Tag: medicare-part-c

5 Medicare AEP Changes You Need to Know

5 Medicare AEP Changes You Need to Know

$title$

Medicare Annual Enrollment Period (AEP) for 2025 is fast approaching, and it’s a crucial time for Medicare beneficiaries to review their coverage and make any necessary changes. During AEP, which runs from October 15th to December 7th each year, beneficiaries have the opportunity to enroll in a new Medicare plan or make changes to their existing plan. Navigating Medicare can be overwhelming, but staying informed and taking advantage of AEP can help ensure you have the coverage that best meets your needs. If you are new to Medicare or have not reviewed your coverage in some time, this article will provide an overview of Medicare AEP 2025 and how you can prepare for it.

Medicare AEP is a period when beneficiaries can make changes to their Medicare coverage. This includes enrolling in a new Medicare plan, switching plans, or dropping a plan. Beneficiaries can also review their current coverage and make sure it still meets their needs. During AEP, beneficiaries have the option to enroll in a variety of Medicare plans, including Medicare Advantage plans, Medicare Supplement plans, and Part D prescription drug plans. Medicare Advantage plans provide comprehensive coverage that includes Part A and Part B benefits, as well as additional benefits like vision, dental, and hearing coverage. Medicare Supplement plans help cover costs that Original Medicare does not cover, such as deductibles, coinsurance, and copays. Part D prescription drug plans provide coverage for prescription medications.

To prepare for Medicare AEP 2025, beneficiaries should start by reviewing their current coverage. They should make sure they understand what their plan covers and what costs they are responsible for. Beneficiaries should also consider their future healthcare needs and whether their current plan will meet those needs. If beneficiaries are considering switching plans, they should research different plans and compare their benefits and costs. Beneficiaries can use the Medicare Plan Finder tool at Medicare.gov to compare plans. They can also contact Medicare directly at 1-800-MEDICARE (1-800-633-4227) for assistance. By taking the time to prepare for Medicare AEP 2025, beneficiaries can make sure they have the coverage that best meets their needs and budget.

Affordable Care Act Mandate Extension

Overview:

The Affordable Care Act (ACA), also known as Obamacare, has undergone significant changes and legal challenges since its enactment in 2010. One of the central provisions of the ACA is the individual mandate, which requires most Americans to have health insurance or pay a penalty. The mandate was initially challenged in court, and in 2012 the Supreme Court ruled that the mandate was constitutional as a tax. However, in 2017, Congress passed the Tax Cuts and Jobs Act, which eliminated the penalty for not having health insurance starting in 2019. This essentially rendered the individual mandate toothless, as there was no longer any financial incentive for individuals to obtain health insurance.

Revival of the Mandate:

In August 2021, a federal judge in Texas ruled that the individual mandate was unconstitutional. This ruling was appealed to the Fifth Circuit Court of Appeals, which upheld the lower court’s decision in December 2021. The Biden administration appealed the Fifth Circuit’s decision to the Supreme Court, which agreed to hear the case in November 2022. On June 30, 2023, the Supreme Court ruled in a 7-2 decision that the individual mandate was constitutional. The Court held that the mandate was a valid exercise of Congress’s taxing power and that it did not violate the Commerce Clause.

Impact of the Ruling:

The Supreme Court’s ruling has significant implications for the future of health insurance in the United States. The individual mandate is expected to increase the number of Americans with health insurance coverage, as it will no longer be possible to avoid paying a penalty for not having insurance. This could lead to lower healthcare costs for everyone, as a larger pool of insured individuals will spread the risk of illness. The ruling is also a victory for the Biden administration, which has made expanding health insurance coverage a priority. The following table provides a summary of the key provisions of the Affordable Care Act and their current status:

Provision Status
Individual mandate Constitutional
Pre-existing condition protections In effect
Medicaid expansion In effect in 39 states and the District of Columbia
Employer mandate In effect for employers with 50 or more employees
Health insurance exchanges In operation in all 50 states

Part D Low-Income Subsidy Changes

The Part D low-income subsidy (LIS) helps people with limited income and resources pay for Part D prescription drug coverage. The LIS provides extra help with premiums, deductibles, and copayments.

In 2025, the LIS program will undergo several changes to expand eligibility and increase benefits. These changes include:

  • Expanding eligibility to individuals with incomes up to 150% of the federal poverty level (FPL).
  • Increasing the amount of the subsidy for individuals with incomes below 100% of the FPL.
  • Eliminating the monthly premiums for individuals with incomes below 150% of the FPL.
  • Lowering the deductible for individuals with incomes below 100% of the FPL.
  • Capping the copayments for individuals with incomes below 150% of the FPL.

The following table provides a summary of the LIS changes for 2025:

Income Level LIS Benefits
Below 100% of FPL No premiums, lower deductible, reduced copayments
100%-150% of FPL Reduced premiums, no premiums after meeting deductible, capped copayments

Medicare Advantage Enrollment Trends

Growth in Medicare Advantage Enrollment

Medicare Advantage (MA) enrollment has been steadily increasing over the past decade. In 2025, it is projected that over 50% of Medicare beneficiaries will be enrolled in MA plans. This growth is attributed to several factors, including the increasing affordability of MA plans, the expansion of MA coverage, and the aging population.

Shift Towards Managed Care

The growth of MA enrollment is part of a broader shift towards managed care in the Medicare program. Managed care plans, such as MA plans, provide comprehensive medical care to Medicare beneficiaries for a fixed monthly premium. This approach has been shown to reduce costs and improve quality of care for many beneficiaries.

Variations in Enrollment Across States

The rate of MA enrollment varies significantly across states. In 2025, it is projected that the states with the highest MA enrollment rates will be Florida, California, and Texas. These states have a high concentration of Medicare beneficiaries and a well-developed MA market. In contrast, states with lower MA enrollment rates tend to have a smaller population of Medicare beneficiaries and a less developed MA market.

State MA Enrollment Rate
Florida 60%

California 55%

Texas 50%

New York 40%

Pennsylvania 35%

Medicare Supplement Plan Premium Adjustments

During AEP 2025, Medicare Supplement (Medigap) plan premiums may be adjusted to reflect changes in healthcare costs and other factors. Insurance carriers are required to file their proposed premium changes with the Centers for Medicare & Medicaid Services (CMS) for review and approval.

Rate Review Process

CMS reviews the proposed premium changes to ensure they are reasonable and justified. The review process considers several factors, including:

  • Medical and prescription drug cost increases
  • Utilization of healthcare services
  • Plan design and benefits
  • Administrative expenses

Factors Influencing Premium Changes

The following factors may contribute to premium increases or decreases:

  • Rising healthcare costs, such as hospital and physician fees
  • Increased utilization of certain healthcare services, such as emergency room visits or specialist consultations
  • Changes in plan benefits, such as adding or removing coverage for certain services
  • Changes in the age and health of the Medigap enrollees

Plan-Specific Adjustments

Premium adjustments may vary by plan and insurer. Some plans may experience larger increases or decreases than others due to factors specific to their operations.

Impact on Beneficiaries

Medigap plan premiums are typically paid monthly. Beneficiaries should be aware of any potential premium adjustments and factor them into their financial planning. Those with fixed incomes may need to make adjustments to their budgets or consider enrolling in a more affordable plan.

Plan Type Premium Increase
Plan F 6.5%
Plan G 4.8%
Plan N 3.2%

Long-Term Care Insurance Integration in Medicare

Medicare is the federal health insurance program for Americans aged 65 and older, as well as those with certain disabilities. Long-term care is a type of care that helps people with activities of daily living, such as bathing, dressing, and eating. Long-term care can be provided in a variety of settings, such as at home, in a nursing home, or in an assisted living facility.

Hybrid Products

Medicare Advantage plans are private health insurance plans that provide Medicare Part A and B coverage. Some Medicare Advantage plans also offer long-term care coverage, either as an added benefit or as a separate policy. Hybrid products combine Medicare coverage with long-term care coverage into a single policy. This can make it easier for people to access and pay for long-term care services.

Medicare Supplement Plans

Medicare supplement plans are private health insurance plans that help to pay for out-of-pocket costs associated with Medicare, such as deductibles, copayments, and coinsurance. Some Medicare supplement plans also offer long-term care coverage. Medicare supplement plans do not provide coverage for Medicare Part A or B services.

Stand-Alone Long-Term Care Insurance

Stand-alone long-term care insurance policies provide coverage for long-term care services, regardless of whether the person has Medicare coverage. These policies can be purchased from private insurance companies.

Coordination of Benefits

When a person has both Medicare and long-term care insurance, the coordination of benefits (COB) rules determine which insurance plan pays first. In general, Medicare will pay first, and the long-term care insurance plan will pay second.

Impact on Medicare Premiums

Having long-term care insurance can impact Medicare premiums. For example, if a person has a Medicare Advantage plan that includes long-term care coverage, their Medicare Part B premium may be lower. If a person has a Medicare supplement plan that includes long-term care coverage, their Medicare supplement premium may be higher.

Telehealth Coverage Expansion

The Centers for Medicare & Medicaid Services (CMS) has announced significant expansions to Medicare telehealth coverage under the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015. These expansions aim to improve access to healthcare services for Medicare beneficiaries, particularly those in rural and underserved areas.

One major change is the removal of geographic restrictions for telehealth services. Previously, telehealth services were only covered if the beneficiary lived in a rural area or travelled to a designated originating site. Under the new rules, beneficiaries can access telehealth services from any location, including their homes.

Another significant expansion is the coverage of audio-only telehealth services. Previously, telehealth services required video conferencing. However, CMS has recognized the challenges that some beneficiaries face with video access, and has now allowed for audio-only services for certain types of visits, such as mental health appointments.

Expanded Covered Services

The MACRA legislation also expands the range of services covered under telehealth. These now include:

  • Evaluation and management (E&M) services
  • Behavioral health services
  • Chronic care management
  • Preventive services
  • Remote patient monitoring
  • Medication management

CMS has also established a new reimbursement code for bundled telehealth services, which cover multiple services provided during a single session. This will help streamline the billing process and reduce administrative burdens for providers.

Table of Expanded Covered Services

Service Type Covered Services
Evaluation and Management (E&M)
  • New patient visits
  • Established patient visits
  • Consultations
Behavioral Health
  • Individual therapy
  • Group therapy
  • Medication management
Chronic Care Management
  • Development of a care plan
  • Monitoring of patient progress
  • Coordination of care with other providers
Preventive Services
  • Wellness exams
  • Cancer screenings
  • Immunizations
Remote Patient Monitoring
  • Monitoring of vital signs
  • Transmission of patient data
  • Evaluation and interpretation of data by a healthcare provider
Medication Management
  • Prescription medication refills
  • Medication reconciliation
  • Medication education

Home-Based Care Initiatives

Medicare Advantage (MA) plans are increasingly offering home-based care initiatives to improve the quality of life for beneficiaries and reduce healthcare costs. These initiatives include:

Non-Medical Home Care Services

These services provide assistance with activities of daily living (ADLs), such as bathing, dressing, and meal preparation, to help beneficiaries maintain their independence and quality of life.

Remote Patient Monitoring

Using devices and sensors, beneficiaries can track their vital signs and other health data from home. This allows healthcare providers to monitor their health remotely and intervene early if necessary.

Telehealth Services

Telehealth services allow beneficiaries to receive medical care from their homes through video conferencing or phone calls. This is convenient and reduces the need for in-person visits.

Medication Management

Medication management programs provide support to ensure that beneficiaries take their medications as prescribed. This can prevent adverse drug interactions and improve health outcomes.

Care Coordination

Care coordinators work with beneficiaries and their caregivers to develop and manage personalized care plans. They coordinate services and ensure that beneficiaries receive the support they need.

Transportation Services

Transportation services provide beneficiaries with transportation to medical appointments, pharmacies, and other essential destinations. This is especially important for beneficiaries who have difficulty accessing transportation.

Home Modifications

Home modifications can make it safer and easier for beneficiaries to live independently in their homes. This may include installing ramps, grab bars, or other safety features.

Home-Based Care Initiatives Description
Non-Medical Home Care Services Assistance with activities of daily living
Remote Patient Monitoring Tracking of vital signs and health data from home
Telehealth Services Medical care via video conferencing or phone calls
Medication Management Ensuring proper medication use
Care Coordination Development and management of personalized care plans
Transportation Services Providing transportation to medical appointments and essential destinations
Home Modifications Making homes safer and more accessible

Chronic Care Management Program Enhancements

The Chronic Care Management (CCM) program provides support and resources to beneficiaries with multiple chronic conditions. In 2025, the CCM program will undergo several enhancements to improve its effectiveness and reach.

Enhanced Remote Care Monitoring

The CCM program will incorporate remote care monitoring services to allow providers to track beneficiaries’ health data remotely. This will enable providers to identify potential health issues early and intervene promptly.

Expanded Care Coordination Services

Care coordination services will be expanded to include additional activities, such as facilitating communication between beneficiaries and their healthcare team, coordinating appointments, and addressing social determinants of health.

Increased Reimbursement for High-Risk Beneficiaries

To incentivize providers to care for high-risk beneficiaries, reimbursement rates will be increased for beneficiaries with complex medical needs. This will ensure that these beneficiaries have access to the necessary support and resources.

Improved Quality Measures

New quality measures will be implemented to assess the effectiveness of CCM services. These measures will focus on patient outcomes, such as reduced hospitalizations and improved quality of life.

Additional Training for Providers

Providers will be required to complete additional training on chronic care management best practices. This training will ensure that providers have the necessary skills to provide high-quality CCM services.

Enhanced CCM Eligibility

The eligibility criteria for CCM services will be expanded to include beneficiaries with certain chronic conditions, regardless of their age.

Telehealth Visits for CCM

Telehealth visits will be allowed for CCM services, increasing access to care for beneficiaries who face barriers to in-person visits.

Reimbursement for Individual CCM Services

In 2025, Medicare will implement a new payment structure for individual CCM services.

Service Reimbursement Rate
Initial Comprehensive Assessment $42
Follow-up Comprehensive Assessment $35
Non-Face-to-Face Care Management Plan $12
Care Management Plan Review $12

Quality Improvement Metrics for Medicare Providers

Medicare Advantage (MA) plans are required to report quality measures on the Medicare Plan Finder website, Medicare.gov/plan-compare. These measures assess the quality of care provided by MA plans to their beneficiaries.

Reporting Framework

The Centers for Medicare & Medicaid Services (CMS) uses a reporting framework to collect and assess quality measures for MA plans. This framework includes:

  • Core Measures: 23 measures that are used to determine a plan’s overall quality.
  • Targeted Measures: 16 measures that focus on specific areas of care, such as diabetes or mental health.
  • Additional Measures: 6 measures that collect information on specific topics, such as health equity or access to care.

Health Equity Measure Group

The Health Equity Measure Group (HEM) is a group of 9 measures that assess a plan’s performance in providing equitable care to their beneficiaries. These measures include:

  1. Disparities in Care Management for Beneficiaries with Diabetes
  2. Disparities in Care Management for Beneficiaries with Cardiovascular Disease
  3. Disparities in Care Management for Beneficiaries with Heart Failure
  4. Disparities in Care Management for Beneficiaries with Chronic Kidney Disease
  5. Disparities in Care Management for Beneficiaries with Asthma
  6. Disparities in Care Management for Beneficiaries with Depression
  7. Disparities in Care Management for Beneficiaries with Osteoporosis
  8. Disparities in Care Management for Beneficiaries with Colorectal Cancer Screening
  9. Disparities in Care Management for Beneficiaries with Breast Cancer Screening

The HEM measures are used to identify and address disparities in care, improve health equity, and ensure that all beneficiaries have access to high-quality care.

Medicare Modernization Act Impact on AEP 2025

Covered Part D Drug Costs

The Medicare Modernization Act (MMA) expanded the coverage of prescription drug costs under Part D. This has significantly reduced the financial burden for seniors and individuals with disabilities who rely on prescription medications.

Medicare Part D Donut Hole Closed

The MMA gradually closed the “donut hole” coverage gap in Part D, which was a phase in which beneficiaries had to pay the full cost of their prescriptions until they reached a certain spending threshold. This has provided more predictable drug costs for individuals.

Increased Access to Generic Medications

The MMA encouraged the use of generic medications by creating incentives for beneficiaries to switch from brand-name drugs. This has helped lower prescription drug costs overall.

Simplified Enrollment Process

The MMA streamlined the enrollment process for Medicare Part D, making it easier for individuals to compare plans and choose the one that best meets their needs.

Annual Enrollment Period (AEP)

The MMA extended the AEP for Medicare Part D to seven weeks, from October 15th to December 7th. This provides seniors and individuals with disabilities more time to review their coverage options and make informed decisions.

Coverage for Preventive Services

The MMA expanded coverage for preventive services under Part B, including cancer screenings and wellness visits. This has helped improve the health and well-being of seniors and individuals with disabilities.

Prescription Drug Sponsors

The MMA provided greater oversight of prescription drug sponsors and imposed penalties for marketing violations. This has helped protect consumers from deceptive advertising and pricing practices.

Dual-Eligible Beneficiaries

The MMA improved coordination of benefits for individuals who are dual-eligible for Medicare and Medicaid. This has helped ensure that these individuals have access to comprehensive healthcare coverage.

Improved Quality of Care

The MMA introduced quality measures for Medicare Advantage (MA) plans and Part D prescription drug plans. This has helped improve the quality of care for seniors and individuals with disabilities.

Benefits Table

The table below summarizes the key benefits of the Medicare Modernization Act:

Benefit
Expanded coverage of prescription drug costs under Part D
Closed Medicare Part D donut hole
Increased access to generic medications
Simplified enrollment process
Extended Annual Enrollment Period (AEP)
Coverage for preventive services
Oversight of prescription drug sponsors
Improved coordination of benefits for dual-eligible beneficiaries
Improved quality of care

Medicare AEP 2025: What to Expect

The Medicare Annual Enrollment Period (AEP) for 2025 will run from October 15th to December 7th, 2024. During this time, Medicare beneficiaries can make changes to their Medicare coverage, including their Medicare Advantage (Part C) and Medicare Part D prescription drug plans. It is essential to understand the changes and options available during this period to ensure you have the right coverage for your healthcare needs.

One significant change for Medicare AEP 2025 is the introduction of a new Medicare Advantage plan type called the Medicare Advantage Value-Based Insurance Design (VBID) plan. VBID plans will provide additional benefits and cost-sharing protections to beneficiaries who meet certain criteria, such as having chronic conditions or low incomes. Beneficiaries should explore VBID plans during AEP 2025 to determine if they qualify and if these plans meet their healthcare needs.

Another change for Medicare AEP 2025 is the potential for increased premiums and deductibles for some Medicare Advantage and Part D plans. Beneficiaries should carefully review their plan options and consider their financial situation when making decisions during AEP 2025. It is essential to weigh the costs and benefits of different plans to find the best coverage at an affordable price.

Beneficiaries who are satisfied with their current Medicare coverage may not need to make any changes during AEP 2025. However, reviewing plan options and comparing them to their current coverage is always advisable. By staying informed and understanding the changes for Medicare AEP 2025, beneficiaries can make informed decisions to ensure they have the best Medicare coverage for their needs.

People Also Ask About Medicare AEP 2025

When is Medicare AEP 2025?

The Medicare Annual Enrollment Period (AEP) for 2025 will run from October 15th to December 7th, 2024.

What changes are coming for Medicare AEP 2025?

A significant change for Medicare AEP 2025 is the introduction of a new Medicare Advantage plan type called the Medicare Advantage Value-Based Insurance Design (VBID) plan. Other changes include potential increases in premiums and deductibles for some Medicare Advantage and Part D plans.

What should I do during Medicare AEP 2025?

During Medicare AEP 2025, beneficiaries should review their current Medicare coverage, compare plans, and make any necessary changes to ensure they have the best coverage for their healthcare needs. Beneficiaries can review Medicare plans and enroll online at Medicare.gov, by calling 1-800-MEDICARE (1-800-633-4227), or through a licensed insurance agent.

7 Major Changes to Medicare Commissions in 2025

5 Medicare AEP Changes You Need to Know

As we approach 2025, a pivotal year in healthcare, the future of Medicare commissions hangs in the balance. With the expiration of the current payment structure, policymakers and healthcare providers alike are grappling with the question of what lies ahead. The upcoming changes have the potential to profoundly reshape the landscape of Medicare reimbursement, with far-reaching implications for both providers and beneficiaries.

One of the key issues under consideration is the shift towards value-based care. This approach emphasizes rewarding providers for delivering high-quality, efficient care rather than simply for the volume of services provided. By tying reimbursements to outcomes, Medicare aims to incentivize providers to focus on patient health and well-being, ultimately leading to better care for beneficiaries. However, the transition to value-based care presents significant challenges, particularly for smaller practices and those in rural areas that may struggle to adapt to the new payment models.

Another important consideration is the rising cost of healthcare. Medicare spending is projected to increase substantially in the coming years, driven by factors such as an aging population and the rising prevalence of chronic diseases. As a result, policymakers are exploring ways to curb healthcare costs while ensuring that beneficiaries continue to have access to affordable, quality care. Potential measures include increasing the use of generic drugs, reducing administrative costs, and implementing more stringent oversight of healthcare spending. The challenge lies in striking a delicate balance between cost containment and maintaining the quality of care that Medicare beneficiaries deserve.

Addressing Physician Shortages

The projected shortage of physicians in the United States is a pressing concern, as it poses significant challenges to patient access to healthcare.

Factors contributing to this shortage include:

  • An aging population requiring more healthcare services.
  • Increased demand for specialized care.
  • Limited training capacity for new physicians.

Long-Term Solutions

Addressing the physician shortage will require long-term solutions, such as:

  1. Increasing Medical School Capacity: Expanding the number of medical schools and increasing enrollment can increase the supply of physicians. However, this is a costly and time-consuming approach.
  2. Streamlining the Residency Process: Shortening residency programs or creating alternative pathways to residency can accelerate the availability of physicians in practice.
  3. Enhancing Physician Retention: Measures to retain physicians in the workforce include addressing burnout, providing financial incentives, and improving work-life balance. Some states have implemented programs like loan repayment assistance or tax breaks to encourage physicians to practice in underserved areas.

Additional strategies may include:

  • Telehealth and virtual care to expand access to care.
  • Advanced practice providers and physician assistants to supplement physician services.
  • Innovative training programs to attract and retain a diverse workforce.

Enhancing Quality of Care for Medicare Beneficiaries

Medicare is a federal health insurance program that provides coverage for millions of Americans aged 65 and older, as well as those with certain disabilities and conditions. In 2025, Medicare commissions will undergo a number of changes aimed at improving the quality of care for beneficiaries.

Focus on Value-Based Care

Medicare will continue to shift its focus from volume-based care to value-based care. This means that providers will be rewarded for delivering high-quality, cost-effective care rather than simply for the number of services they provide.

Improved Quality Measurement

Medicare will develop new quality measures to better assess the quality of care provided by providers. These measures will focus on outcomes that are important to beneficiaries, such as patient satisfaction, functional status, and health outcomes.

Enhanced Beneficiary Engagement

Medicare will take steps to enhance beneficiary engagement in their care. This will include providing beneficiaries with more information about their health care options and making it easier for them to access care.

Preventing Avoidable Hospitalizations

Medicare will implement a number of initiatives aimed at preventing avoidable hospitalizations. These initiatives will include:

Initiative Description
Enhanced Care Management Providing additional support to patients with chronic conditions to help them manage their care and avoid hospitalizations.
Transitional Care Improving coordination of care between hospitals and other settings to reduce the risk of hospital readmissions.
Home Health Services Expanding access to home health services to help beneficiaries recover from illnesses or injuries at home.
Telehealth Using telehealth to provide remote care to beneficiaries, reducing the need for in-person visits.

Reducing Fraud and Abuse in Medicare

Medicare fraud and abuse is a serious problem that costs taxpayers billions of dollars each year. The Centers for Medicare & Medicaid Services (CMS) has implemented a number of measures to reduce fraud and abuse, including:

5. Targeted Enforcement

CMS has developed a number of targeted enforcement programs to focus on specific areas of fraud and abuse. These programs include:

  • Program for Evaluating Payment Patterns Electronic Report (PEPPER): PEPPER is a data-driven tool that identifies providers who may be engaging in fraudulent billing practices.
  • Targeted Probe and Educate (TPE): TPE is a program that focuses on educating providers about Medicare billing requirements and identifying providers who are billing for unnecessary or inappropriate services.
  • Recovery Audit Contractor (RAC) Program: The RAC program is a third-party review program that audits Medicare claims for potential overpayments.
Program Purpose
PEPPER Identifies providers who may be engaging in fraudulent billing practices
TPE Educates providers about Medicare billing requirements and identifies providers who are billing for unnecessary or inappropriate services
RAC Audits Medicare claims for potential overpayments

Ensuring Medicare’s Long-Term Sustainability

To ensure the long-term sustainability of Medicare, several measures have been implemented:

Medicare Part D Prescription Drug Plans

Part D plans provide prescription drug coverage to Medicare beneficiaries. To control costs and promote competition, the program uses a competitive bidding process to set payment rates for prescription drugs.

Medicare Advantage (MA) Plans

MA plans offer private health insurance that includes Medicare benefits. By negotiating lower payment rates with providers and implementing cost-saving measures, MA plans help reduce Medicare spending.

Provider Payment Reforms

Medicare has implemented payment reforms to encourage providers to deliver cost-effective care. These reforms include creating bundled payments for specific episodes of care, rewarding providers for achieving quality outcomes, and penalizing providers for excessive readmissions.

Fraud and Abuse Prevention

To combat fraud and abuse, Medicare has enhanced its monitoring and detection systems. These systems identify and investigate suspicious claims, resulting in reduced improper payments and cost savings.

Promoting Preventive Care

By investing in preventive care and wellness programs, Medicare aims to prevent chronic diseases and reduce healthcare costs. These programs include screenings, vaccinations, and lifestyle counseling.

Other Cost-Saving Measures

Medicare has also implemented other cost-saving measures, such as:

Measure Savings (in billions)
Increased use of generic drugs $10.0
Improved coordination of care $5.0
Telehealth services expansion $2.0

Value-Based Care in Medicare

Provider Types and Payment Models

Value-based payment (VBP) models reward providers based on the quality and cost-effectiveness of care they deliver. Common VBP models include the Merit-Based Incentive Payment System (MIPS) for individual providers, the Alternative Payment Models (APMs) for groups of providers, and the Comprehensive Primary Care Plus (CPC+) for primary care practices.

Quality Metrics

VBP models use a variety of quality metrics to measure provider performance, including patient satisfaction, clinical outcomes, and efficiency. These metrics are designed to encourage providers to focus on delivering value-based care.

Financial Incentives

Providers can earn financial incentives or penalties under VBP models based on their performance. For example, those who perform well in MIPS may receive bonuses, while those who perform poorly may face penalties.

Data Collection and Reporting

Accurate data collection and reporting is crucial for VBP models. Providers are required to submit data on their performance to CMS in order to determine their eligibility for financial incentives.

Interoperability

Interoperability between electronic health records (EHRs) is essential for VBP models to succeed. Providers must be able to share patient data seamlessly to ensure that the data submitted to CMS is comprehensive and accurate.

Patient Engagement

Patients have an important role to play in VBP models. They can share their experiences and feedback with providers, which can help improve the quality of care.

Challenges

Implementing VBP models can be challenging for providers. They may face difficulties in measuring their performance, collecting data, and meeting interoperability requirements.

Future Trends

CMS is continuing to develop and implement VBP models to improve the quality and value of Medicare-covered care. In the future, we may see more providers participating in VBP models and a greater emphasis on interoperability and patient engagement.

Impact on Healthcare System

VBP models are expected to have a significant impact on the US healthcare system. By rewarding providers for delivering value-based care, these models may help to improve the quality of care, reduce costs, and increase patient satisfaction.

2025 Medicare Commissions

Medicare commissions are payments made to insurance agents and brokers for selling Medicare plans. The commissions are paid by the insurance companies, and they are used to cover the costs of marketing and selling the plans. In 2025, the Medicare commissions will change. The changes are designed to reduce the cost of Medicare plans for beneficiaries and to make the program more efficient.

The most significant change to the Medicare commissions in 2025 is the elimination of the upfront commission. The upfront commission is a payment that is made to agents and brokers when they sell a Medicare plan. In 2025, this payment will be eliminated. This change is expected to reduce the cost of Medicare plans for beneficiaries by about $50 per year.

In addition to the elimination of the upfront commission, the Medicare commissions will also be reduced in 2025. The reduction will vary depending on the type of plan being sold. However, the overall reduction is expected to be about 15%. This change is also expected to reduce the cost of Medicare plans for beneficiaries.

The changes to the Medicare commissions in 2025 are designed to reduce the cost of Medicare plans for beneficiaries and to make the program more efficient. These changes are expected to have a positive impact on the Medicare program and on the beneficiaries who rely on it.

People Also Ask About 2025 Medicare Commissions

Will Medicare commissions be eliminated in 2025?

No, Medicare commissions will not be eliminated in 2025. However, the upfront commission will be eliminated, and the overall commission will be reduced by about 15%.

How much will Medicare commissions change in 2025?

The upfront commission will be eliminated, and the overall commission will be reduced by about 15%.

What is the reason for the changes to Medicare commissions in 2025?

The changes are designed to reduce the cost of Medicare plans for beneficiaries and to make the program more efficient.

2025 Aetna Medicare Advantage Plans

5 Medicare AEP Changes You Need to Know
aetna medicare advantage plans 2025 pdf

If you’re looking for a Medicare Advantage plan that offers comprehensive coverage and affordable premiums, Aetna Medicare Advantage plans are a great option. With a variety of plans to choose from, you’re sure to find one that meets your needs and budget. Aetna Medicare Advantage plans include coverage for doctor visits, hospital stays, prescription drugs, and more. You’ll also have access to a network of providers who are committed to providing you with high-quality care.

One of the things that makes Aetna Medicare Advantage plans so popular is their affordability. Premiums for these plans are typically lower than those for traditional Medicare, and you may also be eligible for financial assistance. In addition, Aetna Medicare Advantage plans offer a number of benefits that can help you save money on your healthcare costs, such as preventive care coverage and prescription drug discounts. Finally, Aetna Medicare Advantage plans offer peace of mind. With these plans, you can rest assured that you’ll have access to the care you need, when you need it. Aetna has a long history of providing quality healthcare coverage, and they’re committed to helping you get the most out of your Medicare benefits.

If you’re interested in learning more about Aetna Medicare Advantage plans, I encourage you to contact your local Aetna representative. They can provide you with more information about the plans and help you enroll in a plan that’s right for you.

Aetna Medicare Advantage Plans 2025: A Comprehensive Guide

Aetna Medicare Advantage Plan Overview

Aetna Medicare Advantage Plans (MA Plans) offer a coordinated approach to healthcare that combines Medicare benefits with additional coverage and services. These plans are available to Medicare-eligible individuals in select regions and provide a variety of options to meet specific healthcare needs and preferences.

Aetna MA Plans typically include hospital, medical, prescription drug, and dental coverage. These plans may also offer additional benefits, such as vision coverage, hearing aids, and gym memberships. Aetna MA Plans are designed to provide comprehensive coverage that is tailored to the individual, while also reducing out-of-pocket expenses.

Benefits of Aetna Medicare Advantage Plans

  • Comprehensive Coverage: Aetna MA Plans provide comprehensive coverage that includes hospital, medical, prescription drug, and dental benefits. These plans may also offer additional benefits, such as vision coverage, hearing aids, and gym memberships.
  • Reduced Out-of-Pocket Expenses: Aetna MA Plans typically have lower out-of-pocket expenses than traditional Medicare. This is because Aetna MA Plans negotiate lower prices with providers and may offer additional coverage for services that are not covered by traditional Medicare.
  • Coordinated Care: Aetna MA Plans offer coordinated care that is managed by a single provider. This means that the individual’s primary care physician will work with specialists and other providers to ensure that the individual receives the care they need.
  • Prescription Drug Coverage: Aetna MA Plans include prescription drug coverage that is tailored to the individual’s needs. These plans may offer a variety of prescription drug plans, including plans that cover both brand-name and generic drugs.
  • Dental Coverage: Aetna MA Plans typically include dental coverage that provides preventive care, such as cleanings and exams, as well as coverage for major dental procedures, such as crowns and bridges.

Benefits and Coverage Options for Aetna Medicare Advantage Plans

Eligibility

To enroll in an Aetna Medicare Advantage Plan, you must be:

  • Age 65 or older
  • Enrolled in Medicare Part A and Part B
  • Eligible for Medicare Supplement Insurance

Benefits

Aetna Medicare Advantage Plans provide a wide range of benefits, including:

  • Hospitalization
  • Medical care
  • Prescription drug coverage
  • Dental and vision coverage
  • Over-the-counter benefits
  • Fitness and wellness programs

Coverage Options

Aetna Medicare Advantage Plans offer a variety of coverage options to meet your specific needs and budget. These options include:

Traditional Medicare Supplement Plans

Traditional Medicare Supplement Plans, also known as Medigap plans, are designed to cover the out-of-pocket costs associated with Original Medicare. These plans are standardized by the federal government, so the benefits offered by different insurers are the same. Medigap plans are offered in a variety of levels, with each level providing different levels of coverage.

Medigap Plan Level Coverage
A Covers hospital coinsurance and copayments, as well as skilled nursing facility care
B Covers all of the benefits of Plan A, plus medical expenses, coinsurance, and deductibles
C Covers all of the benefits of Plan B, plus Part B excess charges
D Covers all of the benefits of Plan C, plus a higher out-of-pocket maximum
G Covers all of the benefits of Plan C, plus Part B excess charges and the Part A deductible
F Covers all of the benefits of Plan G, plus the Part B deductible
High Deductible Plan G Covers all of the benefits of Plan G, with a higher deductible
High Deductible Plan F Covers all of the benefits of Plan F, with a higher deductible

How to Enroll in an Aetna Medicare Advantage Plan

1. Check Your Eligibility

To enroll in an Aetna Medicare Advantage plan, you must meet the following eligibility requirements:

  • Be a resident of the plan service area
  • Be enrolled in Medicare Part A and Part B
  • Not have End-Stage Renal Disease (ESRD)

2. Choose and Review Plans

Aetna offers a range of Medicare Advantage plans, each with different benefits, costs, and coverage. You can compare plans and review their details on Aetna’s website or by contacting a licensed insurance agent.

3. Contact Aetna to Enroll

Once you have chosen a plan, you can enroll in one of the following ways:

  • Online: Visit Aetna’s website and complete the online enrollment form.
  • Phone: Call Aetna’s Medicare Advantage enrollment line at 1-800-331-3635 (TTY: 711).
  • Mail: Download an enrollment form from Aetna’s website and mail it to the address provided.

Additional Enrollment Details

  • Enrollment Period: You can enroll in a Medicare Advantage plan during the Initial Enrollment Period (IEP), which begins three months before you turn 65 and ends three months after. You can also enroll during the Annual Election Period (AEP), which runs from October 15 to December 7 each year.
  • Retroactive Coverage: If you enroll in a Medicare Advantage plan during your IEP, your coverage will begin on the first day of the month you turn 65. If you enroll during the AEP, your coverage will begin on January 1 of the following year.
  • Special Enrollment Period (SEP): There are exceptions to the IEP and AEP enrollment periods, such as when you lose other coverage or move to a new area. Contact Aetna to see if you qualify for a SEP.

Understanding Aetna Medicare Advantage Plan Costs

Monthly Premiums

Monthly premiums for Aetna Medicare Advantage plans vary depending on the plan you choose, your location, and your tobacco use status. Plans with lower premiums typically have higher deductibles and copays, while plans with higher premiums have lower out-of-pocket costs.

Deductibles

A deductible is the amount you must pay out-of-pocket before the plan begins to cover services. Deductibles for Aetna Medicare Advantage plans range from $0 to $7,550 for individual coverage and $0 to $15,100 for family coverage.

Copayments

Copayments are fixed amounts you pay for certain services, such as doctor visits, prescription drugs, and lab tests. Copayments for Aetna Medicare Advantage plans vary depending on the plan and the service.

Coinsurance

Coinsurance is a percentage of the cost of a service that you pay after you meet your deductible. Coinsurance percentages for Aetna Medicare Advantage plans typically range from 10% to 40%.

Out-of-Pocket Maximum

The out-of-pocket maximum is the most you will have to pay for covered services in a calendar year. Out-of-pocket maximums for Aetna Medicare Advantage plans range from $4,000 to $18,350 for individual coverage and $8,000 to $36,700 for family coverage.

Coverage Individual Coverage Family Coverage
Monthly Premium $0-$171 $0-$342
Deductible $0-$7,550 $0-$15,100
Copays Varies Varies
Coinsurance 10%-40% 10%-40%
Out-of-Pocket Maximum $4,000-$18,350 $8,000-$36,700

Understanding Aetna Medicare Advantage Plans for 2025

Aetna Medicare Advantage plans combine Medicare Part A and Part B benefits into a single, comprehensive package. They often include additional coverage, such as dental, vision, and hearing. To find the best plan for your needs, follow these steps:

Choosing the Right Plan Type

Aetna offers various plan types, including:

  • Health Maintenance Organization (HMO): Provides coverage through a network of providers.
  • Preferred Provider Organization (PPO): Allows you to see providers both inside and outside the network.
  • Private Fee-for-Service (PFFS): Gives you the freedom to choose any provider but typically has higher out-of-pocket costs.

Considering Your Health Needs

Think about your health conditions and medications to determine which plan offers the best coverage. Review the plan’s formulary, which lists the covered medications.

Checking Coverage and Costs

Verify that the plan covers the services and providers you need. Compare premium costs, deductibles, and out-of-pocket expenses to determine the most affordable option.

Comparing Additional Benefits

Many Aetna Medicare Advantage plans include extra benefits, such as:

  • Dental and vision coverage
  • Fitness programs
  • Transportation services
  • Meal delivery

Evaluating Customer Service

Research Aetna’s customer service ratings, including responsiveness, problem resolution, and overall satisfaction. This will help you assess the quality of support you can expect.

Plan Type Network Out-of-Pocket Costs
HMO In-network only Typically lower
PPO In-network and out-of-network Higher than HMO but lower than PFFS
PFFS Any provider Highest out-of-pocket costs

Aetna Medicare Advantage Plans with Prescription Drug Coverage

### Medicare Coverage with Aetna Advantage Plans

Aetna’s Medicare Advantage plans provide comprehensive coverage that includes everything covered by Original Medicare (Part A and Part B), plus additional benefits like prescription drug coverage and vision, dental, and hearing services. These plans are offered by private insurance companies that contract with Medicare to provide benefits to Medicare beneficiaries. Aetna Medicare Advantage plans with prescription drug coverage offer a convenient and affordable way to get the healthcare coverage you need.

### Types of Aetna Medicare Advantage Plans

There are several types of Aetna Medicare Advantage plans available, including:

*

  • Health Maintenance Organizations (HMOs): HMOs require you to choose a primary care physician (PCP) who will coordinate your care. You must get referrals from your PCP to see specialists.
  • Preferred Provider Organizations (PPOs): PPOs allow you to see any doctor or specialist you want, but you will pay less if you use doctors and hospitals in the plan’s network.
  • Private Fee-for-Service (PFFS) Plans: PFFS plans allow you to see any doctor or specialist you want, and you will be reimbursed for the cost of your care based on a fee schedule.

### Benefits of Aetna Medicare Advantage Plans with Prescription Drug Coverage

Aetna Medicare Advantage plans with prescription drug coverage offer a number of benefits, including:

*

  • Comprehensive coverage that includes everything covered by Original Medicare, plus additional benefits like prescription drug coverage, vision, dental, and hearing services.
  • Affordable premiums and deductibles.
  • Convenient access to care through a network of doctors and hospitals.
  • Peace of mind knowing that you have a plan that will meet your healthcare needs.

### Choosing the Right Aetna Medicare Advantage Plan

When choosing an Aetna Medicare Advantage plan, it is important to consider your individual needs and preferences. Some factors to consider include:

*

  • Your health status and medical needs.
  • Your budget.
  • The types of benefits you want.
  • The doctors and hospitals you want to see.

### How to Enroll in an Aetna Medicare Advantage Plan

To enroll in an Aetna Medicare Advantage plan, you must be eligible for Medicare Part A and Part B. You can enroll during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. You can also enroll during a Special Enrollment Period (SEP) if you have a qualifying life event, such as moving or losing your employer-based health insurance.

### Contacting Aetna Medicare Advantage

If you have questions about Aetna Medicare Advantage plans, you can contact Aetna at 1-800-MEDICARE (1-800-633-4227) or visit their website at www.aetna.com.

### Aetna Medicare Advantage Prescription Drug Coverage

Aetna Medicare Advantage plans with prescription drug coverage provide comprehensive coverage for your prescription drugs. Here are some of the benefits of Aetna Medicare Advantage prescription drug coverage:

*

  • Coverage for a wide range of brand-name and generic drugs.
  • Affordable premiums and deductibles.
  • Convenient access to your prescriptions through a network of pharmacies.
  • Peace of mind knowing that you have a plan that will meet your prescription drug needs.

### How to Use Your Aetna Medicare Advantage Prescription Drug Coverage

To use your Aetna Medicare Advantage prescription drug coverage, you must present your Aetna Medicare Advantage ID card at the pharmacy when you pick up your prescriptions. You will also be responsible for paying any applicable copayments or deductibles.

### Aetna Medicare Advantage Prescription Drug Formulary

Aetna Medicare Advantage plans use a formulary to determine which drugs are covered. A formulary is a list of drugs that have been approved by the plan for coverage. The formulary is updated regularly to add new drugs and remove drugs that are no longer considered to be effective or safe.

You can find a copy of your plan’s formulary on the Aetna website or by calling Aetna customer service.

Aetna Medicare Advantage Plans for Seniors with Chronic Conditions

What is Medicare Advantage?

A type of health insurance that provides all of your Part A and Part B benefits, and may include Part D (prescription drug coverage). Medicare Advantage plans are offered by private insurance companies and must follow rules set by Medicare.

What are the benefits of Aetna Medicare Advantage plans?

Aetna Medicare Advantage plans offer a variety of benefits, including:

  • Lower out-of-pocket costs
  • More comprehensive coverage
  • Access to a wider network of providers
  • Additional benefits, such as dental, vision, and hearing coverage

What are the different types of Aetna Medicare Advantage plans?

Aetna offers a variety of Medicare Advantage plans, including:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Private Fee-for-Service (PFFS) plans
  • Special Needs Plans (SNPs)

How do I choose the right Aetna Medicare Advantage plan?

When choosing an Aetna Medicare Advantage plan, you should consider your individual needs and budget. You should also compare the different plans offered in your area to find the one that best meets your needs.

What are the costs of Aetna Medicare Advantage plans?

The costs of Aetna Medicare Advantage plans vary depending on the type of plan you choose and your location. You should contact Aetna for a personalized quote.

Plan Type Monthly Premium
HMO $0-$300
PPO $0-$500
PFFS $0-$600
SNP $0-$800

How do I enroll in an Aetna Medicare Advantage plan?

To enroll in an Aetna Medicare Advantage plan, you can call Aetna at 1-800-MEDICARE (1-800-633-4227) or visit the Aetna website at www.aetna.com.

The Future of Aetna Medicare Advantage Plans

Expansion of Value-Based Care

Aetna remains committed to value-based care models that reward providers for delivering quality, efficient care. These models incentivize providers to focus on preventive care, chronic condition management, and patient satisfaction.

Personalized Care Management

Aetna will continue to invest in personalized care management programs that provide tailored support to members. These programs help members manage their health conditions, navigate the healthcare system, and achieve their health goals.

Technology Advancements

Aetna recognizes the transformative power of technology and will continue to enhance its digital platforms. Members will have access to telehealth services, mobile apps for managing their health, and advanced analytics tools that provide personalized insights.

Focus on Healthy Aging

Aetna understands the unique healthcare needs of older adults. The company will offer plans that are designed to meet the needs of this growing population, including programs that focus on cognitive health, functional fitness, and social engagement.

Expanded Provider Network

Aetna will expand its provider network to ensure that members have access to a wide range of qualified providers. This includes expanding the network of primary care physicians, specialists, and hospitals.

Enhanced Medicare Supplement Coverage

Aetna will continue to offer Medicare Supplement plans that provide additional coverage to Original Medicare. These plans will be updated to reflect the latest Medicare changes and provide members with peace of mind.

Community Engagement

Aetna believes in giving back to the communities it serves. The company will continue to partner with community organizations to provide health screenings, educational programs, and other initiatives that promote health and well-being.

Financial Stability

Aetna is committed to maintaining strong financial stability. The company has a solid track record of financial performance and is well-positioned to continue providing high-quality Medicare Advantage plans in the years to come.

Aetna Medicare Advantage Plans for Dual-Eligible Beneficiaries

Dual-Eligible Beneficiaries

Individuals who are eligible for both Medicare and Medicaid are known as dual-eligible beneficiaries. They may have limited income and resources and often have complex health care needs.

Medicare Advantage Plans

Medicare Advantage plans are offered by private insurance companies and provide an alternative way to receive Medicare benefits. These plans typically include Part A (hospital insurance) and Part B (medical insurance), and some also offer Part D (prescription drug coverage).

Dual-Eligible Special Needs Plans (DSNPs)

DSNPs are a type of Medicare Advantage plan designed specifically for dual-eligible beneficiaries. These plans provide comprehensive coverage for a full range of health care services, including:

  1. Primary care
  2. Specialist care
  3. Hospital stays
  4. Prescription drugs
  5. Long-term care
  6. Behavioral health
  7. Transportation

DSNP Benefits and Services

DSNPs offer numerous benefits and services tailored to the unique needs of dual-eligible beneficiaries, including:

  1. Low premiums or monthly costs
  2. No deductibles or copayments for many services
  3. Comprehensive coverage for a wide range of health care services
  4. Access to a network of providers who specialize in treating dual-eligible beneficiaries
  5. Extra benefits and services, such as case management, transportation, and nutritional counseling

DSNP Enrollment

To enroll in a DSNP, you must be eligible for both Medicare and Medicaid and reside in the plan’s service area. The enrollment process typically involves contacting the plan directly or through your local Medicaid office.

DSNP Coverage in 2025

DSNP coverage and benefits may vary from plan to plan and state to state. It is important to review the specific coverage details of the plans available in your area to determine the best option for your needs.

Additional Information and Resources

For more information about Medicare Advantage plans and DSNPs, you can visit the following resources:

  • Medicare website: www.medicare.gov
  • National Council on Aging website: www.ncoa.org
  • Aetna Medicare website: www.aetna.com/medicare

Accessing Aetna Medicare Advantage Plans Online

1. Aetna Medicare Website

Visit www.aetna.com/medicare to explore Aetna Medicare Advantage plans online.

2. Medicare.gov

Go to www.medicare.gov and search for “Aetna Medicare Advantage” to find detailed information about Aetna’s plans.

3. Agent Locator

Use Aetna’s agent locator at www.aetna.com/medicare/agents to find a local agent who can guide you through plan options.

4. Medicare & You Handbook

Request a free copy of the “Medicare & You” handbook from Medicare at www.medicare.gov/publications/handbook

5. Social Security Administration Website

Visit www.ssa.gov/benefits/medicare to find resources related to Medicare Advantage plans.

6. Your Current Health Insurance Provider

Contact your current health insurance provider to inquire about Aetna Medicare Advantage plans.

7. Medicare Customer Service

Call 1-800-MEDICARE (1-800-633-4227) to access information about Medicare Advantage plans, including Aetna’s offerings.

8. Local Medicare Office

Visit your local Medicare office for personal assistance and guidance on Aetna Medicare Advantage plans.

9. Compare Medicare Plans Online

Use online comparison tools, such as Medicare.gov’s Plan Finder, to compare Aetna Medicare Advantage plans with other options.

10. Tailored Assistance for Seniors (SFSP)

Seniors can connect with State Health Insurance Assistance Programs (SHIPs) for personalized guidance and potential assistance with enrollment in Aetna Medicare Advantage plans. SHIPs offer free, confidential, and unbiased counseling to help beneficiaries navigate Medicare plan options. You can find a SHIP in your state by visiting www.shiphelp.org.

Aetna Medicare Advantage Plans 2025: A Comprehensive Overview

The Aetna Medicare Advantage Plans 2025 offer a wide range of coverage options and benefits to meet the needs of Medicare beneficiaries. These plans include:

  • Medicare Part A and Part B coverage
  • Additional benefits such as dental, vision, and hearing coverage
  • Wellness programs and discounts on health-related services
  • Access to a network of preferred providers
  • Affordable premiums and out-of-pocket costs

Aetna’s Medicare Advantage Plans are designed to provide comprehensive coverage at an affordable cost. They offer a variety of benefits and services to help beneficiaries stay healthy and active.

People Also Ask About Aetna Medicare Advantage Plans 2025 PDF

When are Aetna Medicare Advantage Plans 2025 available?

Aetna Medicare Advantage Plans 2025 are available during the Annual Enrollment Period, which runs from October 15th to December 7th of each year.

What are the benefits of Aetna Medicare Advantage Plans 2025?

Aetna Medicare Advantage Plans 2025 offer a wide range of benefits, including:

  • Medicare Part A and Part B coverage
  • Additional benefits such as dental, vision, and hearing coverage
  • Wellness programs and discounts on health-related services
  • Access to a network of preferred providers
  • Affordable premiums and out-of-pocket costs

How do I enroll in an Aetna Medicare Advantage Plan 2025?

To enroll in an Aetna Medicare Advantage Plan 2025, you can call Aetna at 1-800-388-3574 or visit Aetna’s website at www.aetna.com/medicare.

Plan Monthly Premium Deductible Copayments
Aetna Medicare Plus $0 $0 $0 for primary care, $15 for specialist visits
Aetna Medicare Choice $10 $100 $20 for primary care, $30 for specialist visits
Aetna Medicare Select $20 $200 $30 for primary care, $40 for specialist visits