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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.