Aetna or People's Health

Humana

What makes Aetna hands down better?

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Humana

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Peoples’ is a managed care plan, not a supplemental policy.

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what is the difference?

Do not do People's Health. They are garbage. Limited providers, limited labs, and a lot off stuff they just don't pay for.

Make sure you know what you are looking at. Be sure you are comparing like products. Medicare is a tricky landscape to navigate until you figure it out. Supplement policies are in place to provide supplemental insurance for the basic Medicare coverage.

Replacement or HMO plans take the place of Medicare. Here’s the (admittedly overly simplistic) explanation I give to people: if you know you aren’t going to need major medical services, then any of the replacement plans (peoples, Humana, etc) will be good. If you have any medical conditions which could have an exacerbation and require significant care, hospitalization, skilled nursing, or rehab, then traditional Medicare is what you want. The reason for this is that the replacement plans require authorization for services and they will often deny the level of service recommended by the treating provider and instead approve the next less intensive level of care.

Those companies are not in business to not make a profit. They are paid per member per month by Medicare. They have to make a profit somewhere along the way. The way they do this is by restricting the types, frequency, and amount of care provided to members. Now, that’s not an entirely negative thing in every situation. However, know what you are getting into before subscribing to one.

If you're talking about Medicare supplements, Aetna's pricing and rate increases are about as reasonable as it gets. Additionally, most companies focus on one Medicare supplement and train their agents to market that one almost exclusively. Aetna's pricing for all of their supplements seem to be reasonable.