Aflac Medicare Supplement Plan N
- Learn about Aflac Medicare Supplement Plan N, including what it covers, how it compares to other Medigap plans and how you can apply for Plan N if it's the best plan for you.
Many beneficiaries choose Medicare Supplement Plan N because of its mix of basic coverage combined with premiums that are typically more affordable than some other Medicare Supplement plans. This mid-level plan is now available from Aflac, which began selling Medigap plans again in 2022 after a brief time of not offering this type of insurance.
In this review, we detail Aflac Medicare Supplement Plan N including what it costs, what it covers and who is eligible. You can use this guide to help determine if Aflac Medicare Plan N might be the right choice of coverage for your needs.
You can compare Medicare Supplement plans online to find out which plans are available where you live and to see how much each plan costs. If you want help comparing plans, you can also call to chat with a licensed insurance agent.
What Does Aflac Medicare Supplement Plan N Cover?
Plan N is the third most popular Medicare Supplement (or "Medigap") plan available.
Aflac Plan N offers coverage in seven of the nine Medicare Supplement benefit categories. The chart below gives an overview of how Plan N coverage compares with the 10 other types of standardized Medicare Supplement Insurance plans available in most states.
|Medicare Supplement Benefits||A||B||C1||D||F1||G||K||L||M||N|
|Part A coinsurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B coinsurance or copayment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Medicare Part B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.
Medicare Part A Deductible
Every time a Medicare beneficiary begins a benefit period, they must satisfy a Medicare Part A deductible before most Part A coverage kicks in.
Aflac Medigap Plan N – like Plan N from any insurance company – covers your Part A deductible in full, no matter how many times you’re admitted for inpatient care throughout the year.
Medicare Part A Coinsurance
After you reach your Part A deductible, Medicare Part A then requires daily coinsurance payments for inpatient hospital stays that last longer than 60 days. Medigap Plan N takes care of these coinsurance requirements for you.
Medicare Part B Coinsurance and Copayments
Medicare Part B also requires you to pay coinsurance or copayments after you meet your Part B deductible. These charges typically equate to 20% of the Medicare-approved amount for the covered service or item.
Medicare Supplement Plan N from Aflac or any other insurance company covers your Part B coinsurance or copay costs in full. However, certain types of office visits may require you to make a copayment of up to $20, and an emergency room visit that does not result in a hospital inpatient admission may require a copayment of up to $50.
Part A Hospice Care
Any medications or other products used to alleviate pain and symptoms during hospice care may require small copayments under Part A, and respite care comes with small coinsurance charges. These are both covered by a Medigap Plan N like the one sold by Aflac.
Part A Skilled Nursing Facility Care Coinsurance
Skilled nursing facility care also requires a coinsurance charge for extended inpatient stays, all of which are covered by Aflac Medigap Plan N.
First Three Pints of Blood
Medicare covers the cost of blood used in a transfusion starting the fourth pint. Plan N picks up the full cost of the first three pints.
Foreign Emergency Care
Medicare coverage of emergency care received outside of the U.S. and U.S. territories is restricted to very rare circumstances, but Medicare Supplement Plan N covers 80% of such care, which is the maximum amount allowed by law.
What Does Aflac Medicare Supplement Plan N Not Cover?
There are two benefit areas that can be covered by other Medicare Supplement plans that are not covered by Aflac Plan N.
- The first is the Medicare Part B deductible. Part B requires an annual deductible to be satisfied before most Part B coverage takes effect. In 2022, the deductible is $233.
Federal law dictates that only those who became eligible for Medicare prior to January 1, 2020, are allowed to have a Medicare Supplement plan that covers the Part B deductible (such as Plan F and Plan C).
- The second type of Medicare cost not covered by Plan N is Medicare Part B excess charges. An excess charge can occur when you visit certain health care providers who have a contract with Medicare that allows the provider to charge up to 15% more than the Medicare-approved amount.
Excess charges may be avoided simply by not visiting providers who have this type of contract with Medicare.
How Much Does Aflac Medicare Supplement Plan N Cost?
Medicare Supplement rates can vary widely from one customer to another, and Aflac Medicare Supplement Plan N is no exception.
Therefore, the best way to find out how much you can expect to pay for Aflac Plan N is to compare plans online or to call and chat with a licensed insurance agent who can review the plan options available in your area along with factoring in your age, gender, tobacco use and other things that can affect your rate.
What Are the Advantages of Enrolling in Aflac Medigap Plan N?
The coverage offered by Aflac Medicare Supplement Plan N is not the only advantage some enrollees may enjoy when they join the plan.
- Medicare Supplement Insurance is not bound by any network restrictions. An Aflac Plan N will be accepted by any health care provider who accepts Original Medicare, anywhere in the U.S. or U.S. territories.
- Aflac locks in your rate for 12 months, so there will be no premium increases during your first year of enrollment.
- Aflac also allows you to return your plan for a full refund of your premiums with 30 days of enrollment if you decide for any reason not to continue.
- Aflac Plan N is guaranteed renewable, which means your enrollment will be renewed every year as long as your premiums are paid in full.
Am I Eligible for Aflac Medigap Plan N?
In order to apply for Aflac Medigap Plan N, you must meet each of the following criteria:
- You are enrolled in both Medicare Part A and Part B
- You are at least 65 years old (in most states)
- You live in an area in which Aflac sells Plan N
When Can I Apply for Aflac Medicare Supplement Plan N?
You may enroll in Medicare Supplement Insurance anytime. However, doing so during your Medigap Open Enrollment Period protects you from insurance companies using medical exams and other underwriting to determine your rates.
Your Medigap Open Enrollment Period begins the month you are enrolled in Part A and Part B and are at least 65 years old. Your Medigap OEP only lasts for six months, so be sure to compare plans and review all your options as you approach Medicare eligibility.
How Do I Apply for Medicare Supplement Plan N?
You can compare Medigap plans online or call to get in touch with a licensed insurance agent who is authorized to sell Medicare Supplement Plan N and other Medigap plans that may be available where you live.