Aetna Senior Supplemental Insurance

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Aetna Senior Supplemental Insurance

Aetna Senior Supplemental InsuranceAetna Senior Supplemental Insurance offers a full line of plans related to senior health. Aetna Senior Supplemental Insurance is rated “A” (Excellent) by A.M. Best Company (as of June 12, 2015). “A” (Excellent) is the third highest rating out of sixteen A.M. Best ratings. This is an indicator of Aetna’s financial strength and ability to pay future claims.

Aetna Senior Supplemental Insurance is headquartered just outside of Nashville, TN in Franklin, TN. They have been selling senior products since 1983, have over 400 employees and over 30,000 licensed agents nationwide.

Aetna’s commitment will always be to provide the best plan of protection possible at an affordable premium, as well as, provide unsurpassed claims payment and customer service for policyholders which is why they are routinely a top pick for iHealthBrokers Medicare Advisors clientele.

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Aetna Senior Supplemental Insurance Products

Medicare Supplement Insurance

A Medicare Supplement insurance policy helps consumers manage and budget their health care expenses with predictability and stability. Medicare provides beneficial coverage for health related expenses, but it does not cover all health care expenses. There are a number of gaps in Medicare coverage that consumers either pay for out-of pocket or with private insurance. A Medicare Supplement insurance policy can help fill in those gaps and help pay the out-of-pocket costs for Medicare-approved services and works hand-in-hand with Medicare to provide more insurance coverage.

A Medicare Supplement insurance policy has no restrictive networks, consumers can visit the physicians of their choice, and have freedom when choosing a health care provider, including specialists and specialty hospitals. With automatic claims filing by most providers, consumers have fewer things to worry about.

  • 30 days free look
  • 12-month rate guarantee
  • Guaranteed renewable
  • Freedom to choose doctors
  • Go direct to doctors
  • Benefits stay the same year-after-year
  • Portable coverage

NOTE: All products and entities are not available in all states.

Final Expense Whole Life Insurance

The financial aftermath of a death may put strains on those left to cover the costs. Establishing a Final Expense insurance plan will allow consumers to make choices, plans, and decisions on what is truly appropriate for them and their family – and helps provide funding when it’s needed the most.

  • Peace of mind that family will be better prepared
  • Consumers may qualify for one of three available plans
  • No medical exams
  • Protection up to $35,000
  • Premium rates that never increase
  • Coverage and benefits that never decrease
  • Renewable for life regardless of any changes in health
  • 30 days free look

This valuable protection can help pay for expenses such as: funeral, casket, transportation, ceremony, flowers, legal/probate, debts, medical. Benefits are paid to whoever the policyholder chooses.

  • Affordable premiums
  • Benefits between $3,000 and $35,000
  • Issue ages 45-89
  • Premiums based on issue age (last birthday)

NOTE: All products and entities are not available in all states.

Cancer Insurance

Once cancer is medically diagnosed, a full (lump sum) benefit is paid directly to the policyholder, or someone they designate, to use any way they choose – regardless of any other insurance coverage they have, including Medicare. Benefits range from $5,000 to $75,000 (in increments of $5,000) – so the consumer chooses the amount that is right for them. Hospitalization is not required to be eligible for this coverage. Only one cancer benefit amount will be paid for each insured person under this policy.

Cancer and Heart Attack or Stroke Insurance

This policy includes the cancer coverage described, along with a lump sum benefit for the medical diagnosis of a heart attack or stroke. A full (lump sum) benefit is paid directly to the policyholder, or someone they designate, to use any way they choose. Only one heart attack or stroke benefit amount will be paid for each insured person under this policy. Benefit amounts are the same as the Cancer insurance.

Intensive Care Unit Rider

This rider pays a benefit of $150 per day for confinement in a hospital intensive care unit, regardless of the accident or illness. Benefits for the Intensive Care Unit Rider are available in $150 increments, up to a maximum of four increments. There is a maximum of 31 days per period of care. The benefit reduces
by 50% at age 65. This rider terminates when the policy terminates.

  • Issue ages 18 – 89
  • 30 days waiting period
  • 30 days free look
  • Guaranteed renewable

NOTE: All products and plan options are not available in all states.

Hospital Indemnity Insurance

  • Helps offset out-of-pocket expenses
  • Pays benefits directly to insured unless assigned to provider
  • Issue ages 18 – 89
  • Pays indemnity benefits of up to:
    • $2,500 hospital confinement
    • $300 optional daily hospital
    • $200 optional daily skilled nursing facility care
    • $60 optional doctor’s office visit
    • $1,500 optional outpatient surgical procedure
    • $200 hospital emergency room visit or ambulance service

NOTE: This is not a Medicare Supplement policy. This is not a Major Medical policy. All products and plan options are not available in all states.

Recovery Care Insurance

  • Helps offset out-of-pocket expenses
  • Pays benefits directly to insured unless assigned to provider
  • Issue ages 50 – 89
  • Pays indemnity benefits of up to:
    • $300/day daily nursing facility including assisted living and bed reservation
    • $300/day daily hospital
    • $1200/weekly optional home care rider

NOTE: This is not a Long Term Care policy. All products and plan options are not available in all states.

Home Care Indemnity Insurance

  • Helps offset out-of-pocket expenses
  • Pays benefits for medically necessary home care
  • Pays benefits directly to insured unless assigned to provider
  • Issue ages 50 – 89
  • Daily hospital indemnity up to $150
  • Home care indemnity up to $750/week
  • $60/daily registered nurse ($30/shift) home or in-hospital

NOTE: This is not a Long Term Care policy. All products and plan options are not available in all states.

iHealthBrokers is an Aetna Chairman Brokeraetna-chairman-broker

About the Author:

Jesse is the Founder and CEO of Smedley Insurance Group, Inc. and iHealthBrokers.com. He is a licensed health and life insurance broker in 47 states and the District of Columbia. Jesse specializes in Medicare and health insurance benefits packages for businesses and their employees. Jesse is the designated responsible broker for Smedley Insurance Group, Inc. He founded Smedley Insurance Group after working for a small captive insurance agency where he was required to sell perhaps the worst health insurance plans to consumers because it was all the company had to offer. He knew there had to be a better way and thus, SIG was born. Jesse can be reached toll free at (866) 260-9829, Ext. 101. His email address is: his first name @iHealthBrokers.com.

2 Comments

  1. Cindy R. June 2, 2016 at 12:36 pm - Reply

    Thank you. This was a very informative article. I have been with Aetna Senior Supplemental Insurance now for a year on their Plan F and was looking into getting some final expense coverage from them. Also, I compared Aetna Senior Supplemental Insurance to AARP medicare plans when I enrolled and Aetna was cheaper…

    • Thanks Cindy. I’m glad you found the article informative. Yes, UnitedHealthCare’s AARPMedicarePlans are competitive in some markets and not in others. They are a great company as well. Please don’t hesitate to call if you need any help with that final expense plan.

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