Aetna Medicare Supplement Insurance Plan N

Original Medicare (Medicare Part A and Part B) comes with a range of cost responsibilities for beneficiaries. There are deductibles, copayments, coinsurance requirements and even some coverage gaps where patients may be responsible for the full amount of a bill.

Millions of older adults choose Medicare Supplement Insurance plans like Plan N to reduce their out-of-pocket Medicare expenses. Over 1.3 million Medicare beneficiaries are enrolled in Plan N.¹ Depending on where you live, Medicare Supplement Insurance plans from Aetna may be available.

Learn more about Aetna Medicare Supplement Insurance and Plan N in this review and find out if a Medicare Supplement Insurance plan from Aetna fits your Medicare cost coverage needs.

What Medicare costs does Plan N help pay?

Medicare Supplement Insurance Plan N helps cover the out-of-pocket Original Medicare costs detailed below.

Medicare Part A deductible

Medicare Part A requires beneficiaries to satisfy a deductible of $1,632 in 2024 before Part A coverage kicks in.

A benefit period begins the day you are admitted to a hospital or skilled nursing facility as an inpatient and ends when you have not received any inpatient care for 60 consecutive days. You could potentially face multiple benefit periods within the same calendar year, each one requiring you to meet your Part A deductible.

Aetna Medicare Supplement Insurance Plan N covers the Part A deductible, meaning your Part A inpatient coverage begins immediately upon admission for covered care.

Medicare Part A coinsurance

Beneficiaries are responsible for coinsurance payments of $408 per day for inpatient hospital stays longer than 60 days and $816 per day for inpatient stays longer than 90 days each benefit period in 2024, after you meet your Medicare Part A deductible.

Aetna Plan N covers the entire cost of Medicare Part A coinsurance.

Medicare Part B coinsurance and copayments

Medicare Part B beneficiaries must pay coinsurance payments that are typically equal to 20% of the Medicare-approved amount for covered medical equipment and services.

Once you meet your annual Medicare Part B deductible ($240 for the year in 2024), Plan N pays 100% of your Part B coinsurance or copays, except for a copayment of up to $20 for some doctor’s office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

Medicare Part A hospice care coinsurance and copayments

Medicare Part A requires small copayments and coinsurance payments for respite care and for drugs used to manage symptoms and pain.

Plan N covers Part A hospice coinsurance and copayments.

Skilled nursing facility care coinsurance

Medicare Part A requires beneficiaries to pay copayments of $204 per day in each benefit period they’re admitted for inpatient skilled nursing care that lasts longer than 20 days. Beneficiaries are required to pay all costs for inpatient skilled nursing facility stays that last longer than 100 days.

Plan N covers 100% of these skilled nursing facility inpatient coinsurance costs.

First three pints of blood

Medicare coverage of blood used in a blood transfusion doesn’t begin until the fourth pint of blood.

Plan N covers the cost of the first three pints of blood.

Foreign travel emergency care

Original Medicare covers emergency care received outside the U.S. under rare and limited circumstances.

Aetna Plan N covers 80% of foreign emergency medical care costs, which is the maximum allowed by any type of Medicare Supplement Insurance plan.

How Much Does Plan N Cost with Aetna?

The cost of Aetna Plan N may vary based on factors such as where you live, your smoking status and your age. Compare Medicare Supplement Insurance quotes online or call to speak with a licensed insurance agent to determine how much you might expect to pay for Plan N.

The best opportunity to sign up for a Medicare Supplement Insurance plan is when you have guaranteed issue rights, such as during your Medigap Open Enrollment Period. Your Medigap Open Enrollment Period begins the month you are at least 65 years old and enrolled in both Medicare Part A and Part B, and it lasts for six months.

During your Medigap Open Enrollment Period or any other time you have guaranteed issue rights, you are protected from medical underwriting. If you apply for a Medicare Supplement Insurance plan when you don’t have guaranteed issue rights, insurance companies may deny you coverage or charge higher premiums based on your health.

Does Aetna Plan N Have a Deductible?

Aetna Plan N requires no deductible, other than your Medicare Part B deductible.

Who May Enroll in Aetna Plan N?

Medicare Supplement Insurance requires enrollment in Medicare Part A and Part B, and you may only sign up for a plan that is sold in the area in which you live. And depending on where you live, you may have to be at least 65 years old to enroll in a Medigap plan.

What Are the Benefits of Medicare Supplement Insurance?

Medicare Supplement Insurance plans like Aetna Plan N may help reduce your Original Medicare spending. Plan N and other Medigap plans may help cut down on “surprise bills” and allow for more predictable health care spending and budgeting.

Another benefit of Medigap plans is that there are no network restrictions. Aetna Plan N will be accepted by any health care provider who accepts Original Medicare, and your coverage goes with you wherever you go, even if you move to another state.