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Aetna Medicare Integration Plan A..What does it pay after Medicare Parts A & B ? - aetna premium payments

I think a plan with a deductible of $ 1,000 pass before a payment of up to $ 4000 before the full payment paid by Medicare Parts A and B and between $ 1,000 and $ 4,000 plan only if your plan allows more than Medicare ( This was never in the 5 years I have been registered was).
Apparently, the Aetna plan will pay 20% Medicare does not cover costs and no dials. The premium is almost the same. My concern is .. Is this really necessary or is essentially what I have today.