled in an Aetna D-SNP?

No — having both Medicare and Medicaid makes you eligible for a D-SNP, but you are not automatically enrolled in Aetna’s D-SNP specifically. You must actively choose and enroll in an Aetna D-SNP during a qualifying enrollment period. Dual-eligible beneficiaries (those with both Medicare and Medicaid) may have special enrollment rights that allow them to switch Medicare Advantage plans more frequently than once a year. Aetna D-SNPs provide a monthly allowance on the Extra Benefits Card for over-the-counter items, and for members with a qualifying chronic condition, the wallet expands to cover healthy foods, personal care products, transportation, and utilities on top of medical coverage and $0 Tier 1 drug copays. To check D-SNP availability in your county, enter your ZIP code at AetnaMedicare.com or call 1-844-588-0041.

💡 How Do I File a Claim With Aetna Senior Products vs. Aetna Medicare?

The claims process is completely different depending on which type of Aetna product you have. Aetna Medigap (Medicare Supplement): In most cases, you do not file a claim yourself. Your provider bills Medicare first; Medicare processes the claim and automatically forwards it to Aetna for secondary payment. This is called claims crossover. If crossover fails, your provider can submit the claim directly. Medigap claims go to: Aetna Senior Supplemental Insurance, P.O. Box 14770, Lexington, KY 40512-4770. Aetna Protection Series (Hospital Indemnity, Cancer, etc.): You file directly using Aetna’s Simplified Claims Experience, which can often process a claim in approximately 90 seconds using pre-existing medical data online. Alternatively, submit by mail. Aetna Medicare Advantage: Your in-network provider files directly with Aetna. For out-of-network emergency care or self-filed claims, contact the member services number on your Aetna member ID card.

💡 How Can I Get Free, Unbiased Help Comparing Aetna Plans Against Competitors?

Three completely free resources provide independent, no-sales-pressure guidance. SHIP (State Health Insurance Assistance Program) — free Medicare counseling in every state, provided by trained volunteers with no insurance sales involvement. Call 1-877-839-2675 or visit shiphelp.org to find your local counselor. Medicare.gov Plan Finder (medicare.gov/plan-compare) — the official CMS tool for comparing all Medicare Advantage, Part D, and Medigap plans available in your ZIP code, with star ratings, drug coverage details, and estimated annual costs. 1-800-MEDICARE (1-800-633-4227) — available 24 hours a day, 7 days a week, with representatives who can walk you through plan comparisons and enrollment without selling you a specific plan. None of these resources receive commissions from Aetna or any other insurer.

Sources: Medicare.gov (MA and Medigap cannot be combined simultaneously; Plan Finder tool); AetnaMedicare.com (SilverSneakers all individual MA plans; not D-SNP; ZIP code search); Managed Healthcare Executive (90 MA plans eliminated 34 states; PPO focus; CMS funding cuts); Aetna D-SNP page aetna.com ($0 Tier 1 drugs; OTC wallet; chronic condition upgrade; AetnaMedicare.com 1-844-588-0041); BudgetSeniors.com Feb 2026 (Medigap claims P.O. Box 14770 Lexington KY 40512-4770; Simplified Claims Experience 90 seconds; crossover process); iHealthBrokers.com Oct 2025 (crossover claims; Protection Series direct filing; agent-only Medigap); SHIP helpline 1-877-839-2675 shiphelp.org; 1-800-MEDICARE 24/7

📍 Find Medicare Help and Aetna Resources Near You

Allow location access when prompted to find the most relevant free Medicare counseling, licensed insurance agents, and healthcare offices in your area. All SHIP counseling services listed below are completely free.

Finding Medicare resources near you…

✅ Five Steps to Find the Right Aetna Senior Product

Step 1: Determine which enrollment window you are in right now. If you are turning 65 and enrolling in Medicare Part B for the first time, your 6-month Medigap guaranteed-issue window is starting. This is the single most valuable window in Medicare. Use it to compare all Medigap options, not just Aetna, before it expires.
Step 2: Decide between Medicare Advantage and Medigap before you choose an Aetna product. These are fundamentally different approaches to Medicare. Aetna sells both, but a licensed independent broker can show you all carriers — not just Aetna — for each path. Free SHIP counselors (1-877-839-2675) can explain both options without any sales conflict of interest.
Step 3: Enter your ZIP code at AetnaMedicare.com or Medicare.gov/plan-compare to see what Aetna offers in your county. Not all plans are available everywhere. Aetna eliminated plans in many counties for the current plan year. Always verify plan availability before researching a specific product.
Step 4: If you want Medigap, contact a licensed insurance agent who is authorized to sell Aetna Senior Products. Aetna does not sell Medigap or Protection Series plans directly online or by mail. AetnaSeniorProducts.com provides information only. Your agent should be able to show you a premium comparison against other Medigap carriers in your state before you commit to Aetna.
Step 5: Ask your agent about the household discount and Protection Series bundling before finalizing any Medigap quote. Bundling a Medigap plan with a Hospital Indemnity, Cancer, or Final Expense policy can qualify for multi-policy discounts. Two people at the same address who both have Aetna Medigap may qualify for a 7% household premium reduction in eligible states.

🚨 Three Costly Mistakes Seniors Make With Aetna Products

Waiting until after their Medigap Open Enrollment Period to apply. The guaranteed-issue window is a once-in-a-lifetime right. Many seniors delay applying for Medigap until health problems appear — at which point Aetna and every other insurer can legally deny the application or charge higher premiums based on health history in most states. Apply during your 6-month window even if you are perfectly healthy.
Choosing Aetna Medigap based on brand name without comparing premiums. All Plan G policies, regardless of insurer, cover exactly the same services. Independent analysis shows Aetna Medigap premiums averaging 46%–58% higher than the least expensive alternative in many markets. The only appropriate reason to pay more is meaningful differences in company stability, rate increase history, or supplemental perks — not the brand name alone.
Confusing Aetna Medicare Advantage and Aetna Senior Supplemental products. These are sold by different Aetna divisions, through different channels, with different phone numbers and claims addresses. A Medicare Advantage plan from AetnaMedicare.com and a Medigap plan from AetnaSeniorProducts.com cannot be used at the same time. Attempting to use both results in wasted premiums. Always confirm which division you are working with before purchasing any Aetna senior product.

© BudgetSeniors.com — This guide is independently researched and written. We are not affiliated with, compensated by, or endorsed by Aetna, CVS Health, or any insurance company. All eligibility requirements, plan details, and enrollment rules are verified from official Aetna and CMS sources as of March 2026. Medicare plan availability, benefits, and premiums change annually — always verify current plan details at AetnaMedicare.com, AetnaSeniorProducts.com, or Medicare.gov before making any coverage decisions.

Aetna Medicare: 1-844-588-0041 (TTY: 711) • AetnaMedicare.com • Aetna Senior Products: 1-800-587-5139 (TTY: 711) • AetnaSeniorProducts.com • Free SHIP Counselors: 1-877-839-2675 • shiphelp.org • Medicare Plan Finder: medicare.gov/plan-compare • 1-800-MEDICARE (1-800-633-4227, 24/7)

Primary sources: AetnaMedicare.com (MA plans; D-SNP; C-SNP; Part D SilverScript; SilverSneakers individual MA only; not Medigap; ZIP code search; 1-844-588-0041 TTY 711); AetnaSeniorProducts.com (Medigap agent-only; Protection Series; DVH; Final Expense; 1-800-587-5139; claims P.O. Box 14770 Lexington KY 40512-4770); CVS Health Press Release Oct 1 2025 (2026 MA benefits; all plans dental/vision/hearing; $0 routine hearing/eye exam in-network; SilverSneakers; OTC Extra Benefits Card; OTC Health Solutions; $0 Tier 1/2 drugs 98% MAPD members; $2,100 Part D OOP max; 1-844-588-0041); Aetna/CVS Press Release Oct 9 2025 (81%+ 4-star; 63%+ 4.5-star; #1 for-profit MCO 250K+ members; U.S. News 2026); Managed Healthcare Executive (90 MA plans eliminated 34 states; PPO plans; CMS funding cuts; UHC 600K members cut; AEP Oct 15–Dec 7 2025); BudgetSeniors.com Feb 2026 (NAIC complaint 2.77 vs 1.00; Plan G 58% premium difference; Plan N 46%; household discount 7%; 12-month rate guarantee; 30-day free-look; claims crossover; Protection Series Simplified Claims 90 sec; physical office 1021 Reams Fleming Blvd Franklin TN 37064); MedigapAdvisors.com Mar 3 2026 (Plans A,B,F,G,HDG,N sold; C,D,K,L,M not; Plan F closed Jan 2020; guaranteed issue OEP; underwriting after; Part B deductible $257 2026; Part A deductible $1,736 2026; HDG deductible $2,870 2025); ChoiceMutual.com Mar 2026 (final expense 0–89 guaranteed; Home Care Plus 50–89; multi-policy discount; agent-only all SSI products; no online direct sales); iHealthBrokers.com Oct 2025 (Protection Series cash-benefit; Hospital Indemnity direct pay; crossover Medigap; 7% household discount states); Aetna D-SNP page aetna.com (Medicaid + Medicare required; OTC wallet; chronic condition Extra Supports; $0 Tier 1; personal care/transport/utilities; D-SNP year-round SEP); medicare.org Feb 2026 C-SNP (qualifying chronic conditions; Parts A&B required); CMS.gov (AEP Oct 15–Dec 7; IEP 3 months before 65; MA OEP Jan 1–Mar 31; SEP qualifying events; Plan Finder medicare.gov/plan-compare); SHIP 1-877-839-2675 shiphelp.org; 1-800-MEDICARE 1-800-633-4227 24/7

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