Aetna® Medicare Advantage

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What is Medicare Advantage?

Medicare Part C, or Medicare Advantage, is a federally regulated health insurance program designed to help people aged 65 and over (and some younger people with disabilities) gain access to medical services, supplies, and equipment.

Medicare Advantage plans are unique because they are provided by private insurance companies. By law, all Medicare Advantage plans must provide at least the same coverage as Medicare Part A and Part B (also known as Original Medicare), though many offer additional coverage and benefits.

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Aetna Medicare Part C gives your health an advantage

Medicare Part A + Medicare Part B + More = Medicare Advantage formula illustration

Why pay for a plan without benefits you need? Aetna’s Medicare Advantage plans cover all the same health services as Original Medicare, but with additional benefits. Talk to a licensed agent today to find a plan near you that fits your needs and your budget.

In addition to Original Medicare benefits, Aetna Medicare Advantage plans may include coverage for:

  • Vision care
  • Dental care
  • Health and wellness programs
  • Gym memberships

What kind of network does Aetna Medicare Advantage offer?

Aetna offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. Both types of plans provide access to medical practitioners and services within a specified network of providers, but with some key differences. And their Dual eligible special needs plans (DSNP) add an extra layer of coverage for those who qualify. DSNP is a special type of a Medicare Advantage Prescription Drug plan.

HMO icon
Aetna Medicare HMO plans
  • Offer lower premiums than most PPO plans, with a lower deductible or no deductible at all
  • Only cover doctors and services that are in your network (out-of-network care will be your responsibility)
  • May require a referral from your primary care physician before you see a specialist
PPO icon
Aetna Medicare PPO plans
  • Cover both in- and out-of-network services (though out-of-network services may cost more)
  • Allow you to see any doctor or specialist that accept Medicare with no referral necessary
  • Generally have higher premiums and deductibles than HMO plans
DSNP icon
Aetna Medicare DSNP plans
  • Available in 14 states across the country to those who receive both Medicare and Medicaid benefits
  • Additional dental, vision, and hearing coverage
  • Over-the-counter products and prescription drug coverage
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Get prescription drug coverage with Medicare Parts C and D

In some situations, Original Medicare coverage is not enough. Enroll in Medicare Parts C or D to receive prescription drug coverage above and beyond what Original Medicare offers.

Aetna’s Medicare Advantage Prescription Drug plans (MAPD) offer all the benefits of Original Medicare plus covered prescription drugs.

Speak with a licensed agent to learn more about your plan options.

Talk to a Licensed Agent or View Plans Online

TTY:711, available 24/7

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Enroll in a Medicare Advantage plan today!

Ready to enroll in a plan? Get started by speaking with a licensed agent today at 1-855-200-9401.

Request your complimentary Medicare insurance quote

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Frequently asked questions

Why do I need Medicare Part C?

Although Medicare Part C (Advantage) is optional, it may add benefits you wouldn’t normally receive from Original Medicare. Because the private sector provides Medicare Advantage, the minimum requirements for these plans assure you receive all the benefits that come with Original Medicare. In some cases, Part C plans come with additional coverage for dental, vision, and hearing. Some even include prescription drug coverage as well.

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage plans are private plans that are an alternative to Original Medicare. These plans often come with added benefits. Medicare Advantage plans usually have lower premiums than a Medicare Supplement plan.

A Medicare Supplement plan (Medigap) is supplement insurance that you can add to your Original Medicare plan. Medigap covers the medical expenses that your Original Medicare cannot cover. Although they may come with higher premiums, Medicare Supplement plans cover a wide array of hospitals and medical providers across the U.S.

Am I eligible for a Medicare Advantage plan?

To qualify for a Medicare Advantage plan, you must first be eligible for both Part A and Part B of Medicare (sometimes called “Original Medicare”). Typically this means you need to be at least 65 years old, though there are some exceptions.

If you have any questions or concerns regarding your eligibility for Medicare or Aetna Medicare Advantage, give us a call. One of our friendly, licensed agents can help.

When can I enroll in Medicare Advantage?

If you’re enrolling in Medicare for the first time and you qualify for both Part A and Part B of Medicare, you can enroll in an Aetna Medicare Advantage plan during your Initial Enrollment Period. Your Initial Enrollment Period begins three months before the month of your 65th birthday and ends three months after your birth month.

If you’re already on Medicare and want to enroll in a Medicare Advantage plan, you can do so during the Annual Enrollment Period, which starts October 15 and ends December 7 every year.

Under some circumstances, you may be able to enroll in a Medicare Advantage plan during a Special Enrollment Period. For example, if you’ve recently moved or if you’re currently living in a nursing home. Talk to one of our licensed agents today to see if your life circumstances apply.

What is the Medicare Advantage out-of-pocket maximum?

Medicare Advantage plans include an out-of-pocket maximum, which can help with your health care costs, especially if you need an expensive medical procedure. Your out-of-pocket maximum sets a limit on the amount of money you must pay out of pocket each year before your Medicare Advantage plan pays for 100 percent of your covered health care services.

The amount of your annual out-of-pocket maximum varies from one plan to the nextand may change from year to year. Keep in mind that your monthly premium doesn’t contribute to your out-of-pocket maximum.

Talk to a Licensed agent today to get your free Medicare quote, including details about your out-of-pocket maximum, as well as premiums, deductibles, and other out-of-pocket costs.

Why was Medicare Part C created?

Although Medicare Part C was actually created during the Balance Budgeting Act of 1997, there were still some benefits missing that the government felt essential to Medicare.

Talk to a Licensed Agent or View Plans Online

TTY:711, available 24/7