Aetna Medigap Plan F
Many seniors that already have a Medigap Plan F find that the coverage is so abundant, that they do not need any more health coverage. We are going to tell you about Plan F and how it can benefit you. There are many insurance companies selling these plans such as Cigna, AARP and Mutual of Omaha. The Aetna Medigap Plan F offers the same plan as these other insurance companies. Their rates will be different, but the plans will be the same and they may have some added perks that seniors may like and want. Each insurance company sells the same plans and they are determined by Medicare, so they cannot change from one company to another. The coverage will be the same for every plan.
When you decide to go with Aetna, you will have some extra benefits that another insurance company may not have. Aetna is one of the largest insurance companies in the United States and you will be getting excellent service and they have a stellar reputation as well.
Plan F Coverage
Every Medigap plan has certain coverages that they offer to seniors. This coverage extends throughout the country. Whatever the cost, the plans will remain the same. Where ever you live, the plans will still be the same, but the prices will vary from state to state and the company you purchase it from.
A Medigap Plan F with afford you extensive supplemental medical coverage as all the plans will offer and you will get even more.
You will be covered for Medicare Part A copayments and also Part B copayments. When you have Medicare Part A and Part B services, there are costs every time you have to see a physician or go to the hospital and these will be paid for.
You also will have coverage for the Medicare Part A deductible and the Part B deductible. Some of the Medigap plans do not cover the Part B deductible, so if you don’t want to have to pay for that, you will need to go with Plan F.
Not included in Medigap plans are Medicare Part B excess charges. Medicare Plan F is one of the plans that will take care of this expense. With Plan F you will also be covered for Medicare’s hospice care coinsurance costs and also nursing care coinsurance expenses.
When needed, coverage for blood through the year with be included in Plan F for up to three pints. Basic Medicare already has some coverage for blood. You do need to have signed up for Medicare to get a Medicare Supplement plan to have the added coverage.
Foreign exchange coverage of up to 80% for the year will also be covered. This applies to those who travel and have a medical situation and need to be transported outside of the United States to another country’s medical facility for a medical emergency.
Compare Medicare Part F
Plan F with Aetna
We already have said that you will get the same coverage for the plans, no matter which insurance company you decide to go with. Your coverage is always the same and you will just have to decide which company you want to go with and how much you are willing to pay. The prices will definitely be different and Aetna has their own prices for the Medigap Plan F. While you have the plan for a year, the premiums will not change so you will know that your monthly premium will stay the same. Once the year is over, you will be able to renew it at whatever rate they are charging for the new year. You also will be able to change plans if you think you want a different plan with Aetna or any other insurance company.
You do have a lot of choices and you want to make a good decision. We think it is a good idea to check out your present plan before it expires and see if your medical circumstances have changed and you want more or less coverage in the coming year.
Aetna has acquired CVS and does not have any bearing on the health insurance plans and coverage, but might have changes for the company in the future years. It is wise to check back often to see if this partnership will have any changes with your health policy.
Comparing Plan F
It is important to not just decide on Plan F for your health needs. There are many Medigap plans available from Aetna and you need to look carefully to find the plan that will take care of your particular medical needs. As we get older, our bodies change and you may find that you are in need of more medical services that your plan may not cover. It is wise to check back regularly, to see if there are any changes in your plan and if the rates are changing as well.
If you are not sure that Plan F is the best plan for you, you might want to consider a Medicare Plan G of Plan N. These two plans are favored among seniors who need health insurance. They do cover a great many of the same services that Plan F covers with just a smaller amount of coverage in certain areas. The main difference is the rates are less expensive than Plan F and you may have to pay some money for copays or a deductible.
Many seniors do not need the large coverage that Plan F offers and may find Plan G or Plan N fits into their situation better. Plan F has more coverage that an average senior really needs and since the plan’s prices keep increasing higher each year, it is a good thought to check out Plan G or Plan N to see if you can still get the coverage you need.
Plan G will not cover Medicare Part B deductible, but will cover all the medical expense that Plan F does cover. Plan N covers all except the Part B deductible, excess charges and has some small copayments.
That is only a few of the expenses not included in these plans, but they do have a great deal of coverage. We think you should check out all your options and compare the rates of all the plans