Medigap Plan N – Medicare Supplement

Benefits
Medigap Plans
A B C D F G K L M N
Part A Hospital Coinsurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Benefit for Blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,120 $2,560 N/A N/A

2017 data – Table Source

What is Medigap Plan N?

Thinking about extra expenses , think Medigap Plan N

Plan N is similar to Plan D however, Medigap Plan N has an exception for Medicare Part B co-payments for some office visits.  Medigap plan N will pay 100% of the Part B coinsurance, except for a $20 co-payment for some office visits and some emergency room trips will have a co-payment up to $50, for those visits that don’t result in an inpatient admission.

Medicare supplement Plan N has 100% coverage for the Medicare Part A deductible but no coverage for the Medicare Part B deducible. Medicare supplement Plan N does cover the basic core benefits, which include complete coverage for Part A inpatient hospital coinsurance, the total expense for inpatient hospital care for 365 days after Medicare benefits run out, blood services (initial three pints), coinsurance expenses for Medicare Part B, Part A hospice coinsurance, and the emergency benefits for travelling abroad, up to 80%. All of the Medicare supplement Plans include some level of hospice care.

Plan N may be a good option for you because if you are interested in low out-of-pocket responsibilities. Not all insurance carriers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is the right fit for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that best fits your needs.