Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 24, 2022

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The Short of It

  • Aetna supplemental insurance is additional coverage for an existing health care plan
  • Aetna offers supplemental insurance options for regular and Medicare health plans
  • Create more well-rounded, gap-free coverage by purchasing Aetna supplemental insurance

Health care coverage — though purchased with good intention — can sometimes fall short. We’re here to help shed light on Aetna supplemental insurance and how it can benefit your existing health care plan, providing you with a well-rounded health care policy.

This article will outline Aetna supplemental insurance, including Aetna senior supplemental policies. Supplemental insurance can help you live your life to the fullest with coverage that helps you when you need it most. Read more to learn how to build the best Aetna health care policy for your lifestyle.

What is supplemental insurance?

Supplemental insurance is additional health insurance coverage you can purchase and add to your general health care plan. It can help you pay for services or out-of-pocket costs that your standard plan may not cover. You can purchase supplemental policies to cover deductibles, copayments, coinsurance, and sometimes dental and vision.

Supplemental policies can also provide a cash benefit, paid over time. Cash benefits cover lost wages, health-related transportation costs, medication, or other expenses incurred during illness or injury. Covering these expenses can help relieve your stress and allow you to focus on regaining your health.

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Why should I consider Aetna’s supplemental insurance options?

Though Aetna’s medical plans cover much of your health care needs, policies don’t cover every situation. Purchasing supplemental coverage can expand your existing policy to cover any unexpected health care costs.

Aetna’s supplemental insurance covers you from several unexpected and unconventional events. This coverage could be valuable if your family is dependent on one income. Paying for a little bit of extra coverage can go a long way in an unexpected medical situation.

Standard Aetna Insurance Plans 

Aetna offers several standard health insurance policies known as Affordable Care Act marketplace insurance plans. The policies come in platinum, gold, silver, and bronze “metal levels” and vary depending on your needs.

Platinum level (coming soon) 

This plan offers low deductibles and little out-of-pocket cost but has the highest monthly rate. It also allows you to apply for discounts when applicable. Platinum coverage may be right for you when managing a condition or planning surgery.

Gold level

Gold level offers a higher premium to keep costs manageable and features low deductibles. Rates are still high while maintaining lower out-of-pocket costs, but several discounts are available. This policy is good if you’re planning an increase in medical services.

Silver level

Premium and out-of-pocket medical costs are moderate. Deductibles remain lower than bronze-level plans, with some eligibility to apply for discounts and extra plan savings. Aetna’s silver level is good to consider if you seek mid-tier coverage and have good to moderate health.

Bronze level

Aetna’s bronze level offers the lowest rates and highest out-of-pocket expenses. Deductibles for this plan are also the highest of all levels, but you could still be eligible for discounts. This plan is perfect if you’re in good health and don’t need to visit doctors regularly.

Though bronze is the lowest tier, it still keeps out-of-pocket expenses manageable. Additionally, Aetna offers specialized employer, student, international, dental, and vision plans.

Supplemental Policies Offered by Aetna

Aetna does offer several supplemental insurance options. Policies fall under the four following categories:

  • Accident. This policy provides cash benefits when a covered injury occurs on or off the job.
  • Critical illness. A plan that helps cover everyday expenses following the diagnosis of a major illness.
  • Hospital indemnity. Hospital indemnity offers fixed payments for out-of-pocket expenses related to a covered hospital stay.
  • Disability. This supplement covers a portion of your income for day-to-day expenses if you can’t work due to illness or injury.
  • Medicare. Medicare supplemental insurance policies can help with health-related out-of-pocket expenses that a regular Medicare policy won’t cover.

It’s essential to understand what you’re looking for in additional coverage before purchasing your supplemental policy. Start by learning more about your regular health care policy and where it may be falling short for you.

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What is Aetna senior supplemental coverage? 

Aetna’s Medicare supplemental insurance policies have a wide variety of coverage options. These options include Parts A, B, D, G, N, C, and F.

  • Part A. Available to all applicants. Includes:
    • Medicare Part A coinsurance or copayment
    • Medicare Part A hospital coverage (one year after using Medicare benefits)
    • Medicare Part A hospice care coinsurance or copayment
    • Medicare Part B coinsurance or copayment
  • Part B. Available to all applicants. Includes:
    • Part A coinsurance
    • Part A hospital coverage
    • Part A hospice care coinsurance or copayment, and deductible
    • Part B coinsurance and copayment
  • Part D. Available to all applicants. Includes:
    • Part A coinsurance
    • Part A hospital coverage
    • Part A hospice care coinsurance or copayment, and deductible
    • Part B coinsurance and copayment
    • Skilled nursing facility coinsurance
  • Part G. Available to all applicants. Includes:
    • Part A coinsurance
    • Part A hospital coverage
    • Part A hospice care coinsurance or copayment, and deductible
    • Part B coinsurance or copayment and excess charges
    • Skilled nursing facility coinsurance
  • Part N. Available to all applicants. Includes:
    • Part A coinsurance
    • Part A hospital coverage and deductible
    • Part B coinsurance or copayment
    • Part B hospice care coinsurance or copayment
    • Skilled nursing facility coinsurance
  • Part C. Available to those first eligible for Medicare before 2020. Includes:
    • Part A coinsurance
    • Part A hospital coverage
    • Part A hospice care coinsurance or copayment, and deductible
    • Part B coinsurance or copayment, and deductible
    • Skilled nursing facility coinsurance
  • Part F. Available to those first eligible for Medicare before 2020. Includes:
    • Part A coinsurance
    • Part A hospital coverage
    • Part A hospice coinsurance or copayment, and deductible
    • Part B coinsurance or copayment, deductibles, and excess charges
    • Skilled nursing facility coinsurance

Generally speaking, Aetna’s Medicare supplemental insurance policies don’t restrict provider networks. They also allow you the freedom to select a specialist who accepts Medicare. Policies provide you the peace of mind that your coverage goes with you, even when traveling. To learn more, take a look at this Aetna review.

How do I know if senior supplemental insurance is for me?

Purchasing a senior supplemental insurance policy is a personal choice. It may be worth considering if you hope to gain coverage for health care costs not otherwise covered by Medicare Parts A and B.

Additionally, with an Aetna Medicare supplement insurance policy, you’ll be confident that your coverage won’t cancel or change if you move. You’ll have emergency coverage if you travel out of the country, and you’ll have the freedom to select any doctor who accepts Medicare.

It’s important to consider what you want from your senior supplemental insurance before making any decisions. Take a look at your Medicare policy to see where you lack coverage and select your supplemental insurance.

The Bottom Line on Aetna Supplemental Insurance

Aetna supplemental insurance can be an excellent way to increase coverage for life’s unexpected situations when paired with your regular health care policy. If you’re considering Aetna supplemental insurance, additional coverage can create a more well-rounded policy that better fits your lifestyle.

Keep in mind that Aetna has a variety of supplemental and senior supplemental insurance policies available. It’s essential to understand what each plan covers and your eligibility while looking into your options.

Remember that no health care policy can cover you for all life throws your way. Purchasing a supplemental insurance plan provides you with the peace of mind that you’re fully covered. If an unexpected injury or illness occurs, ensure you have the extra support you need with Aetna supplemental insurance.