Aetna Medicare plans in the Capital Region
What Aetna sells to Medicare beneficiaries in New York, what the Capital Region's hospitals say about it in 2026, and how it compares. I'm appointed with Aetna; I'm also appointed with the carriers it competes with, which is the point.
Aetna (Aetna Health Inc. (a New York corporation) for Medicare Advantage; Aetna Life Insurance Company and Aetna Health and Life Insurance Company for Medicare Supplement; home office Hartford, Connecticut) sells the following to New York Medicare beneficiaries: Medicare Advantage HMO and PPO plans with Part D; Dual-eligible (D-SNP) plans; Stand-alone Part D plans (SilverScript); Medicare Supplement (Medigap) policies in New York. Aetna's Medicare Advantage lineup changes by county every year; a plan sold in Albany County may not exist in Saratoga County. I'm appointed with Aetna and with its competitors; the plan is chosen by checking your doctors, your hospital and your prescriptions against each specific plan, not by carrier name, and there's no fee for the comparison.
Who they are
Part of CVS Health. Aetna sells Medicare Advantage, Part D and Medigap in New York; its Medigap rates are in the DFS comparison for the Albany region. All three Capital Region hospital systems list Aetna, though Albany Med and Ellis add the note that they do not participate in all Aetna plans, so the specific plan must be checked.
Plans are issued by Aetna Health Inc. (a New York corporation) for Medicare Advantage; Aetna Life Insurance Company and Aetna Health and Life Insurance Company for Medicare Supplement, home office Hartford, Connecticut (Aetna Life Insurance Company and Aetna Health and Life Insurance Company, 151 Farmington Avenue, Hartford; Aetna Health Inc.'s registered address with NY DFS is in Blue Bell, Pennsylvania). Named here because New York Insurance Law §2122(b) requires a licensee who names an insurer to give its full name and home-office city.
What Aetna sells to Medicare beneficiaries in New York
- Medicare Advantage HMO and PPO plans with Part D
- Dual-eligible (D-SNP) plans
- Stand-alone Part D plans (SilverScript)
- Medicare Supplement (Medigap) policies in New York
Not every product is sold in every county, and I don't offer every Aetna plan. What I can quote for your ZIP code is settled in the first call.
Aetna Medicare Advantage plans in the counties I cover, 2027
14 Aetna plans are filed in the 17 counties I cover for 2027 (Albany, Saratoga, Schenectady, Rensselaer, Warren and Washington in person, the others by phone and video), according to the CMS landscape file read October 27, 2026. Premiums, benefits and star ratings are in each plan's own documents; which of these I can enroll you in, and whether one fits, is the comparison against your doctors and prescriptions.
| Plan | Type | Sold in |
|---|---|---|
| Aetna Medicare Chronic Care Total (HMO C-SNP) | HMO C-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| Aetna Medicare Eagle Giveback (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| Aetna Medicare Elite (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Greene, Dutchess |
| Aetna Medicare Enhanced (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Greene, Dutchess |
| Aetna Medicare Full Dual (HMO D-SNP) | HMO D-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| Aetna Medicare Longevity (PPO I-SNP) | PPO I-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| Aetna Medicare Signature (HMO) | HMO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Columbia, Greene, Schoharie, Ulster, Dutchess |
| Aetna Medicare Elite (PPO) | PPO | Fulton, Herkimer, Hamilton |
| Aetna Medicare Premier (PPO) | PPO | Fulton, Hamilton |
| Aetna Medicare Signature (HMO) | HMO | Fulton, Herkimer, Hamilton |
| Aetna Medicare Signature (PPO) | PPO | Fulton, Hamilton |
| Aetna Medicare Elite (HMO) | HMO | Otsego, Essex |
| Aetna Medicare Elite (PPO) | PPO | Otsego |
| Aetna Medicare Signature (HMO) | HMO | Otsego |
Every carrier's plans, county by county: Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington.
What changed for Aetna from 2026 to 2027
Across the six Capital Region counties: 1 new plan, 1 plan no longer sold, 1 renamed or moved to a new plan ID. Every other Aetna plan continues under the same plan ID; its premium, network and benefits can still change, and your Annual Notice of Change lists what did.
| Change | Plan | Plan ID | Counties |
|---|---|---|---|
| New for 2027 | Aetna Medicare Chronic Care Total (HMO C-SNP) | H3312-112 | All six |
| No longer sold | Aetna Medicare Partial Dual (HMO D-SNP) | H3312-089 | All six |
| New plan ID, same plan | Aetna Medicare Signature (HMO) | H3312-062 → H3312-108 | All six |
If your plan is on the "no longer sold" list, you can choose another plan or return to Original Medicare without waiting for the usual window; the enrollment check shows your dates, and in New York you can also apply for a Medigap policy in any month.
From the CMS landscape files for 2026 and 2027, read October 27, 2026. The comparison covers the six Capital Region counties; the other counties on this site have no 2026 list here to compare against. Every carrier's changes, county by county: what changed for 2027.
Capital Region hospitals and Aetna Medicare Advantage, 2026
| Hospital system | On the hospital's list? | Note from the list |
|---|---|---|
| Albany Med Health System Albany Medical Center (Albany), Saratoga Hospital (Saratoga Springs), Glens Falls Hospital, Columbia Memorial (Hudson), Malta Med Emergent Care | Listed, not all plans | listed with 'does not participate in all plans' |
| St. Peter's Health Partners St. Peter's Hospital (Albany), Samaritan Hospital (Troy), Sunnyview Rehabilitation Hospital (Schenectady), St. Peter's Health Partners Medical Associates | Listed | |
| Ellis Medicine Ellis Hospital (Schenectady), Bellevue Woman's Center (Niskayuna), Medical Center of Clifton Park, Ellis Health Center | Listed |
From the three systems' accepted-insurance pages, read October 15, 2026. "Listed" means the carrier appears on the hospital's list, not that every plan or every physician is in network; "Not accepted" means the hospital states the exclusion; "Not listed" means the carrier is absent from the list, which is unverified rather than excluded. Check the specific plan's directory either way. The full matrix and the hospitals' own wording are on which plans Capital Region hospitals accept; where each Aetna plan stands, hospital by hospital: Albany Medical Center, St. Peter's Hospital, Ellis Hospital, Saratoga Hospital, Samaritan Hospital, Glens Falls Hospital.
Aetna Medigap premiums, Albany region
| Plan | Monthly premium |
|---|---|
| Plan G | $305.19 |
| High-deductible Plan G | Not offered |
| Plan N | Not offered |
DFS comparison of community-rated Medicare Supplement premiums in effect October 1, 2026, Albany region (ZIP prefixes 120–123 and 128–129); the same premium applies at every age in New York. All carriers side by side: Medigap rates, Albany region.
What to watch
Aetna's Medicare Advantage lineup changes by county every year; a plan sold in Albany County may not exist in Saratoga County.
How I use this
I'm appointed with Aetna and with its competitors, and I'm paid by the carrier rather than by you, at commission rates that Medicare caps for Advantage and Part D plans, so the comparison is a fair one. Every recommendation starts with your doctors and your hospital checked against the specific plan's directory, then your prescriptions priced through its formulary, then the total yearly cost. When an Aetna plan is the right answer I'll say so; when it isn't, I'll say that too. Ask for a comparison, or read how to choose a Medicare plan in New York first. Official plan details: Aetna's Medicare site.
- Aetna Medicare (carrier site)
- Insurance company directory (NY Department of Financial Services) — legal entity names and home-office addresses, checked September 16, 2026
- Accepted insurance (Albany Med Health System)
- Accepted insurance (St. Peter's Health Partners)
- Participating insurance listing (Ellis Medicine)
- Comparison of 2026 Medicare Supplement premiums (NY DFS)
- Insurance Law §2122, advertising by licensees (New York State Senate)
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week. Insurers' legal names and home offices: carriers page.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Do you sell Aetna Medicare plans?
Yes. I'm appointed with Aetna and with the other carriers active in the Capital Region, and I'm paid by the carrier rather than by you. Not every Aetna plan is available in every county, and I don't offer every plan; I'll tell you which ones I can quote for your ZIP code.
Does Albany Med accept Aetna Medicare Advantage?
See the hospital table on this page, taken from the Albany Med Health System's own accepted-insurance list as read October 15, 2026, and remember that a carrier on the list does not guarantee every plan or physician is in network; the specific plan's directory is the final check.
Is Aetna the right choice for me?
Only your doctors, hospital, prescriptions and budget can answer that. An Aetna plan is right when those check out against the specific plan, and wrong when they don't, regardless of what the carrier's advertising says. I run that comparison across carriers at no fee.
Does Aetna sell Medigap in New York?
Yes. Aetna files community-rated Medicare Supplement premiums with the New York Department of Financial Services; in New York the same premium applies at every age and the policy is guaranteed-issue in any month. Albany-region premiums for the carriers in the DFS comparison are on the Medigap rates page.
Ask for a Medicare comparison
Your doctors, your prescriptions and your ZIP code are all I need to start. No fee for plan comparison or enrollment.