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Why Medicare Supplement Insurance

Medicare Supplement (a.k.a. Medigap) is private health insurance that helps supplement Original Medicare. Medigap can help you budget your medical expenses month to month. Each plan is standardized by state and federal laws with premiums varying by each state and carrier. Choose from multiple plan options based on your budget and coverage needs.

Supplement Your Medicare and Help Budget Out-of-Pocket Costs

You want to keep your doctors, but you're tired of covering copays and deductibles. You shouldn't have to stress about paying for healthcare in your retirement years. Learn how you can budget your medical expenses with Medicare Supplement (a.k.a. Medigap) insurance.

A chart of Medicare Supplement Insurance plans (Medigap plans)

Works with Your Medicare Parts A & B

Changing coverage options and healthcare providers can be a hassle. With Medigap insurance, you get to keep your Original Medicare and use your supplemental coverage anywhere that accepts Medicare.

Includes Standardized Benefits

You always know what you're getting with Medigap insurance. The plans are standardized to follow federal and state laws designed to protect you. That means each standardized policy must offer the same basic benefits, no matter which insurance company you choose.

Little to No Out-of-Pocket Costs

Copays and deductibles can add up. With Medigap insurance, all that—and sometimes more—is covered. Some plans may even cover all of your out-of-pocket costs, so you're only responsible for paying your plan's premium.

Senior Insurance Simplified

Speak with a licensed insurance agent

(855) 822-7891

TTY: 711

Mon - Fri: 8AM - 11PM ET
Sat: 9AM - 5PM ET

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MEDICARE SUPPLEMENT DISCLAIMERS

*Household discounts and their requirements vary by state and individual enrollment requirements. To see if you meet the discount requirements, click “apply now” and one of our licensed agents will contact you with more information.

**If you are at least age 65 and apply for coverage within six months of your Part B effective date, you may qualify for a discounted premium rate for the first 3 years of enrollment in your plan. Early enrollment discounts and their requirements vary by state and carrier. To see if you meet the specific requirements, click ‘Apply Now’ and one of our licensed agents will contact you with more information.

DO NOT CANCEL ANY HEALTH INSURANCE COVERAGE YOU CURRENTLY HAVE OR DECLINE COBRA BENEFITS UNTIL YOU RECEIVE AN APPROVAL LETTER AND INSURANCE POLICY (ALSO KNOWN AS AN INSURANCE CONTRACT OR CERTIFICATE) FROM THE INSURANCE COMPANY YOU SELECTED. MAKE SURE YOU UNDERSTAND AND AGREE WITH THE TERMS OF THE INSURANCE POLICY. PAY SPECIAL ATTENTION TO THE EFFECTIVE DATE, PREMIUM AMOUNT, WAITING PERIOD, BENEFITS, LIMITATIONS, EXCLUSIONS, AND RIDERS.

The quotes or rates shown above are estimates only. Your premium may be subject to change based on your medical history (pursuant to state law of residence), the underwriting practices of the insurance company, the optional benefits you selected, if any, and other relevant factors, such as changes in rates which take effect before your requested effective date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.

The Monthly Cost amounts shown may be subject to change on an annual basis.

For the latest rating, access www.ambest.com

Aetna Disclaimers:

Aetna is the brand name for insurance products issued by the subsidiary insurance companies controlled by Aetna, Inc. The Medicare Supplement Insurance Plans are insured by Continental Life Insurance Company of Brentwood, Tennessee (Aetna), American Continental Insurance Company (Aetna), Aetna Health and Life Insurance Company (Aetna), Aetna Life Insurance Company (Aetna), or Aetna Health Insurance Company (Aetna).

Not connected with or endorsed by the U.S. Government or the Federal Medicare Program.

This is a solicitation of insurance. Contact may be made by a Licensed Insurance Agent or Insurance Company. The Medicare Supplement Insurance Plans are guaranteed renewable as long as the required premium is paid by the end of each grace period. The policies have exclusions, limitations, terms under which the policy may be continued in force or discontinued. Plans do not pay benefits for any service and supply of a type not covered by Medicare, including but not limited to dental care or treatment, eyeglasses and hearing aids. See Plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. In some states, Medicare Supplement Insurance Plans are available to under age 65 individuals that are eligible for Medicare due to disability or ESRD (end stage renal disease). Plans not available in all States.

Important Notice In Colorado: All Medicare Supplement standardized plans are offered to qualified individuals under 65.

* Premium rates are subject to change and may vary based on the effective date of coverage, and information provided by you.

Actual premium rate may change for individuals who have used tobacco products with the past 12 months and are applying outside of a Medicare Supplement Open Enrollment or Guaranteed Issue period.

**To be eligible for the Household Discount, you must enroll in an Aetna Medicare Supplement Insurance Policy at the same time as another Medicare eligible adult or the other Medicare eligible adult must currently be covered by an Aetna Medicare Supplement Insurance Policy. The Medicare eligible adult must be (a) your spouse, (b) someone with whom you are in a civil union partnership, and (c) continuously resided with for the past 12 months.

These policies have exclusions, limitations, terms under which the policy may be continued in force or discontinued. Plans do not pay benefits for any service and supply of a type not covered by Medicare, including but not limited to dental care or treatment, eyeglasses and hearing aids.

Policy forms issued in OR include CLIMSP10A OR, CLIMSP10B OR, CLIMSP10F OR, CLIMSP10HF OR, CLIMSP10G OR, and CLIMSP10N OR. In ID, include AHLMSP17A ID, AHLMSP17B ID, AHLMSP17F ID, AHLMSP17HF ID, AHLMSP17G ID, and AHLMSP17N ID. In OK, include AHIMSP18A OK, AHIMSP18B OK, AHIMSP18F OK, AHIMSP18HF OK, AHIMSP18G OK, and AHIMSP18N OK. In TN, include CLIMSP19A TN, CLIMSP19B TN, CLIMSP19F TN, CLIMSP19G TN, CLIMSP19HG TN, and CLIMSP19N TN. In FL, include CLIMSP19A FL, CLIMSP19B FL, CLIMSP19F FL, CLIMSP19G FL, and CLIMSP19N FL. In OH, include CLIMSP19A OH, CLIMSP19B OH, CLIMSP19F OH, CLIMSP19G OH, CLIMSP19HG OH, and CLIMSP19N OH. In MO, AHLMSP18A MO, AHLMSP18B MO, AHLMSP18F MO, AHLMSP18G MO, AHLMSP18HF MO, and AHLMSP18N MO. In MD, AHIMSP19A MD, AHIMSP19B MD, AHIMSP19F MD, AHIMSP19G MD, AHIMSP19HG MD, and AHIMSP19N MD. IN NH, AHLMSP18A NH, AHLMSP18B NH, AHLMSP18F NH, AHLMSP18HF NH, AHLMSP18G NH, AHLMSP18N NH. In VA, CLIMSP19A VA, CLIMSP19B VA, CLIMSP19F VA, CLIMSP19G VA, CLIMSP19HG VA, CLIMSP19N VA. In TX: AHIMSP18A TX, AHIMSP18B TX, AHIMSP18F TX, AHIMSP18HF TX, AHIMSP18G TX, and AHIMSP18N TX.

Aetna Plan Basics:

Plan A

Basic Benefits

Plan B

Basic Benefits

Medicare Part A deductible

Plan F

Basic Benefits

Medicare Part B Deductible

Medicare Part B excess charges

Foreign Travel Emergency Skilled Nursing Facility coinsurance

Skilled Nursing Facility coinsurance

Medicare Part A deductible

Plan HF

2200 Annual Deductible applies

Skilled Nursing facility coinsurance

Medicare Part A deductible

Medicare Part B Deductible

Basic Benefits

Medicare Part B excess charges

Foreign Travel Emergency

Plan G

Basic Benefits

Medicare Part B excess charges

Foreign Travel Emergency

Skilled Nursing facility coinsurance

Medicare Part A deductible

Plan N

Basic Benefits

Medicare Part A deductible

You may pay up to $20 for some office visits and up to $50 for emergency room visits

Skilled Nursing facility coinsurance

Foreign Travel Emergency

Humana Disclaimers:

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

Coverage may be limited to Medicare-eligible expenses. Benefits vary by insurance plan and the premium will vary with the amount of benefits selected. Depending on the insurance plan chosen, you may be responsible for deductibles and coinsurance before benefits are payable. These policies have exclusions and limitations.

The information transmitted is intended only for the person or entity to which it is addressedand may contain CONFIDENTIAL material. If you receive this material/information in error,please contact the sender and delete or destroy the material/information.

Humana Inc. and its subsidiaries comply with applicable Federal civil rights laws anddo not discriminate on the basis of race, color, national origin, age, disability, sex,sexual orientation, gender identity, or religion. Humana Inc. and its subsidiaries do notexclude people or treat them differently because of race, color, national origin, age,disability, sex, sexual orientation, gender identity, or religion.

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^*Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 before your policy pays anything. (Plans C and F aren't available to people who are newly eligible for Medicare on or after January 1, 2020.)

^**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($198 in 2020), the Medigap plan pays 100% of covered services for the rest of the calendar year.

^***Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

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Medicare Annual Enrollment Period is Happening Now!

You Have Until Dec 7 to Make Changes to Your Coverage.

Learn More About the Following Senior Coverage Plans

Trouble Reading?

Why Medicare Supplement Insurance

Supplement Your Medicare and Help Budget Out-of-Pocket Costs

Works with Your Medicare Parts A & B

Includes Standardized Benefits

Little to No Out-of-Pocket Costs