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All you need to know about Aetna Medigap Plan N

aetna medicare plan n
Aetna Medicare Plan N

Medicare saves lives, but this standard healthcare insurance initiative doesn’t cover everything. To fill these gaps, Aetna provides Medicare Supplements to more than 22 million people, making it the third-largest health insurer in the United States. Aetna Medigap Plan N is Aetna’s exclusive Medicare Supplement plan for Medicare that offers a low-cost alternative to more comprehensive policies like G or F. Plan N is a relatively novel provision that debuted in 2010. Since then, enrollment in Plan N has been growing progressively each year. Recent 2017 studies showed that Aetna Medicare Plan N was the third-most popular plan, with 10% of Medigap enrollees selecting it.  Aetna Medigap Plan N provides the cheapest rate of Medicare Supplement Plans and a fair amount of benefits. Aetna Medicare Plan N has a strong financial rating and additional features and benefits.

 

Aetna Medigap Plan N Benefits

With Aetna Medicare Plan N, you will enjoy:

 

Aetna Medigap Plan N: costs and provisions

You will observe that Plan N appears similar to Plans D and G. But unlike Plan G, Aetna Medigap Plan N does not cover the Part B excess charges. This means that a provider can charge a patient 15% higher than the Medicare-approved negotiated service price. There is also an important proviso with Plan N coverage for Part B coinsurance. Under Plan N, you will still be liable for certain copayment rates, which is up to  $20 for every office visit, and $50 for ER visits that do not end up hospitalized. The plan covers all other Part B coinsurance amounts. Pricing and availability for this option vary as they do with other Medigap plans. Overall, it could cost about $135 per month for a 68-year-old from Michigan to purchase an Aetna Medigap Plan N.

 

Aetna Medigap Plan N comparison chart

It is easier to visualize the differences in plans at a glance to make an informed decision quickly.

Medigap Benefits

Plan F

Plan G

Plan N

Medicare part A coinsurance and hospital costs- up to 365 days after Medicare benefits are exhausted

Yes

Yes

Yes

Medicare benefits are used up

Yes

Yes

Yes

Medicare Part b Coinsurance or copayment

Yes

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Part A hospice care coinsurance or copayment

Yes

Yes

Yes

Skilled nursing facility coinsurance

Yes

Yes

Yes

Medicare part A deductible

Yes

Yes

Yes

Medicare part B deductible

Yes

No

No

Medicare part B excessive charges

Yes

Yes

No

Foreign travel emergency (up to plan limits)

Yes

Yes

Yes

 

What do Consumer Rating agencies think about Aetna Medigap Plan N?

Rating companies score Aetna high marks for financial stability. Standards and Poor’s gave Aetna a high financial strength rating of A-3. Aetna Medigap Plan N also has an A+ rating with the Better Business Bureau. Owing to its longstanding history as a company, it has a strong fiscal portfolio and a healthy track record of handling consumer complaints and issues.

 

Additional benefits of Aetna Medicare Plan N

Being on the books of Aetna, you get to enjoy juicy perks like access to a nurse hotline that can help you answer healthcare questions. Aetna knows that a healthy customer means lower and more stable rates. For this, the company offers free exercise programs and gym memberships as an added value to their product. They cheer you on with coverage that facilitates your wellbeing. Once you register for the Aetna Medicare Plan N, you can find an Aetna Fitness class at many YMCAs and community centers.

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