Aetna is reducing the number of Medigap plans it offers for 2026. Current information shows four plans available in four states. Rates vary depending on the plan you choose and where you live.
Aetna is among the most widely known insurance providers in the United States. In addition to its Medicare Advantage plans, Aetna offers a small number of Medigap plans that can help you pay for some of Original Medicare’s out-of-pocket costs. Medigap plans are also sometimes called Medicare supplement insurance.
With healthcare costs rising dramatically in many markets, a Medigap policy might help you feel more secure in keeping pace with the cost of maintaining good health.
Medigap plan benefits are standardized across the United States, with the exception of Minnesota, Massachusetts, and Wisconsin. These include:
- Part A coinsurance, plus an extra 365 days of coverage beyond your Medicare benefits
- Part B coinsurance (your 20% of the cost of medical services) or your copays for medical care
- all or part of the costs of the first 3 pints of blood you need every year
- coinsurance for hospice care covered under Medicare Part A
Depending on the plan, other benefits may include coverage of your coinsurance for care in a skilled nursing facility, excess charges for medical services, and emergency care when you’re traveling outside the United States.
States that offer one or more Aetna Medigap plans in 2026
In 2026, Aetna is offering four Medigap plans in:
- Michigan
- New Hampshire
- Tennessee
- West Virginia
Now, let’s explore the different types of Medigap plans that Aetna offers.
Medicare Supplement Plan A
Plan A is the most basic Medigap plan. All insurance companies offering Medigap plans are required to make Plan A available for purchase.
Plan A covers some of the copays and coinsurance associated with Medicare Part A. It also covers copays and coinsurance for Medicare Part B.
Medicare Supplement Plan F
Plan F offers the widest variety of coverage of any Medigap plan. Because of its coverage level, it’s no longer available to people new to Medicare from January 1, 2020.
This coverage includes:
- copayments and coinsurance for Medicare parts A and B
- Part B deductible
- excess charges associated with Medicare Part B
- emergency care during foreign travel
Some private insurers offer a high-deductible version of Plan F. While the monthly premiums are lower for these plans, you’ll have to meet a deductible before it begins covering costs.
Medicare Supplement Plan G
Plan G has the same benefits as Plan F except for the Medicare Part B deductible. So, it’s still available to new Medicare beneficiaries who may be seeking a very inclusive level of coverage.
Similar to Plan F, some private insurers offer a high-deductible option for Plan G.
Medicare Supplement Plan N
Some of the main areas covered in Plan N include:
- copays and coinsurance associated with Medicare parts A and B
- deductible for Medicare Part A
- emergency care during foreign travel
The cost of Aetna’s Medigap plans varies depending on several factors, including your age and location.
In Tennessee, the following costs are noted for Aetna’s SilverScript Medigap plans in 2026:
| Medigap plan | Cost range |
|---|---|
| Plan A | $88 to $508 |
| Plan F | $79 to $482 |
| Plan G | $122 to $701 |
| Plan N | $105 to $606 |
It’s important to remember that for all plans, except Plan F, you’ll pay the Medicare Part B premium in addition to your monthly Medigap premium.
Since costs for Medigap plans vary so widely, compare plans from several plan providers in your area before you choose one. Medicare provides a Medigap plan finder tool that allows you to type in your ZIP code and compare the plans available near you.
In most cases, Medicare covers the majority of the costs for your healthcare, but you’re also responsible for paying a portion of your costs.
Medigap plans, also known as Medicare supplement plans, help you pay for costs that aren’t covered by Original Medicare (Part A and Part B). These costs can include:
- copays
- coinsurance
- excess charges
The federal government standardizes the coverage that each type of plan provides, but not every plan will be offered in the state where you live.
If you live in Minnesota, Wisconsin, or Massachusetts, these states may offer Basic and Extended Basic plans with coverage that differs from that offered under the other plans.
It’s also important to know that you can use a Medigap plan only if you have Original Medicare. Medigap insurance cannot be used with Medicare Advantage (Part C) plans.
In 2026, Aetna offers Medigap plans A, F, G, and N in four states.
All of Aetna’s Medigap plans cover coinsurance or copays (or both) for Part A and Part B services.
Some plans offer additional benefits, such as coverage of coinsurance for skilled nursing facilities, hospice care, and emergency medical care when traveling abroad.
Plans differ in their specific benefits and costs, so compare plans carefully before you decide which one best matches your budget and needs.