Aetna Health and Life Insurance Co. – Medigap Plan F Ratings and What They Mean

What Is Medigap Plan F?

Medigap Plan F is a standardized Medicare Supplement policy that covers the out‑of‑pocket costs not paid by Original Medicare. It includes copayments, coinsurance, and deductibles for hospital care, outpatient services, and emergency care. Because it is a national standard plan, Aetna's Plan F offers the same benefits wherever it is sold.

How Aetna's Plan F Stacks Up

Aetna is one of the few insurers that still offers Plan F in states that have not eliminated it. The company's policy provides the following:

• 100% coverage of Medicare Part B coinsurance and copayments
• 100% coverage of Medicare Part A coinsurance, hospital deductibles, and outpatient copayments
• No out‑of‑pocket limit for covered services

These features make Plan F the most comprehensive Medigap option available to consumers who can still purchase it.

Eligibility and Availability

Plan F is available only in states that have not banned it, such as New York, Illinois, and Ohio. If you live in a state where Plan F has been discontinued, you cannot buy it through Aetna or any other insurer. Eligibility is limited to:

• Individuals who are at least 65 years old, or under 65 with a qualifying disability
• Enrolled in Medicare Part A and Part B

Cost Comparison

Aetna's Plan F premiums vary by age, gender, and location. On average, a 68‑year‑old male in New York might pay around $240 per month, while a 68‑year‑old female could pay about $225. These rates are comparable to other leading insurers offering Plan F.

Benefits vs. Other Medigap Plans

Compared to other standardized plans (G, H, K, L, M, N), Plan F offers the highest level of coverage with no out‑of‑pocket limit. However, because it is no longer available in many states, consumers often choose Plan G, which is similar but requires a small copayment for Part B.

Key Differences

• Plan F: 100% coverage, no copay for Part B
• Plan G: 100% coverage, $20 copay for Part B

How to Enroll with Aetna

To enroll, visit Aetna's website or contact their customer service. You will need:

• Proof of Medicare enrollment
• Personal identification
• Proof of residence in an eligible state

Enrollment is open year‑round, but the best time is during the Medicare Open Enrollment Period (Oct 15‑Dec 7) to avoid gaps in coverage.

Customer Experience and Support

Aetna offers 24/7 customer support, online account management, and a mobile app. Many users report timely claims processing and helpful assistance for navigating Medicare benefits.

Bottom Line

If you live in a state that still offers Medigap Plan F and can afford its higher premium, Aetna's Plan F provides the most comprehensive coverage for Medicare beneficiaries. Verify your state's status and compare premiums before deciding.