Medicare Supplement Plan N Insurance (Medigap Plan N)
Original Medicare coverage only covers about 80% all of your healthcare needs. Medicare Supplement Plan N is one of several Medigap plan options that help to fill the gaps in Medicare coverage (that 20% not covered). Plan N is becoming a popular Medicare Supplement plan choice with our clients.
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What Does Medicare Supplement Plan N Cover?
It has similar benefits to other Medigap Plans G and N. You are responsible for copayments up to $20 when you visit the doctor’s office (or up to $50 for emergency room visits). Plan N also does not cover Part B excess charges, which is the additional amount a doctor may charge for services above what Medicare covers. Plan N, as with Plan G, will not cover Part B cost until the Part B annual deductible is met.
Medicare Plan N vs. The Other Plans
To see how Medicare Plan N fits your needs, it helps to do a side-by-side comparison with the other plan options. The Medicare Supplement Plan Comparison chart shows the benefits covered and not covered under each letter. By doing a Medicare Plan N comparison, you will notice that Plan G is the most similar in terms of the level of coverage available. The only difference is, with Plan G there are no coinsurances for office and emergency room visits. It is also comparable to less popular plans K and which only pay 50% and 75%, respectively. Consequently, Medigap Plan N costs about 25% less than other plans such as Plan G or Plan F.
Medicare Supplement Insurance (Medigap) Plan N
|Medicare Part A coinsurance and hospital cost (up to an additional 365 days after Medicare benefits are used)|
|Medicare Part B coinsurance or copayment|
|Blood (first 3 pints)|
|Part A hospice care coinsurance or copayment|
|Skilled nursing facility care coinsurance|
|Part A deductible|
|Part B deductible|
|Part B excess charges|
|Foreign travel emergency (up to plan limits)||80%|
- Plan N: You must meet the yearly Part B deductible ($185 in 2019), and a copayment of up to $20 for some office visits and up to $50 for emergency room visits. Plan N then pays 100% of covered services for the rest of the calendar year.
Finding Medicare Supplement Insurance Plan N
Basic Medigap benefits are standardized across each letter category. So, Plan N benefits are exactly the same as any other Plan N, no matter which insurance company you purchase the policy from. Cost and availability will vary by insurance company and location.
Above all, our advisors make it easy for you to navigate and choose the right insurance plan for your healthcare needs. Personalized assistance offered in person or over the phone, online or in office. Call us today at 1-800-784-8969 for the most up to date plan information in your area.