What is Medicare Supplement Plan N?

Medicare Supplemental Plan N is one of 10 standardized Medigap plans available in most states. Like other Medigap coverage, this plan helps with certain costs that Original Medicare doesn’t cover, including cost-sharing expenses you may have for hospital services or doctor visits.

Like other Medigap plans in most states, Plan N offers standardized benefits. This means that you’ll get the exact same coverage for Plan N, no matter where you live or which insurance company you purchase the policy from.

Plan N covers the following benefits:

  • Medicare Part A hospital coinsurance and other costs up to an additional 365 days after Original Medicare benefits are exhausted
  • Medicare Part A hospice care coinsurance or copayment
  • Medicare Part A deductible
  • Medicare Part B coinsurance or copayments (except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in inpatient admission)
  • First three pints of blood used in a medical procedure (yearly)
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency care (80%, up to plan limits)

Medicare Supplement Plan N costs

As mentioned, beneficiaries enrolled in Plan N will still be responsible for cost sharing in certain situations. You may have to pay a copayment of up to $20 for doctor visits and up to $50 if you go to the emergency room and aren’t admitted as a hospital inpatient. Additionally, Medicare Supplemental Plan N doesn’t cover the Part B deductible or any Part B excess charges, so you’ll be responsible for paying these costs yourself.

As mentioned, benefits for Plan N are standardized, so benefits will be the same for this plan, regardless of insurance company or location. If you’re considering a Medigap plan, it’s always important to meet with an agent who specializes in Medicare Supplements so you can get the information you need.

 

Medicare Supplement Plan N eligibility and enrollment

Like other Medigap coverage, you’re eligible to enroll in Plan N if:

  • You are enrolled in both Medicare Part A and Part B
  • There is a Plan N available in your service area.

If you have any questions please call Stephen or Carla Fowler at 205-417-5027.  They are Medicare Advisors with Prosurity.  They will be happy to answer any question you may have.

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