Texas Medicare Advantage by Aetna

Aetna is a private health insurance company offering several Medicare supplemental insurance plans for Texas residents. Out of the twelve Medigap policies available in Texas, Aetna provides four: Medigap Plan A, B, C and F. Each of the Medigap plans are referred to by letter A-L, with each plan offering various benefits suited for different medical needs.

Unlike many supplemental health insurance companies, Aetna does not require a waiting period before covering the pre-existing medical conditions of new members. As an Aetna policyholder and Texas resident, you receive immediate coverage of medical care and hospital stays occurring on or after the date your policy begins.

Because supplemental health insurance companies set their own monthly premiums, plans vary in price from insurer to insurer. Knowing how your insurer determines the price of your Medigap plan is important for understanding how much your plan will cost now and in the future. There are three types of pricing structures for Medigap health insurance for seniors: 1) issue-age rated, 2) community rated, and 3) attained-age rated.

Aetna uses the attained-age rated pricing method to set prices for its Medigap policies for seniors. This means that your Medigap premium is based on your age, and increases as you get older. Attained-age rated insurance policies for seniors may cost less when you're younger, but may end up costing the most as you become older. Your premium may also be adjusted for inflation or other factors.

Policyholders of Aetna Medicare supplemental insurance plans benefit from a range of extra services. For example, Texas residents receive discounts on eyeglasses and contact lenses and solutions, LASIK vision correction surgery, and other eye care services and accessories through the Aetna Vision program.

If you're interested in natural health therapies, you'll appreciate the Aetna Natural Products and Services program, which offers discounts on services from participating acupuncturists, chiropractors, nutritional counselors, and massage therapists. Plus, you'll receive discounts on certain herbal and nutritional supplements, over-the-counter vitamins, yoga equipment, aromatherapy, and more.

Aetna's Medigap plans for seniors in Texas also carry the benefit of high-quality customer service. Their 2007 Call Center statistics indicate that 90% of customer issues are solved with one phone call to their support center.