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Each year, plans may change their premiums, benefits, and other features and beneficiaries have the opportunity to assess these changes and, if deemed necessary, switch plans during the annual open enrollment period. Yet, many studies show that few beneficiaries revisit their coverage decisions each year to determine which option is best for them based on their individual needs and the specific features of the plans available to them. Seniors in our focus groups said they appreciated being able to choose among many plans, and did not want their number of choices to be limited; however, they also felt unqualified to choose among plans and would like the process to be easier.
Beneficiaries wanted to make well-informed and financially sound decisions but did not feel confident in their ability to do so under the current system. While they tried to compare costs, coverage, and provider networks, beneficiaries found the process frustrating and confusing. Many said they wanted advice from experts, so they relied on input from an insurance agent or a plan representative, or suggestions from family, friends, and medical professionals. Our focus groups identified a high demand for clear, concise, and easily comparable information presented in a digestible format focusing on the factors most important to consumers, namely cost, provider networks, and coverage.
Few described the materials they have received as easy to use, and even fewer said they would turn to Medicare Compare during the next open enrollment period. Making it easier for beneficiaries to compare and switch plans, when it is in their interest to do so, would help achieve the goal of having consumers choose a plan that best meets their individual needs and preferences. In addition, if more beneficiaries switch to lower-cost plans, the result could be lower costs for themselves and for the Medicare program. We can help you find a Medicare plan that is right for you.
All you need to do is answer a few questions. Then read about how people like you choose a plan that fits their needs.
Pre-Medicare years bring health insurance worries for many, U-M/AARP poll finds
Trying to make sense of the dollars and cents? Your play may offer programs, discounts and other support that can help you get and stay healthy. You may not have to wait until the next open enrollment period to make changes to your plan. Learn how certain life events may allow you to update your plan. Can you define premiums, deductibles, coinsurance and copays?
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Learn these terms so you can get the most out of your plan. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates Aetna. This material is for information only. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Investment services are independently offered through the HSA Administrator. Aetna HealthFund HRAs are subject to employer-defined used and forfeiture rules and are unfunded liabilities of your employer.
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Fund balances are not vested benefits. Information is believed to be accurate as of the production date; however, it is subject to change. If you have a medical condition that prevents you from meeting your goals, or if your doctor advises you not to take part in physical activity, there may be an opportunity for you to earn the same reward in a different way. Download the Attain by Aetna app and sign in to see which categories of incentives are available to you.
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Aetna Inc. Individuals overview. Get a quote. Medicare Health insurance Dental coverage Vision insurance Medicaid. General plan info. Medicare Plans through an employer Medicaid Student health plans International plans. The Health Guide. Medicare Supplement Medigap Plan N is a standardized Medicare Supplement insurance plan, meaning it has the same benefits across all carriers.
Medigap Plan N does not cover the Medicare Part B deductible or Part B excess charges and thus, the beneficiary is responsible for paying these costs out-of-pocket. These are completely covered under Medigap Plan D, making this policy of interest to those comfortable with frequent co-payments for doctor or emergency room visits. Medigap Plan N may be an attractive option for those seeking broad coverage. It is not the most comprehensive Medicare Supplement insurance plan, so it is recommended that you review the details of all ten Medigap plans in order to find a Medigap policy that works best with your needs.
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