Aetna Medicare Advantage Plans Maryland 2025

Are you considering Aetna Medicare Advantage plans in Maryland? Find out which plan suits your health needs with benefits ranging from prescription drug coverage to dental and vision care. If you’re nearing 65 or have a qualifying disability, these Aetna Medicare Advantage plans in Maryland could be your path to holistic health coverage.

This straightforward guide will walk you through the different Aetna plan options, crucial benefits, and how to enroll during the specified enrollment periods.

 

Key Takeaways

 

 

  • Members can manage their Aetna Medicare Advantage plans online with secure access to important plan documents, and benefit from annual auto-renewals while also having access to Maryland’s state Medicare resources and support services.

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Exploring Aetna Medicare Advantage Plans in Maryland

Aetna offers a diverse range of Medicare Advantage plans in Maryland, each designed to meet different healthcare needs. These plans provide Medicare Advantage plus prescription drug coverage, a welcome relief for many seniors who need regular medications. Medicare Advantage, sold by private insurance companies like Aetna, offers the same benefits as Original Medicare, along with extras such as dental and vision coverage.

In Maryland, Aetna’s Medicare Advantage offerings include:

 

 

Most of their Medicare Advantage plans in Maryland, under a Medicare contract, include prescriptions covered with options for mail-order benefits for medications.

 

Exploring Aetna Medicare Advantage Plans in Maryland

Unlocking the Perks of Aetna Medicare Advantage

When it comes to Aetna Medicare Advantage, the perks go beyond the typical coverage of Original Medicare. These plans offer extra benefits such as over-the-counter benefits and a meals-at-home program following hospitalization. In addition, members receive discounts on a variety of health and wellness services, including massage therapy, acupuncture, chiropractic visits, and nutrition services.

 

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What’s more, Aetna Medicare Advantage members are covered worldwide for emergencies. They also have in-network cost-sharing benefits when traveling, which is a significant advantage for those who love to explore the world. Higher performing Aetna Medicare Advantage plans, as rated by Medicare, earn bonuses that enable them to offer these additional member benefits.

 

Wellness and Fitness Access

Aetna understands the importance of maintaining a healthy lifestyle, which is why many of their Medicare Advantage plans in Maryland include SilverSneakers® fitness benefits. This program provides access to:

 

 

These benefits promote an active lifestyle among beneficiaries thanks to the plan benefits.

Aetna’s commitment to health doesn’t end there. As part of their health benefits, Aetna Medicare Advantage members can save on gym memberships. These memberships give members access to fitness facilities, supporting their journey to a healthier lifestyle.

 

Vision, Dental, and Hearing Coverage

In addition to fitness benefits, many of Aetna’s Medicare Advantage plans in Maryland provide additional benefits such as dental, vision, and hearing coverage. These extra benefits ensure that members get comprehensive healthcare services.

Aetna Medicare Advantage plans that offer dental benefits cover preventive services such as oral exams, cleanings, and X-rays, and some plans also include comprehensive services like fillings and extractions. For vision care, benefits typically include one annual routine vision exam and an annual allowance for prescription eyewear.

Most Aetna Medicare Advantage plans also include coverage for hearing aids through network providers, with benefits usually covering one annual routine hearing exam and hearing aid fitting at 100 percent, as well as coverage toward the purchase of hearing aids.

Your Eligibility and Enrollment Window in Maryland

If you’re a Maryland resident aged 65 or older or under 65 with certain health conditions, you’re eligible for Aetna Medicare Advantage plans. Aetna also offers dual-eligible Special Needs Plans (D-SNPs) for Maryland residents who qualify for both Medicare and Medicaid.

 

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There are several enrollment periods to keep in mind:

 

  • The Initial Enrollment Period includes a three-month period before and after your 65th birthday, during which you can enroll in or change Medicare Advantage Plans.
  • You can also make changes to your Aetna Medicare Advantage plan during the Annual Enrollment Period (AEP), from October 15 to December 7.
  • You may qualify for a Special Enrollment Period (SEP) under special circumstances.

How to Compare Aetna’s Medicare Plans

When it comes to choosing the right Medicare plan, comparing different options is crucial. Aetna provides comparison tools and worksheets that you can use to conduct a side-by-side evaluation of different Medicare Advantage plans to match your personal health goals.

When comparing Medicare Advantage plans, it’s important to consider how a plan aligns with your individual healthcare needs. This includes coverage for prescriptions and associated costs like premiums, deductibles, copays, and coinsurance. It’s also essential to review all plan documents during the Medicare enrollment periods for changes in the plan’s formulary and provider directory.

Medicare Advantage and Prescription Drug Plans’ overall performance ratings and subcategory ratings are helpful in assessing a plan’s quality in areas significant to your healthcare needs.

 

Assessing Plan Features

In evaluating Aetna Medicare Advantage Plans, it’s crucial to consider the different types of costs involved, such as:

 

  • Premiums
  • Deductibles
  • Coinsurance
  • Copays

 

These costs can significantly impact your out-of-pocket expenses.

Premiums are the periodic payments necessary to maintain enrollment in a healthcare plan, with typically higher premiums associated with lower deductibles. A deductible is the initial amount you must pay out-of-pocket for covered services before the insurance plan starts to share costs. After the deductible is met, coinsurance determines the percentage of the medical bill, like 20%, that you’re responsible for paying.

Copays are set fees that you pay for certain services, such as a $30 charge for a primary care visit or $50 for a specialist appointment.

 

Checking Provider Network and Hospital Affiliations

It’s crucial to ensure that your preferred medical providers are participating in Aetna’s Medicare plan network to avoid potentially higher out-of-pocket costs. You can verify whether your preferred providers and hospitals are within the Aetna Medicare network by using Aetna’s online provider directory, which allows for searches by various criteria such as ZIP code, county, or provider’s name.

Aetna Medicare network providers have agreed to provide services to plan members. They may require a referral for certain services, while some plans also mandate members to select a primary care provider from within the network.

While some out-of-network services may be covered by Aetna Medicare Advantage plans, they are typically associated with higher out-of-pocket costs, and members should verify provider network participation before scheduling services to avoid unforeseen expenses.

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Navigating the Aetna Medicare Website

In today’s digital age, managing your healthcare plan is easier than ever. If you are a member of Aetna Medicare Advantage (MA) or Aetna Medicare Advantage with Prescription Drug (MAPD) plans, you can register for an account or log in on the Aetna Medicare website to access your plan information.

After logging in, you can locate the Summary of Benefits and Coverage document within your enrollment materials. This document provides detailed information on the services covered by your plan and any associated out-of-pocket costs, helping you understand the full scope of your plan.

 

Secure Website Features

In an era where data breaches are a growing concern, Aetna takes your privacy and security seriously. The Aetna Medicare website employs a secure login process that requires members to authenticate their identity, reducing the risk of unauthorized access.

To protect user information, the Aetna website uses advanced encryption technology that ensures data is securely transmitted over the internet. Aetna also has dedicated features on their website to protect members’ sensitive health records.

You can manage your accounts through the Aetna Medicare website, with various tools and options available to personalize your experience and manage your plan details.

 

Request Information or Assistance

If you need help or want to request more information, Aetna’s website provides a downloadable comparison worksheet that you can use to evaluate and contrast features of different Medicare Advantage plans.

In case you need further assistance, you can use your member ID cards to identify your plans when requesting information or help through customer service. This ensures that you receive accurate information tailored to your specific plan.

Maximizing Your Health Plan with Aetna Products

Aetna Medicare Advantage Plans can be maximized by combining them with Part D Prescription Drug Plans. This strategy provides comprehensive coverage, including medications, making it an excellent option for those who need regular prescriptions.

Members with Aetna Medicare SilverScript prescription drug plans can manage their prescriptions and view their Explanation of Benefits online through a Caremark.com personal account. Aetna provides distinct login options for Medicare Advantage with Prescription Drug Plans (MA/MAPD) and for Prescription Drug Plans (PDP) members to streamline access to their specific plan details.

 

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Starting January 1, 2024, changes to Medicare’s catastrophic coverage phase will eliminate copayments or coinsurance for beneficiaries who spend over $8,000 out-of-pocket on drugs, which enhances the benefits of Aetna’s prescription drug coverage.

Understanding Plan Renewals and Contract Details

Understanding how your Aetna Medicare Advantage plan renews is crucial, as it is essentially a contract renewal. Typically, these plans auto-renew on January 1 of each year without any action required from you.

However, it’s always a good idea to review your Annual Notice of Change (ANOC) by September 30 to understand any changes in your plan for the upcoming year. This ensures that you are always up-to-date with your plan’s details and can make necessary adjustments if needed.

You can find the ANOC, PPO plan information, and other plan details, such as:

 

  • Evidence of Coverage (EOC)
  • Summary of Benefits
  • Star Ratings
  • Formulary

 

on the Aetna Medicare website.

Medicare Resources and Support in Maryland

In addition to Aetna’s offerings, Maryland provides various Medicare resources and support services, including state Medicaid programs. Maryland Medicaid, known as Medical Assistance, is a public health insurance program for low-income adults, children, pregnant women, elderly adults, and people with disabilities, covering about 1 in 4 Marylanders.

Medicare beneficiaries with limited income and resources in Maryland may qualify for the Medicare Savings Program, Part D Extra Help, or the Maryland Senior Prescription Drug Assistance Program. Maryland also participated in the Housing and Services Partnership Accelerator to assist at-risk seniors and people with disabilities in securing housing support services.

The State Health Insurance Assistance Program (SHIP) in Maryland offers unbiased help to Medicare beneficiaries and includes trained staff and volunteers in all 23 counties and Baltimore City. Other resources for Medicare beneficiaries in Maryland include the Maryland Department of Aging website and 211 Maryland for a variety of support services.

Medicaid in Maryland is evaluating a Non-Emergency Medical Transportation (NEMT) survey to establish a statewide transportation rate, indicating a strong system of support for non-emergency medical needs.

Summary

In conclusion, Aetna Medicare Advantage plans offer a holistic approach to healthcare for seniors in Maryland. With a range of plans to choose from, additional benefits beyond Original Medicare, and robust resources and support, these plans are a practical choice for those seeking comprehensive healthcare coverage.

Choosing the right Medicare plan can seem daunting, but with the right information and resources, it doesn’t have to be. Aetna provides tools and support to make this process easier, allowing you to focus on what truly matters—your health and well-being.

Frequently Asked Questions

 

 

What is the difference between Aetna Medicare and Aetna Medicare Advantage?

Aetna Medicare Advantage plans, also known as Part C, are offered by private insurance companies like Aetna and include extra benefits not offered by Original Medicare.

 

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers.

 

Who has the best Medicare Advantage plan?

Humana has the highest-rated $0 Medicare Advantage plans among large insurance companies, with a rating of 4.3 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS). This makes Humana a top choice for Medicare Advantage plans.

 

What are some of the additional benefits of Aetna Medicare Advantage plans?

Aetna Medicare Advantage plans provide additional benefits, including over-the-counter benefits, meals-at-home programs after hospitalization, health and wellness service discounts, and worldwide emergency coverage. These benefits can offer added value and convenience for members.

 

→  How can I compare different Aetna Medicare plans?

You can compare different Aetna Medicare plans by using Aetna’s comparison tools and worksheets to evaluate factors such as coverage, costs, and provider networks.

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 ZRN Health & Financial Services, LLC, a Texas limited liability company

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Speak with a licensed insurance agent

 1-833-641-4938
TTY 711

Mon-Fri : 8am-9pm EST

Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.