Aetna Medicare Supplement Plan N: What Medicare Agents Should Know About This Medigap Plan

Guest post by Marlon Nash.

Aetna Medicare Supplement Plan N is a standardized Medigap Plan N sold under the Aetna name. The benefits match every other company's Plan N. The premium, the rating method, the fees and the household discount are where the Aetna version has its own rules.

Plan N gets pitched as "Plan G with copays." That's close. It's not the whole story.

I work with a lot of new and intermediate agents. The ones who do well with Plan N are the ones who can explain, in plain numbers, what the client gives up to get the lower premium. Here is what Aetna publishes about the plan, with links to the carrier's outlines of coverage and to Medicare's own guides.

Who insures Aetna Medicare Supplement Plan N

Aetna doesn't use one insurer for every state. The company on the policy depends on where the client lives. From the carrier's state outlines of coverage, all dated 2026:

• Aetna Health Insurance Company: Texas, Pennsylvania, Illinois and North Carolina, per the Texas outline of coverage (AHCMS05279TX, rates effective 2/1/2026) and the Pennsylvania outline.

• Continental Life Insurance Company of Brentwood, Tennessee: Ohio, Florida, Tennessee, Georgia, Alabama, Mississippi and Virginia, per the Ohio outline of coverage (CLIMS04882OH, rates effective 4/1/2026) and the Florida outline (CLIMS05595FL, rates effective 7/1/2026).

• Aetna Health and Life Insurance Company: Arizona, Idaho, Indiana, Kentucky and Missouri, per those states' outlines.

• Aetna Life Insurance Company: New York, per the New York outline.

Those are the states I pulled. Aetna's Medicare Supplement plans page links outlines for 42 states. Plan lineups differ too. Texas lists Plans A, B, F, High Deductible F, G and N. Ohio lists A, B, F, G, High Deductible G and N. Florida lists A, B, F, G and N. Plan N shows up in every outline I checked, but confirm the client's state before you quote.

Why it matters: the insurer named on the outline is the one that files the rates, sets the discount and pays the claims. Get the right outline first.

What Plan N covers

Plan N is standardized, so the benefits line up with Medicare's Medigap plan comparison chart. The Texas outline lays out Plan N using 2026 Medicare amounts:

• Part A: the $1,736 inpatient deductible, the $434 daily coinsurance for days 61 to 90, the $868 daily coinsurance on lifetime reserve days, and 100% of Medicare eligible expenses for 365 more hospital days after Medicare benefits run out.

• Skilled nursing facility: up to $217 a day for days 21 to 100.

• Part B: the balance after Medicare pays, other than the Plan N copays below.

• Blood and hospice: the first three pints of blood and Part A hospice coinsurance.

• Foreign travel emergency: 80% after a $250 calendar-year deductible, up to a $50,000 lifetime maximum, for emergency care that begins in the first 60 days of a trip outside the USA.

Those dollar amounts are 2026 figures. CMS had not released the 2027 Part A and Part B amounts as of October 23, 2026, so update your numbers when the new figures come out.

What the client still pays with Plan N

This is the part to explain before the client signs. Plan N leaves four things on the client's side.

The Part B deductible. $283 in 2026, per Medicare's costs page. Plan G leaves this to the client too, so it doesn't change the G vs N comparison.

Office visit copays. Up to $20 per office visit, per the Texas outline.

Emergency room copays. Up to $50 per ER visit. The Texas outline says the $50 is waived if the client is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.

Part B excess charges. Plan N doesn't cover them. If a provider doesn't accept assignment, Medicare's page on whether your provider accepts Medicare says the charge in many cases can't be more than 15% above the Medicare-approved amount. That cap is the "limiting charge," and Plan N leaves it to the client.

One more detail from Aetna's plan page: the Plan N copayments do not count toward the annual Part B deductible. Clients sometimes assume they do. Say it up front.

Plan N vs Plan G: run the napkin math

Plan N exists for one reason. A lower premium in exchange for some cost sharing. So show the client the trade in dollars.

Take a 65-year-old female, Preferred rates, from the outlines:

• Texas, rest of state: Plan N is $1,693 a year and Plan G is $2,466 a year. That's a $773 annual difference, about $64 a month.

• Ohio, rest of state: Plan N is $1,492 a year and Plan G is $2,260 a year. That's a $768 annual difference.

Now the copays. At the full $20, it would take about 38 office visits with a copay in a year to use up that $773 difference. Excess charges and ER copays move that number, so it isn't a guarantee. It's a way to make the trade visible.

Now, to be fair, the gap doesn't stay the same. These are attained-age rates, so both plans climb as the client ages. In the same Texas table, Plan N at 80 is $2,629 and Plan G is $3,626, a $997 gap. That's today's table at older ages, not a forecast. Rates for the same age can change after filing and approval.

The questions that decide it:

• How often does the client see a doctor or specialist?

• Do the client's providers accept assignment?

• Would a $50 ER copay or a surprise excess charge cause real stress?

• Is the client choosing N for the premium today, or for the premium at 75?

How Aetna prices Plan N

Rating method varies by state. The Texas and Ohio outlines say premiums increase with age and that the renewal premium will be the one in effect for the client's attained age. The Florida rate tables are organized by issue age instead. CMS's Choosing a Medigap Policy guide (March 2026) explains the three pricing methods: community-rated, issue-age-rated and attained-age-rated. Know which one you're quoting.

Preferred vs Standard. Outside New York, every outline I checked shows two rate columns. The Ohio outline defines them. Standard rates apply to tobacco users applying outside Open Enrollment or Guaranteed Issue periods. Preferred rates apply to everyone else. The Texas outline says to use Preferred rates when applying during Open Enrollment or Guaranteed Issue periods. In both rest-of-state tables, Standard Plan N at 65 runs about 11% higher than Preferred ($1,881 vs $1,693 in Texas, $1,657 vs $1,492 in Ohio).

Annual premiums, modal factors. Texas and Ohio list annual premiums. Monthly EFT is the annual premium times 0.0833, so the Texas Plan N example above is about $141 a month. Florida lists monthly rates.

One-time fee. The Texas and Ohio rate pages say the rates don't include a $20 one-time policy fee. Florida shows a $20 application fee. Mississippi shows $6. Check the state.

Rate changes. The Texas and Ohio outlines say the insurer can only raise the premium if it raises the premium for all policies like the client's in that state. The Texas outline adds that increases take effect on the next policy anniversary and only after filing and approval by the Texas Department of Insurance. When a rate letter does arrive, our guide on re-shopping Medigap rate increases walks through the steps.

The household discount

Aetna offers a household discount in many states, and the outline sets the terms.

From the Ohio outline:

• The client must apply at the same time as another Medicare-eligible adult, or that adult must already have a Medicare supplement policy with an Aetna company.

• That person must be a spouse or civil union partner, and someone the client has continuously lived with for the past 12 months.

• The discount applies only if a policy is issued for each applicant.

• The discounted rate is 7 percent lower than the individual rate and applies as long as both policies stay in force.

• It ends with divorce or death of the spouse, the end of a civil union, or if either person no longer permanently lives at the same address.

Texas also shows 7 percent, with a slightly different test: a spouse, or someone the client has lived with for the past 12 months. The rate pages show the math as the modal premium times 0.93. The Georgia, Tennessee, Alabama, Virginia, Arizona, Indiana, Illinois, Missouri and Mississippi outlines also show 7 percent. I didn't find household discount language in the Florida or New York outlines.

Aetna's producer household discount guidelines add some useful detail. Both policies must stay in force beyond the 30-day return period. There's one discount per household. When the two policies are with different Aetna underwriting companies, one person may get a different discount or none, depending on what each state approved. That document is dated 2019, so where it and the current outline differ, the outline wins.

Agent tip: if one spouse is a year or two from 65, note it in the file. The guidelines say the discount can apply to the existing policyholder's premium once the second policy issues.

Underwriting, Open Enrollment and guaranteed issue

Medigap Open Enrollment. Medicare's ready to buy page describes the 6-month Medigap Open Enrollment Period. It starts the first month the client has Part B and is 65 or older. During that window an insurance company can't refuse to sell any Medigap policy it offers or use medical underwriting to deny coverage.

Outside that window. Expect health questions. The outlines carry the same warning: answer medical and health history questions truthfully and completely, because the company may cancel the policy and refuse claims if important information is left out or falsified. If you want the full process, start with our Medicare Supplement underwriting guide.

Guaranteed issue and Plan N. This trips up newer agents. The federal guaranteed issue tables in CMS's Choosing a Medigap Policy guide list Plans A, B, C, D, F and G, depending on when the client became eligible. Plan N isn't on that federal list. States can add more rights, and the guide points clients to their State Insurance Department to check. If a client is moving under a guaranteed issue right and wants Plan N, confirm the state rule and the carrier's GI rules before you promise anything.

Right to return. The Texas, Ohio and Florida outlines give a 30-day window. If the client sends the policy back within 30 days of receiving it, the insurer treats it as never issued and returns all payments. And the outlines repeat the standard replacement warning: don't cancel the old policy until the new one is in hand.

Who Plan N tends to fit, and who it doesn't

This is a coverage conversation, not a sales pitch. Same benefits from every company. The price is the only difference between policies with the same letter, per Medicare's Medigap costs page.

Plan N tends to fit clients who:

• See the doctor a few times a year, not a few times a month.

• Use providers who accept assignment.

• Want a lower premium and are comfortable with small, predictable copays.

Plan N may be a weaker fit for clients who:

• Have frequent specialist visits.

• See providers who don't accept assignment.

• Would rather pay more each month than deal with any copays at the counter.

There's no wrong answer. There's an uninformed one.

Your checklist before you quote Aetna Plan N

• Pull the outline of coverage for the client's state and confirm the insurer, plan list and rate effective date.

• Confirm whether the state uses attained-age or issue-age rates, and show the client the rate table at older ages.

• Check Preferred vs Standard: tobacco use and enrollment window.

• Add the one-time policy fee or application fee if the state has one.

• Ask about a spouse or household member for the household discount, and check that state's terms.

• Ask whether the client's doctors accept assignment.

• Run the N vs G math in dollars, for this client.

• If the client is outside Open Enrollment, ask the health questions before you quote. If the client is using a guaranteed issue right, confirm Plan N is available under that right in the state.

• If you're comparing other carriers' Plan G, our breakdown of AARP Medicare Supplement Plan G shows how a different pricing structure works.

FAQ: Aetna Medicare Supplement Plan N

Is Aetna Medicare Supplement Plan N different from other Plan N policies?

The benefits are the same standardized Plan N benefits. Medicare says the price is the only difference between policies with the same letter from different companies. Aetna's insurer, rating method, fees and household discount vary by state.

What copays does Aetna Plan N have?

Up to $20 for some office visits and up to $50 for emergency room visits. The Texas outline says the ER copay is waived if the client is admitted and the visit is covered as a Part A expense. Aetna's plan page says the copays don't count toward the Part B deductible.

Does Aetna Plan N cover Part B excess charges?

No. Plan N doesn't cover excess charges. Medicare says that in many cases a non-participating provider can't charge more than 15% above the Medicare-approved amount.

How much is the Aetna household discount?

In the Texas, Ohio and several other outlines, it's 7 percent off the individual rate while both policies stay in force. Eligibility rules and availability vary by state. The Florida and New York outlines I reviewed don't show one.

Can a client get Plan N with a guaranteed issue right?

Not under the federal guaranteed issue lists in CMS's guide, which name Plans A, B, C, D, F and G depending on eligibility. Some states add rights. Check the state and the carrier's rules first.

The Bottom Line

Aetna Medicare Supplement Plan N is a standard Plan N. The pricing rules around it are not standard.

Pull the right outline. Show the copays in dollars. Check the household discount. Know the GI rules.

If you want help building a Medigap process your clients can trust, book a call with Brock or join one of our weekly agent webinars.

Product details are from Aetna's 2026 Medicare Supplement outlines of coverage for Texas (AHCMS05279TX), Ohio (CLIMS04882OH), Florida (CLIMS05595FL), Pennsylvania, New York and the other states named above, Aetna's Medicare Supplement plans page, and Aetna's household discount guidelines (CGFLP04043), reviewed October 23, 2026. Rates shown are for the areas and effective dates stated in those documents and may change. Plans, fees, discounts and rules vary by state. Always confirm in current carrier materials.