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Aetna Supplement Plan N

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Aetna Medicare Supplement Plan N: What You Need to Know

Medicare Supplement Plan N or Medigap Plan N is one of the most popular Medicare Supplement plans offered by private insurers. Why? It provides comprehensive coverage — covering most out-of-pocket costs that Original Medicare (Parts A and B) doesn’t cover. Plus, Medigap Plan N balances broad coverage with pocket-friendly rates.

Aetna is one of the leading private insurance companies offering Medicare Supplement Plan N. But is their plan suitable for you? Here, we’ll delve into all the key things you need to know about Aetna Medigap Plan N.

What Does Medicare Supplement Plan N Cover?

Aetna Medicare Supplement Plan N fills many gaps that Original Medicare doesn’t cover. Generally, Medigap Plan N covers the following:

  • Hospital costs: Offers extended hospital coverage for a full year after Medicare benefits are exhausted, covering coinsurance and hospital costs.
  • Medical expenses: Pays 100% of approved Medicare Part B coinsurance for doctor visits and outpatient services, except for co-payments ($20 for office visits and $50 for ER visits not resulting in hospitalization).
  • Blood transfusion: Pays for the initial blood requirement, up to three pints.

Besides these primary benefits, Aetna Medicare Supplement Plan N also caters for 80% of medical costs incurred when receiving treatment abroad, skilled nursing facility care, and the Medicare Part A deductible for hospitalization.

Nonetheless, while Aetna Medicare Supplement Plan N offers broad coverage, it doesn’t cover the following:

  • Part B excess charges: Plan N doesn’t cover the extra amount some doctors can charge if they don’t accept the Medicare-approved rate.
  • Part D prescription medication: You’ll require a separate Part D plan for prescription meds coverage.

Dental, vision, or hearing care: These services aren’t covered by Medicare.

  • Eligibility for Aetna Supplement Plan N

    Here are the criteria you must meet to qualify for Aetna Supplement Plan N:
    Medicare Coverage: You must have Original Medicare (Parts A and B).
    Age or disability: You must be at least 65 or older. In some states, you may also qualify if you have a qualifying disability or end-stage renal disease (ESRD).
    Location: You must reside in a state where Aetna offers the plan.
    Is Aetna Supplement Plan N Suitable for You?
    Medicare Supplement Plan N can relieve you from paying for several out-of-pocket medical expenses and provide decent coverage. But is it the right plan for you? Here are key factors you should consider before enrolling in Plan N:
    Cost: Medigap Plan N is more affordable than plans like Plan F and G. However, the plan’s lower premiums come with the trade-off of having copays for office visits and emergency room visits.
    Coverage: Medicare Supplement Plan N covers 100% of Part B medical expenses. However, the plan doesn’t cover Part B excess charges and Part D prescription medication.

  • Why You Should Choose Aetna Medigap Plan N

    Some private insurance companies have plans with network restrictions, meaning you’ll need to see doctors within the plan’s network to access treatment. With Aetna, you won’t encounter this issue. You’ll be free to choose and visit doctors nationwide, provided they accept Medicare.
    Additionally, if you relocate to another state, your plan won’t be altered or canceled. Your plan will remain intact as long as you pay your premiums on time.
    Want to learn more about Aetna Medigap Plan N or the other Medicare Supplement plans Aetna offers? Contact us today to speak to one of our qualified Medicare agents.

FREQUENTLY ASKED QUESTIONS (FAQs)

Can Aetna Plan N be used with any doctor or hospital?
Aetna Plan N can generally be used with any doctor, specialist, or hospital in the United States that accepts Medicare. Medigap policies typically do not use restricted provider networks or require referrals. However, confirming that a provider accepts Medicare assignment may be helpful because Plan N does not cover eligible Medicare Part B excess charges.
Does Aetna Plan N cover specialist appointments?
Aetna Plan N may help cover eligible Medicare Part B coinsurance for specialist appointments after the annual Part B deductible is met. A copayment of up to $20 may apply to certain office visits. The specialist must accept Medicare patients, and the service must meet Medicare coverage requirements before applicable Plan N benefits are paid.
Are urgent care visits subject to the Plan N emergency room copayment?
Urgent care visits are generally not treated as hospital emergency room visits. Cost-sharing may depend on how Medicare classifies and processes the service. A Plan N office visit copayment may apply in certain situations. The healthcare facility should be asked whether it bills as an urgent care center or hospital emergency department before nonemergency treatment.
When does the emergency room copayment apply under Aetna Plan N?
Aetna Plan N may require a copayment of up to $50 for a Medicare-covered emergency room visit that does not result in an inpatient hospital admission. When the patient is admitted, the emergency room copayment is generally waived. Other Medicare deductibles or cost-sharing requirements may apply depending on how the services are classified and processed.
Does Aetna Plan N cover Medicare Part B excess charges?
No. Aetna Plan N does not cover Medicare Part B excess charges. These charges may occur when a healthcare provider does not accept Medicare assignment and is legally permitted to bill above the Medicare-approved amount. Confirming that a doctor accepts Medicare assignment before receiving nonemergency care may help reduce the possibility of additional out-of-pocket expenses.