Aetna Medicare Advantage 2024: Comprehensive Plans, Enhanced Benefits, and Personalized Care Support

Key takeaways:

  • Aetna offers a variety of Medicare Advantage plans, including HMO, PPO, D-SNPs, and HMO-POS, with comprehensive benefits like dental, vision, and hearing coverage.
  • The company provides extra features like the Extra Benefits Card and OTC Health Solutions, offering allowances for essentials and special plans with low premiums and $0 deductibles.
  • Aetna's D-SNPs cater to individuals eligible for both Medicare and Medicaid, offering extensive coverage, personalized care support, and financial assistance for daily expenses.


Diverse Plan Options

Aetna's lineup includes Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, dual-eligible Special Needs Plans (D-SNPs), and HMO Point of Service (HMO-POS) plans. These options provide beneficiaries the ability to select a plan structure that aligns with their preferences, whether it's low out-of-pocket costs or flexibility in choosing healthcare providers.

Comprehensive Benefits

The Medicare Advantage plans offered by Aetna cover a broad spectrum of health services and benefits. Notably, all Aetna MA plans in 2024 will include dental, vision, and hearing coverage. Many plans also feature allowances for over-the-counter products and wellness programs like SilverSneakers, which can be a boon for maintaining a healthy lifestyle.

Member-Centric Features

Aetna has introduced the Extra Benefits Card and the OTC Health Solutions program to provide added convenience. These programs give members an allowance for essentials such as healthy foods and personal care items. For those with Extra Help, Aetna's Value Plus MA plans offer attractive features like low premiums and $0 deductibles on select drug tiers.

Enhanced Support for Dual-Eligible Members

For individuals eligible for both Medicare and Medicaid, Aetna has broadened its D-SNP offerings, which feature comprehensive health support and robust drug coverage with $0 deductibles. The expansion of PPO plan options in certain states exemplifies Aetna's commitment to providing diverse choices to fit members' needs.

Performance and Satisfaction

According to the CMS, 87% of Aetna's Medicare Advantage members are enrolled in plans rated four stars or higher. This high rating is indicative of Aetna's focus on member experience and care coordination, suggesting a quality service ethos that prioritizes member satisfaction.

Nationwide Availability

With plans offered in 46 states and Washington, D.C., along with stand-alone prescription drug plans available across the country, Aetna's Medicare Advantage plans are widely accessible to beneficiaries seeking coverage.

Fiscal Prudence

Aetna has made an effort to provide cost-effective options, with $0 premium plan choices available to a significant portion of Medicare beneficiaries. The company's focus on reducing prescription drug costs across its Medicare Advantage portfolio also underscores its commitment to affordability.

Community Health Initiatives

Aetna's Resources For Living program helps members connect with local services that address social determinants of health. Collaborations with healthcare providers like Oak Street Health aim to deliver coordinated primary care, emphasizing preventive health and wellness.

Enrollment Considerations

For those interested in Aetna Medicare Advantage plans for 2024, the Medicare Annual Enrollment Period, from October 15 through December 7, is the time to explore options. As with any healthcare plan, it's important to assess network preferences, prescription needs, and cost-sharing expectations before making a decision. In summary, Aetna's Medicare Advantage offerings for 2024 appear to be comprehensive and member-focused, with a variety of plan options and benefits designed to meet the healthcare needs of a diverse beneficiary population. As always, those interested should closely review plan details and consider their own healthcare requirements when evaluating if an Aetna Medicare Advantage plan is the right choice for them.

Comprehensive guide

A Comprehensive Guide to Aetna Medicare Advantage: Maximizing Your Benefits with OTC and Spending Allowance Programs

As healthcare needs evolve with age, choosing the right Medicare Advantage plan becomes crucial. Aetna Medicare Advantage stands out as a comprehensive option, offering not just basic health coverage but also added benefits like over-the-counter (OTC) and spending allowance programs. This detailed guide, in the style of NerdWallet, provides an in-depth look into how these benefits enhance the overall value of Aetna’s plans.

Understanding Aetna Medicare Advantage

Aetna, a subsidiary of CVS Health Corporation, has been a significant player in the healthcare sector since 1853. With a focus on providing tailored health solutions, Aetna offers a range of Medicare Advantage plans that include medical, pharmacy, dental, and behavioral health services. In 2024, these plans have garnered attention for their low-cost options and strong benefits, including above-average member satisfaction ratings.
Key Features of Aetna Medicare Advantage
  • OTC Benefits: Many Aetna Medicare Advantage plans include an OTC benefit, which covers the cost of eligible health and wellness products like pain relief, first aid supplies, and cold and allergy medications. This feature helps members save on out-of-pocket expenses for everyday health items.
  • Spending Allowance Programs: Aetna’s Dual Eligible Special Needs Plans (D-SNPs) offer an Extra Benefits Card, a prepaid card that members can use for various expenses, including healthy foods and select OTC items. The allowance amounts and eligible expenses vary by plan.
  • Plan Ratings and Coverage: As of 2024, 87% of Aetna Medicare Advantage members are enrolled in plans rated 4 stars or higher by CMS. These plans are known for their quality care and customer satisfaction, covering essential health services along with dental, vision, and hearing benefits.
  • Accessibility and Support: Aetna’s plans are available in 46 states and Washington, D.C., with a commitment to exceptional service. The company also offers robust online resources and a dedicated Member Services team to assist with plan details and usage.

Maximizing Your Aetna Medicare Advantage Benefits

Utilizing OTC Benefits
  • Check Your OTC Catalog: Each Aetna Medicare Advantage plan has a specific OTC catalog listing covered items. Members should review their plan’s catalog to understand what products are eligible under their OTC benefit.
  • Shopping for OTC Items: Members can order OTC products online, by phone, or shop in-store at participating CVS locations. This flexibility allows for convenient access to necessary health products.
Leveraging Spending Allowance Programs
  • Understanding the Extra Benefits Card: The Extra Benefits ard provided under D-SNPs offers a monthly allowance for various expenses. Members should familiarize themselves with the card's spending wallets, monthly allowance amounts, and activation process.
  • Making the Most of Your Card: The card can be used for healthy foods, select OTC items, and other approved expenses like rent or mortgage assistance, personal care items, and transportation. It’s crucial to keep track of the balance and utilize the funds effectively.
Navigating Plan Options and Services
  • Choosing the Right Plan: With a variety of plan options, including HMO, PPO, and D-SNP plans, members should assess their healthcare needs and preferences to select the most suitable Aetna Medicare Advantage plan.
  • Accessing Resources and Support: Aetna’s online member portal and customer service provide valuable resources for managing your plan. Members can view their ID card, find network providers, and access health and wellness information.


Aetna Medicare Advantage plans offer a blend of comprehensive health coverage and additional perks that cater to the evolving healthcare needs of its members. With the added benefits of OTC allowances and spending programs, members can enjoy a more holistic approach to health management. As with any healthcare plan, it’s essential to review the specific details and make informed decisions to maximize the benefits available through Aetna Medicare Advantage.

OTC Allowance

Understanding the Aetna Allowance Card Program

Navigating the realm of healthcare benefits can be complex, but programs like the Aetna Allowance Card aim to simplify the process by offering Medicare recipients a convenient way to manage their health-related expenses. This guide will delve into the intricacies of the Aetna Allowance Card Program, providing a clear and unbiased overview for those considering or currently enrolled in eligible Aetna Medicare plans.

What is the Aetna Allowance Card Program?

The Aetna Allowance Card Program is a feature available to members enrolled in certain Aetna Medicare plans, particularly the Dual Eligible Special Needs Plan (D-SNP). The program provides an allowance card, which is preloaded with a certain amount of funds that can be used for qualified health-related expenses.

Benefits of the Allowance Card

The Aetna Allowance Card offers several key benefits to its users:
  • Flexibility: The card comes with designated "Wallets" that allocate funds for various types of expenses, such as healthy foods, over-the-counter (OTC) items, and even utilities or rent.
  • Convenience: Members can use the card at a variety of participating retail locations, including pharmacies and grocery stores, to directly pay for eligible items.
  • Extra Supports Wallet: This feature provides additional financial support for everyday necessities, which can include personal care items, transportation, and pet care supplies.
  • No Additional Cost: The card and its associated benefits are included in the plan at no extra charge, offering financial relief on essential items.

Eligible Expenses

The Aetna Allowance Card can be used for a broad range of products and services, depending on the plan's specifics. Generally, these may include:
  • Healthy foods like fruits, vegetables, meat, and dairy.
  • Over-the-counter health and wellness products such as pain relievers, cold and allergy medications, and first aid supplies.
  • Utilities like electricity, gas, water, and phone services.
  • Rent or mortgage payments.
  • Transportation costs, including gas.
  • Personal care items and pet care supplies.

How to Use the Aetna Allowance Card

Activating and using the Aetna Allowance Card is designed to be a straightforward process:
  • Activation: Upon receiving the card, members must activate it. This can be done over the phone, by scanning a QR code from the welcome materials, or online.
  • Making Purchases: When buying eligible items, members simply swipe the card at checkout and select the credit option when prompted for payment—no PIN is required.
  • Balance Checks: Members can check their card balance at any time using the mobile app provided by the program's administrator, NationsBenefits.
  • Rollover: It's important to note that any unused benefits may not carry over to the next benefit period, so members are encouraged to use their full allowance within the designated time frame.

Considerations When Using the Allowance Card

While the Aetna Allowance Card Program provides a convenient way to cover various expenses, there are a few points to keep in mind:
  • Eligibility: Not all Aetna Medicare plans include the allowance card program. It's vital to confirm whether your plan has this feature before counting on its benefits.
  • Participating Retailers: The card can only be used at approved retail locations. Members should verify that their preferred stores accept the Aetna Allowance Card.
  • Item Eligibility: Before making a purchase, members should ensure the items they wish to buy are covered by the program.
  • Benefit Period: Members should be aware of their plan's benefit period and make sure to use their allowances within that timeframe.


The Aetna Allowance Card Program is a valuable asset for eligible Medicare Advantage plan members, providing financial assistance and simplifying the process of purchasing necessary health-related items. By offering a practical solution to manage healthcare costs, Aetna aids its members in maintaining their well-being without the added financial burden. For those enrolled in qualifying plans, understanding and utilizing this benefit can significantly enhance the healthcare experience.

DSNP Guide

Aetna Medicare Advantage DSNP Benefits: A Comprehensive Guide

Medicare Advantage plans are an essential part of healthcare for many, and Aetna's Dual Eligible Special Needs Plans (D-SNPs) stand out for their comprehensive coverage and added benefits. This article delves into the unique features of Aetna Medicare Advantage DSNP, providing valuable insights for those considering this plan.

Understanding Aetna Medicare Advantage DSNP

Aetna Medicare Advantage DSNP is designed for individuals who qualify for both Medicare and Medicaid. These plans provide a blend of the benefits offered by both programs, ensuring extensive coverage and ease of access to healthcare services.

Key Features of Aetna Medicare Advantage DSNP

  • Integrated Medicare and Medicaid Benefits: DSNP combines Medicare's extensive coverage with Medicaid's cost assistance, offering a seamless healthcare experience.
  • $0 Cost for Part D Prescriptions: In line with Aetna's commitment to affordable healthcare, DSNP provides $0 copays on covered Part D prescriptions at in-network pharmacies.
  • Comprehensive Dental, Vision, and Hearing Coverage: Ensuring overall well-being, the plan covers essential dental, vision, and hearing services.
  • Personal Care Team Support: Members receive support from a dedicated care team, helping them navigate their health needs, from doctor visits to prescription management.
  • Extra Benefits Card: This Benefits Mastercard® Prepaid Card is a unique feature of DSNP, offering allowances for everyday expenses like healthy foods and select over-the-counter items.

The Extra Benefits Card – A Closer Look

The Extra Benefits Card is a standout feature of the DSNP. It provides financial support for various everyday expenses, promoting healthier lifestyle choices. Here's how it works:
  • Monthly Allowances: Members receive specific allowance amounts each month.
  • Versatile Usage: The card can be used for healthy foods, OTC health items, rent or mortgage assistance, utilities, transportation, and even pet care items.
  • Ease of Activation: Members can activate their card through a phone call, QR code scanning, or online.

Why Choose Aetna Medicare Advantage DSNP?

Tailored to Individual Needs

Aetna's DSNP caters to the specific needs of those eligible for both Medicare and Medicaid, offering tailored benefits that go beyond standard Medicare Advantage plans.


With $0 copays on covered prescriptions and additional financial support through the Extra Benefits Card, members can significantly reduce their healthcare expenses.

Comprehensive Coverage

Apart from standard medical coverage, DSNP extends to dental, vision, and hearing services, emphasizing overall health and preventive care.

Support and Accessibility

The personal care team and 24/7 Nurse Line ensure that members receive the support they need, making healthcare more accessible and less overwhelming.


Aetna Medicare Advantage DSNP stands as a robust option for those eligible for both Medicare and Medicaid. Its unique benefits, like the Extra Benefits Card and comprehensive coverage, make it a compelling choice for individuals seeking extensive healthcare support. As healthcare needs evolve, Aetna's DSNP adapts, providing a harmonious balance of coverage, cost savings, and personalized care. is not connected with or endorsed by the United States government or the Federal Medicare program. Not all products are available in all states. Products are available in the following states: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV and WY. There is absolutely no obligation to purchase anything. At, you will talk with a licensed insurance agent in your state. is a licensed and certified representative of Medicare Advantage [HMO, HMO SNP, PPO, PPO SNP and PFFS] organizations [and stand-alone PDP PDP] that have a Medicare contract. Enrollment in any plan depends on contract renewal. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Calling this number 1-833-573-2845 TTY 711 24/7 will connect you to a licensed insurance agent.

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