Medicare Supplement Plan N | Medigap Plan N | Coverage & Details

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Medicare Supplement Plan N
Medicare Supplement Plan N is currently one of the most affordable Medicare supplement plans. Now keep in mind, being "affordable" is completely based off of your individual needs and health status. Plan N does cost less than many other plans, although has some co-pays and small deductibles that other plans don't have. If you are in good health Supplement Plan N might be a good fit for you, however if you are more on the unhealthy side, you will likely be better off spending a little more and going with a more comprehensive policy that has little or no co-pays and deductibles like Medicare Supplement Plan F.

Obviously, one of the main benefits for choosing Medicare Supplement Plan N (Medigap Plan N) over some of the alternative options is due to the lower monthly cost. Medicare Plan N costs approximately 25% less then the "Cadillac" Plan F, as most people are familiar with. For someone who is relatively healthy and does not use healthcare/doctor services more than 5 or so times per year, Plan N can save you a great deal of money every year.

Below is a list of the coverage and benefits for Medicare Supplemental Plan N. The chart will show both what is and is not covered by this Plan N Policy. The co-pay basically consists of up to a $20 office visit charge and up to a $50 emergency room charge. The only deductible you are required to pay with Medicare Plan N is the annual Medicare Part B deductible. The annual Part B deductible is relatively low ($147 in 2013).

As with all Medicare Supplemental Plans, you should be comparing multiple companies for the lowest price, because Medicare Supplemental Providers are required by law to cover the same benefits. The only difference between different providers/companies is the price they charge. Medicare Plan N costs may vary dramatically between one cpmpany and another, but coverage always remains the same.

Medigap Plan N | Part A Coverage MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
HOSPITALIZATION: Semi-private room and board, general nursing and miscellaneous services and supplies.
Services		Medicare Pays	Plan Pays	You Pay
First 60 days		All but $1,184	$1,184 (Part A Deductible)	$0
61st through 90th day		All but $296 a day	$296 a day	$0
91st day and after:
While using 60 lifetime reserve days		All but $592 a day	$592 a day	$0
Once lifetime reserve days are used:
Additional 365 days		$0	100% of Medicare Eligible Expenses	$0**
Beyond the Additional 365 days		$0	$0	All Costs
SKILLED NURSING FACILITY CARE: You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital.
Services	Medicare Pays		Plan Pays	You Pay
First 20 days	All approved amounts		$0	$0
21st through 100th day	All but $148 a day		Up to $148 a day	$0
101st day and after	$0		$0	All costs
BLOOD:
Services	Medicare Pays		Plan Pays	You Pay
First 3 pints	$0		3 pints	$0
Additional amounts	100%		$0	$0
HOSPICE CARE: You must meet Medicare's requirements including a doctor's certification of terminal illness.
Services	Medicare Pays		Plan Pays	You Pay
Hospice care	All but very limited copayment / coinsurance for out-patient drugs and inpatient respite care		Medicare copayment / coinsurance	$0
**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

Medigap Plan N | Part B Coverage MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR
Once you have been billed $147 of Medicare-Approved amounts for covered services your Medicare Part B Deductible will have been met for the calendar year.
MEDICAL EXPENSES: In or Out of the Hospital and Outpatient Hospital Treatment, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment.
Services	Medicare Pays	Plan Pays	You Pay
First $147 of Medicare Approved Amounts	$0	$0	$147 (Part B Deductible)
Remainder of Medicare Approved Amounts	Generally 80%	Balance, other than up-to $20 per office visit, and up-to $50 per emergency room visit. The co-payment of $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.	Up-to $20 per office visit, and up-to $50 per emergency room visit. The co-payment of $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
Part B Excess Charges (Above Medicare Approved Amounts)	$0	$0	All costs
BLOOD:
Services	Medicare Pays	Plan Pays	You Pay
First 3 pints	$0	All costs	$0
Next $147 of Medicare Approved Amounts	$0	$0	$147 (Part B Deductible)
Remainder of Medicare Approved Amounts	80%	20%	$0
CLINICAL LABORATORY SERVICES:
Services	Medicare Pays	Plan Pays	You Pay
Tests for Diagnostic Services	100%	$0	$0

 

MEDICARE PARTS  A & B
HOME HEALTH CARE: Medicare Approved Services.
Services	Medicare Pays	Plan Pays	You Pay
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable medical equipment:
First $147 of Medicare Approved Amounts	$0	$0	$147 (Part B Deductible)
Remainder of Medicare Approved Amounts	80%	20%	$0

 

OTHER BENEFITS - NOT COVERED BY MEDICARE
FOREIGN TRAVEL: Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA. (Canada & Mexico only.)
Services	Medicare Pays	Plan Pays	You Pay
First $250 each calendar year	$0	$0	$250
Remainder of charges	$0	80% to a lifetime maximum of $50,000	20% and amounts over the $50,000 lifetime maximum

To learn more about Medicare Supplement Plan N coverage and benefits, you can call and speak with one of our Medicare Advisors by calling toll-free: (800) 351-6603. You can also compare plans & prices directly online using our online quote form.

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