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Aetna Medicare Supplement Plan Review | Aetna Medigap Plan Reviews - YouTube
Channel: Christopher Westfall
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hi my name is Christopher Westfall the
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senior savings Network we're a licensed
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in 42 different states were completely
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independent broker today I want to talk
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about one of our carriers in the
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marketplace and that is Aetna Aetna life
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and health and has been in the industry
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actually since 1850 that's amazing
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that's a long time ago and Aetna today
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is one of the best priced Medicare
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supplement carriers in the United States
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it has a great brand but they also have
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different divisions that you probably
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need to know about so if you do a basic
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Google search for reviews about Aetna
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you might find some people who have
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reviewed it based on their employer
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based plan where people work in the
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workplace they're under 65 health
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insurance plan their Medicare Advantage
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plan but you'll find very few reviews
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about the Medicare supplement and that's
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the source of our focus today the
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Medicare supplement you see is based on
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the standardized plans of Plan F plan G
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plan in that everybody's come to know
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and if you look at the Medicare & you
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guidebook you'll find a statement in
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there that says all Medicare supplement
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plans are standardized the plans are the
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same benefits the only difference is the
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price that you pay so we want to look at
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two things when you're buying a Medicare
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supplement first the price is the price
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competitive compared to its competitors
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in the marketplace and secondly how is
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their customer service tie waldron
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choose the president of Aetna's medicare
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supplement division takes great pride in
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the fact that when you call Aetna you
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actually receive somebody on the phone
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in tennessee nashville tennessee where
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they're headquartered and sometimes
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they'll have that southern accent that
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he says gives the impression that
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they've got all the time in the world to
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help you with your particular problem
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they don't answer the phone with one of
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those IVRS that's press 1 for this press
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2 for that they believe in customer
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service which is very rare in today's
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world so when I write somebody with met
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with Aetna's Medicare supplement I know
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that they're gonna have peace of mind
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knowing that when they do have to call
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in and generally it's only for one of
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two things when they call in to Aetna
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either change the address where I've
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moved to or change the billing
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information because they've changed
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banks all the claims are paid
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electronically just like with all the
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Medicare supplement carriers and if it's
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approved at Medicare it's automatically
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approved at
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Supplement so it's a Medicare approved
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claim basis so let me tell you how easy
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it is to get started with Aetna I
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mentioned that we sell in 42 different
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states we help seniors all across the
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country we don't do it in Alaska or
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Washington DC and some other few states
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but here's how it works we get our
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clients on a screen share with us and
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that's as easy as if you have an email
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address you simply receive an email you
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receive the email from me you click on
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the link that's in there and suddenly
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you're on an encrypted secure
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communication where you can then sit
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back put your feet up and watch the
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screen on the screen I'll be filling out
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the Medicare supplement application so
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you can see everything and this way we
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have zero errors on our applications you
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can see any input the street address
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your name spelled correctly exactly as
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it's found on your Medicare card which
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is critical and then the routing
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information and the checking information
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which is how they do the payment of the
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premiums through direct deposit all the
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insurance companies are doing it that
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way today but through this secure
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connection you can see the application
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being submitted correctly the first time
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and it can take as little as five
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minutes to submit the application it's
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very very simple I've been in business
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for twenty years and I've seen every
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electronic application done by all the
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carriers and I can honestly sell and you
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get immediate verification that your
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policy is going to be approved with the
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policy number about seven to ten days
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later you receive the policy in the mail
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with your ID card knowing that your
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coverage will start on the effective
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date you can apply for turning 65 up to
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six months in advance of your turning 65
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date which is the beginning of the month
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and what your birthday is there's a
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benefit to doing that you can lock in
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today's rate now with all Medicare
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supplement carriers they can adjust the
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rate whenever they feel like it as long
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as it's approved with the Department of
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Insurance and they can justify it
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actually companies tend to do this about
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once per year but if you're smart about
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it and you have enough time you can lock
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in the rate up to six months before your
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birthday six months before you start on
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Medicare and get today's rate locked in
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now Aetna is one of many companies that
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locks in your rate on the effective date
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for 12 months before there's any
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potential rate adjustment so that means
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let's say let's say it's December is
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when you're turning 65
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we could write the application in June
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locking in today's rate for December so
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that gives you six months of a lock in
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rate and then twelve months because they
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won't raise it for 12 months after it
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starts
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so effectively you've got 18 months of
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locked in coverage where the rate cannot
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be adjusted that's terrific
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I already told you the e app is very
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very simple if you don't have a computer
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that's fine but you probably wouldn't be
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watching this video but it's okay if you
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have a tablet cell phone any of those
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kind of things that can work to do the
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signature online which is merely just a
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click very very easy but they also have
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a voice signature option too so if you
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know someone that taken wants to take
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advantage of Aetna they don't have a
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computer
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we simply three-way call them in and the
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automated system just takes their verbal
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signature that they understand
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everything now as part of the process we
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send you a series of disclosure
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documents to your email if you don't
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have email we'll put them in the mail to
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you these documents include the guide to
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Medicare buying a Medicare supplement
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coverage the outline of coverage which
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is all the rates in your state in one
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document the electronic delivery of
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notices which explains how electronic
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signatures work the HIPAA compliance law
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and what's the other one there's another
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one in there too all these documents are
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sent to you electronically in your email
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you can read over them at your leisure
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and because their legalese documents
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sometimes they might help you go to
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sleep late at night if you can't take
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the time to go to sleep you just read
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these documents because they're
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government documents for the most part
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and they'll put your right to sleep like
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a baby but anyway the part of the
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electronic application is step one we
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send you those electronic documents we
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send it right to your email and then
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when we talk to you on the phone we
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confirm that you've received those
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documents you can read them over at any
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time oh the other document blank copy of
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the application they want you to see the
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application before we even start filling
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it out now don't print that application
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and send it in because they won't know
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who to process that contract from but
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it's just for your information purposes
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only so when you receive that email we
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just want you to know what's involved in
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the process second step is we get you on
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that easy screen share with us simply by
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receiving an email and clicking on that
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link then you're hands-free until the
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very end we fill out the application
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together we do it on the phone
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do it on a recorded call so we can
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protect you and protect us and then at
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the end of that process you simply click
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the button that says click to apply
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electronic signature no no mess no fuss
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you don't have to send in a paper
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through FedEx or US Postal Service or
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anything it's done through an electronic
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encrypted communication where
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everything's right in front of you in
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full disclosure so you see absolutely
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everything and again that process can
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take as little as five minutes it's very
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very easy to to do now some agents don't
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take advantage of the electronic
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application I don't know why but in the
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old days up to 40% of applications
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received by companies like Aetna had
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errors in them they were not in good
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order as they called it so those
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applications had to go back to the agent
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back to the client get initials get
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fixed and all that today with electronic
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applications we don't have that problem
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anymore especially if you can let us
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come on the screen in your home and show
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you the actual application so
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everything's right there can get now let
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us help you with the application
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we're in 42 different states chances are
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we're in your state we've been in
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business 20 years and we support and
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service our members every year if we can
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be of service to you our phone numbers
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down below here and is a very strong
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company with strong customer support we
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enjoy our partnership with Aetna we're
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independent brokers we find the best fit
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for you and your particular zip code and
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those things do change about quarterly
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so let us shop the market for you make
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sure you've got the best value but our
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review of Aetna from both our thousands
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of clients and as an independent
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brokerage I can tell you they are a
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strong great stable company and every
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year we enjoy seeing tie Wooldridge at
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the Medicare supplement conference this
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last one was in Orlando where he shared
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Aetna's commitment to the Medicare
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marketplace and to the independent
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broker community making sure that they
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don't have one captive exclusive product
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that no one can access it's available to
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independent brokers which is a great
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strong strength for you the senior and
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for us as independent brokers so we can
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continue to bring you honest independent
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reviews of who might be the best fit for
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your Medicare needs so my name is
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Christopher Westfall if I can be of any
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service to you contact us at senior
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savings network.org
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or the phone number found below thank
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you for your time have a great day bye
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bye
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you
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