Are you a senior looking for the peace of mind that comes with having comprehensive health coverage? If so, you should consider Aetna Senior Products Plan G. As one of the most popular supplemental healthcare options, this plan gives seniors reliable coverage and affordable costs.
While many seniors are very familiar with Aetna Senior Products Plan F as being their most comprehensive benefits plan, the Aetna Senior Products Plan G is almost identical in coverage except that it does not provide coverage for the annual Medicare Part B deductible. Read on to learn more about what makes Aetna senior products plan G one of the best options out there for older Americans.
Click here for a summarized printable version of Aetna Senior Product Plan G.
Get Your FREE Aetna Senior Product Plan Quote
Overview of Aetna’s Senior Products Plans
Many retirees prefer to have a comprehensive healthcare plan that meets all their needs. Aetna Senior Products are designed to provide coverage for a wide range of healthcare services, including hospitalization, skilled nursing care, and physician services. With Aetna Senior Products Plan G, seniors have the freedom to choose their healthcare providers without worrying about the restrictions of a network.
In addition, the plan offers coverage for excess charges beyond what Medicare pays, ensuring that seniors have the protection they need against unexpected medical expenses. Overall, this Aetna’s Senior Product is an excellent option for seniors who want comprehensive coverage and flexibility in their healthcare plan.
What Is the Aetna Senior Product Plan G?
It is also called Medigap Plan G, or Medsup Plan G, no matter the name it is still an optional insurance product that is offered through private insurance companies.
This Aetna Senior Product Plan G would work in parallel with Medicare Part A (which is hospital insurance) and Medicare Part B (which is medical insurance)
Medsup insurance plans generally help you fill the gap of coverage that is left by Original Medicare.
The states of Massachusetts, Minnesota & Wisconsin don’t actually offer this Aetna Senior Product Plan because they provide their own standard Medigap benefit plans.
- Medicare Part A hospital coinsurance
- 365 Hospital Reserve Days
- Part A hospice care coinsurance or copayment
- Part A deductible
- Medicare Part B preventive care coinsurance coverage
- Part B coinsurance or copayment coverage
- Part B excess charges (see below for how this works)
- First three pints of blood for a medical procedure, if the hospital has to buy blood
- Skilled Nursing Facility (SNF) care coinsurance coverage
- Foreign travel emergency coverage, up to the plan limit
Benefits and Coverage
If you’re in the market for a new Aetna Senior Product plan, this might be just what you’re looking for. This plan offers comprehensive coverage that can give you peace of mind in your healthcare decisions. With this plan, you’ll have coverage for your Medicare Part A deductible, which can save you money in the long run. You’ll also have coverage for skilled nursing facility care and a full year of foreign travel emergency coverage.
When it comes to outpatient care, this Medsup plan covers all but the first $240 in expenses, which is the Part B deductible for 2024. The Part B deductible will be $257 for 2025.
You will be responsible for the deductible at your first outpatient care visit for the year.
After that, this Aetna Senior Product Plan G covers all the remaining expenses.
Medicare will pay 80% of your outpatient costs, and your Medsup plan will pay the other 20%.
Another great benefit of this medsup plan is that it doesn’t require you to pay any out-of-pocket costs other than your annual Part B deductible for Medicare-covered services, which can be a huge relief for those on a fixed income. Overall, this medsup plan is a great option for those who want comprehensive coverage without breaking the bank. The chart below shows just how comprehensive this Supplement Plan is with Aetna and other carriers.
Extensive Coverage
Since we will shop your rates, we are generally able to find a medsup plan that will save you a good amount in monthly premiums over a Plan F.
We have an example below of how the savings would work for a 73 year old female going from a Plan F to a Plan G:
Jeremy Ryan, an Independent Advisor of Diversified Senior Services says that “G is a great deal due to the price compared to plan F. Usually $30+ cheaper a month!”
Medsup Plan G & Part B Excess Charges
Some Doctors won’t accept the Medicare-approved Payment rate as the full payment, and that’s mainly where these excess charges come from.Don’t worry though because providers that don’t accept the payment assignment schedule can only charge up to 15% in excess charges above the Medicare-approved amount.This benefit alone can save you thousands of dollars in expenses annually if you are in a situation where you get Part B Excess charges.
Get Your FREE Aetna Senior Product Plan Quote
What This Aetna Senior Product Plan Won’t Cover
- Prescription Drugs
- Long Term Care
- Vision / Eyeglasses
- Dental
- Hearing
- Private Nursing
Keep in mind that before January of 2006 Medsup plans covered prescriptions; however, that is no longer the case.
It is possible that some people have been grandfathered into a plan that has that coverage, but no new Medigap plans will have those benefits.
If you decide to get coverage through At senior benefits we will assist you with getting a dental plan.
We will make sure all of your prescriptions are covered and help you select a plan that fits your needs.
You Pay Your Part B Annual Deductible
This will need to be paid for any outpatient services first before Original Medicare, or Your Aetna Senior Product Plan will start paying for some covered services.
The outpatient services include:
- Doctor visits
- Diagnostic lab and radiology
- Therapies
- Durable medical equipment (DME)
- Medicare-covered medical supplies
After you pay the Part B deductible, this plan will cover any other treatments or expenses for outpatient services covered by Original Medicare.
Original Medicare typically pays 80% of your outpatient costs and this Aetna Plan may pay the other 20%.
Preventative Services Are Covered
- A yearly flu shot
- Certain preventive cancer screenings
- Your annual wellness visit with your doctor
Eligibility for this Plan
This Aetna Plan is a comprehensive coverage option that offers seniors extra benefits beyond Original Medicare, such as coverage for foreign travel. However, not everyone is eligible for this plan. To enroll in this Aetna Plan, individuals must first be enrolled in Medicare Part A and Part B.
They must also live in the U.S. and be at least 65 years old. Individuals under 65 may be eligible for this plan if they have a qualifying disability or end-stage renal disease and the state they live in mandates that this product plan be offered to them the same as to those individuals who are 65 and older.
If you meet these qualifications, this supplement plan could be the right choice for you. It offers robust coverage, including coverage for excess charges and skilled nursing facility care, and could help reduce out-of-pocket expenses.
Don’t Wait To Enroll
During this time frame, no insurance company can deny you coverage or increase your rates because of pre-existing health conditions.
However, once this period passes, the gloves come off, and these companies can either decline you for a supplement plan, not cover pre-existing conditions or charge you more for the same coverage.
You don’t have to wait, and we can easily walk you through the steps by calling us at or filling out our form below.
Get A Free Quote By Completing This Form
Are You Currently In A Plan F
Monthly Budget
Expected Expenses
Medicare Supplement Plan G vs Plan F
Choosing the right Aetna Senior Product plan can be confusing, especially when it comes to deciding between Aetna Senior Plans. While both plans provide coverage for the same basic benefits, this Aetna Plan does not cover the Medicare Part B deductible like Plan F does.
In the long run, choosing this Aetna Plan can be a more cost-effective option since it typically offers lower premiums than Plan F. The comparison chart below shows the difference between the two Aetna Plans.
Related Article: Best Alternatives to Medicare Plan F
Aetna Senior Product Plan Costs And Availability
The only thing that isn’t standardized is going to be the price which can vary from company to company.
We can’t stress enough that you shouldn’t get caught up on a company’s name brand or familiarity when choosing to buy.
No matter which company you choose, a Plan G is a Plan G, so if you hear a company name that you might not be familiar with, but it has the lowest monthly rate, go for that plan.
Medical Services That Aetna Senior Product Plan-G Will Cover
So, it will cover:
- Surgeries
- Blood Transfusions
- Skilled nursing
- Hospice care
- Doctor visits
- Diabetic supplies
- Durable medical equipment
- x-rays
- Ambulance
Up to $50,000 in foreign travel emergency benefits
The list of benefits aren’t limited to just what’s above but we thought that would give you a good idea about the things that this Aetna Plan would cover.
Standardization Of Aetna Senior Products Plan G
Each company has to ensure that this Plan G has the same:
Doctor’s Network
These plans are only a supplement to your original Medicare Part A & Part B.
This means that your actual network is the nationwide Medicare Network and since 93% of doctors still accept Medicare, you don’t have to worry if a specific company will have your doctor in their network.
If your current doctors accept Medicare, then they will take your Aetna Plan G.
Claims Process
When you get medical services from your doctor, they will submit your claim directly to Original Medicare.
Once Original Medicare has paid its part of the claim, they automatically send the remainder to your Medsup insurance company, and your Medsup company then pays your doctor what’s remaining on the bill. The best thing about this process is that once Original Medicare accepts your claim, your Medicare company has to pay their portion; deciding not to pay their portion is not an option.
This means you don’t have to worry about how any Medsup company will process your claims, they all work the same way.
As we stated above, it really comes down to which company will give you the best rate when you are searching for a Medicare Plan G.
How to Enroll
If you’re looking to enroll, there are a few important things you should know. Plan G is a Medigap policy that provides comprehensive coverage for Medicare beneficiaries. To enroll, you’ll need to be eligible for Medicare and have an active Medicare Part A and Part B plan. You’ll also need to find a licensed insurance agent or broker who sells Medigap policies in your state. They can help you compare Plans and choose one that best fits your needs and budget. Plan G affordability can vary by state for seniors.
This is where speaking with one of our advisors really benefits you. They can provide you with not only premium pricing on Aetna, but also on other carriers that might offer the same Product Plan G but at an even lower monthly premium. Once you’ve selected a plan, you’ll need to provide your advisor with some personal medical information and other basic information about yourself. From there, the insurance company will review your application and determine whether you qualify for coverage.
Why Aetna Senior Products Might Be Right For You
If you are a senior citizen, finding the right healthcare plan can be a daunting task. After all, there are various factors you need to consider. Things like:
- What services are covered?
- What your out-of-pocket expenses will be?
- Which provider offers the most value for your money?
Plan G may be the ideal plan for you if you want broad coverage. It’s also great for low out-of-pocket costs, and access to top-notch medical care (no networks to navigate). With Plan G, you can enjoy all the benefits of Plan F, but at a lower cost.
That means you won’t have to worry about paying for services that you may not need. It also means you can still get the coverage you need at an affordable price. Whether you’re looking for hospital insurance, doctor’s visits, or even foreign travel coverage, Aetna has got you covered.
So why wait? Find out if Plan G is a good match for you today. Shouldn’t you enjoy the peace of mind that comes with knowing you’re covered. Check out the case study below on one of our existing clients.
Why Is This A Great Option For Many Seniors?
Aetna Senior Products Plan G is a great choice for individuals looking to supplement their Medicare coverage. The debate over which plan is best – Supplement Plan G or Plan F – is ultimately up to you to decide, depending on your individual needs.
This Aetna Plan offers a comprehensive range of benefits at an affordable price, providing you with the peace of mind that comes along with knowing that it covers medical expenses well into later retirement years.
So if this Aetna Plan sounds like the right fit for you, call Senior Benefit Services, Inc today (800)924-4727 to talk with one of our knowledgeable representatives who can help guide you towards making the best decision for your desired coverage.
Don’t Need Comprehensive Coverage? Read our related article: Aetna Medicare Supplement Plan Review|Medicare Plan N Reviews
Medicare Part G Vs Medsup Plan N
Plan N will be more affordable but is probably best for people who don’t have to visit the doctor often.
Taking Action
Plan F has been phased out for anyone who goes or went onto Medicare after January 1, 2020 so to get coverage for excess charges, Plan G is now it.
If you are still unsure or, if you are ready to move forward with this Aetna Plan, you can give us a call at 1.800.924.4727 or get a free rate comparison below.
When it comes to cost and savings, Plan-G will not let you down.