Aetna Medicare Enrollment: Fill & Download for Free

You can join an Aetna Medicare advantage plan by visiting their website (aetnamedicare.com), reviewing their plans and choosing the best one for your needs. You can also call them directly and get enrolled by one of their in-house agents.You can also talk to an independent Medicare agent that sells for multiple carriers. The agent can get an understanding of your individual needs when it comes to prescription drugs, doctors and hospitals and make sure whether and Aetna plan is most suitable for you.

Medicare is the health insurance system that the US government has set in place for people over 65 years of age and those who are permanently disabled. Unlike Medicaid, is not a means-tested system. When a person turns 65, or after two years of receiving SS disability benefits, they can apply for Medicare coverage. This consists of the following:Medicare Part A: Hospital insurance. This includes medication, surgery, medical support that a recipient receives while hospitalized. This coverage has no cost to the insured.Medicare Part B: Medical insurance. This includes all doctor’s visits and appointments made on an outpatient basis. This insurance is not free. It costs $134.00/month, or more with higher income/earnings, which is billed to the insured, or if you are already receiving SS retirement or disability benefits, they would be deducted from your check.This is what is called the Original Medicare.This insurance does not over everything though. For Medicare part A, you may be required to pay some steep co-payments if you are hospitalized for long periods of time. For Medicare part B, it covers 80% of the bill, without an annual out-of-pocket maximum. So if you have a stroke and incur in a massive health insurance bill, you may be required to pony up a significant amount of money for both your hospitalization and rehabilitation afterwards.Enter the Medicare supplemental plans. These are programs run by private insurers, such as Aetna, Anthem, Prudential and all major insurers. They offer to cover up the gap in Medicare payments. They have different tiers of programs. In some you pay small copayments or have a small deductible, and therefore you pay a smaller premium. In others, you pay absolutely nothing - but pay a higher monthly premium. We have one of such policies for my husband - who had to entered Medicare due to disability-. His premium is higher because of this, but for a policy that covers 100% of his medical costs, without deductibles and copayments, we pay only $260/month.However, these programs do not cover prescription medication. Under the last Bush administration, a third program was created. Enter Medicare Part D: This is insurance for prescription medication. This insurance subsidizes the cost of medication for Medicare recipients. Under this program, you can buy a policy with a private insurer (Humana, Anthem for example) and based of the medications you are in your premium will vary. For a program that covers pretty much 100% of my husband’s medication (which are not particularly expensive) we pay $15/month.So the monthly insurance cost for my husband is $379.9/month for a plan in which he has zero out of pocket costs. When he was waiting for Medicare enrollment, a Gold plan under Obamacare was over $500/month, which had a 20% coinsurance. Given the high cost of his disabilities out of pocket medical costs were about 10k/year. However, this was preferable to the cost of his medical coverage through COBRA - which was close to $800/month. See why old people don’t want you to mess with their Medicare?

Not exactly.WellCare has purchased Aetna's Medicare Part D book of business, which automatically makes patients previously enrolled in the Aetna Plans automatic WellCare customers.