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Despite its many benefits, Medicare does not cover everything. Over 22 million people rely on Aetna’s Medicare Supplements to fill those gaps, making it the third-largest health insurer in the country.
The Aetna Medicare Plan N for Medicare provides a low-cost alternative to more comprehensive policies like G or F as part of Aetna’s Medicare Supplement plan. 2010 marked the debut of Plan N, a relatively new plan. The number of Plan N enrollees has been growing steadily ever since.
Among Medicare Supplement Plans, Aetna Medigap Plan N offers the best value and a fair amount of coverage. In addition to its strong financial rating, Aetna Medicare Plan N also offers additional features and benefits.
Aetna Medigap Plan N: Costs and Prices
Aetna Medigap Plan N is similar to Plans D and G. However, it does not cover excess charges for Part B. A provider that does not accept Medicare Assignment can charge you 15% more than the Medicare-approved negotiated price.
If you are covered by Plan N, you will still be responsible for certain copayments, which are up to $20 for every office visit, and up to $50 for any emergency room visit that does not result in hospitalization.
All other coinsurance amounts under Part B are covered by the plan. Medigap plans vary in price and availability, just like other insurance plans. Aetna Medigap Plan N might cost $135 per month, on average, for a 68-year-old Michigan resident.
What Does Aetna Medicare Supplement Plan N Cover?
Plan N differs from Plan F and Plan G in that you will have to pay a copayment of up to $20 for some doctor visits and up to $50 for emergency room treatment that does not require you to be hospitalized. Since the monthly premiums are lower, the co-pays add up to savings for healthy seniors.
Here’s what Aetna Plan N Covers:
- Up to an additional 365 days after Original Medicare benefits are exhausted, Medicare Part A hospital coinsurance will apply
- Medicare Part A hospice care coinsurance or co-payment
- The coinsurance or copayments for Medicare Part B (except for a copayment of up to $20 for some office visits and a copayment of up to $50 for ER visits that do not result in inpatient care)
- First three pints of blood used in a medical procedure
This plan also offers the following additional benefits:
- Skilled Nursing Facility coinsurance
- Medicare Part A deductible
- Foreign travel (up to plan limits)
How Much Does Aetna Plan N Cost?
Aetna Medicare Supplement Plan N is priced between $80 and $175 per month. You will pay a different premium depending on your age, whether you smoke, and where you live when signing up for Aetna Medicare Supplement Plan N. For instance, a 65-year-old woman who does not smoke living in zip code 77070 would pay $102 per month.
Can I enroll in a Plan at any time?
An Aetna Medicare Supplement plan requires enrollment in Medicare Part A and B. When you reach 65 years of age and enroll in Original Medicare, you begin your Guaranteed Enrollment Period. Due to your pre-existing health issues, you will not be declined or charged higher rates at this time.
Are you interested in learning more?
Our mission is to provide you with the information you need to make an informed decision about Medicare. No matter which provider you choose, whether it is Aetna or a competitor, you should get the best plan.