Aetna Medigap Plan N Benefits
With Aetna Medicare Plan N, you will enjoy:- Medicare Part A coinsurance and coverage for clinical benefits
- Medicare Part B coinsurance or copayments – with a proviso
- Coinsurance or copayments for hospice care
- The first three pints of blood in a medical procedure
- Medicare Part A deductible
- Coinsurance for skilled nursing facility care
- You can choose a doctor as long as they accept Medicare
- Foreign travel emergencies up to your policy’s limits (usually 80%)
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 | Medigap Plans | ||
F | G | N | |
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | Yes | Yes | Yes |
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 care coinsurance | Yes | Yes | Yes |
Part A deductible | Yes | Yes | Yes |
Part B deductible | Yes | No | No |
Part B excess charge | Yes | Yes | No |
Foreign travel exchange (up to plan limits) | 80% | 80% | 80% |
Out-of-pocket limit** | N/A | N/A | N/A |
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.
