Medicare Supplement Plan N

Plan N

Highlights

Medicare Supplement Plan N is a good Medigap option for healthy people looking to save on their monthly plan premium.

Medigap Plan N highlights:

  • Lower monthly premiums than Plans F and G

  • An excellent option for people in good health

  • Use with any doctor that accepts Medicare

  • $198 annual deductible (in 2020)

  • Does not cover Part B excess charges

  • $20 copayment for doctor visits

  • $50 copayment for ER visits

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Supplement Quote Today!

Comparison of Popular Medigap Plans

Basic benefits*, including 100%

Part B coinsurance

Part A deductible

Part B deductible

100% Part B excess charges

$0 plan deductible

$198 Part B deductible

Plan N

$20 copayment for office visit; $50 copayment for ER

$198 Part B deductible

Not covered

(after deductible)

$2340 annual plan deductible

*Basic benefits: 

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

  • Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

How Much Does Medigap

Plan N Cost?

What Does Medigap

Plan N Cover?

Medicare Supplement Plan N enrollees must pay a $20 copayment for doctor visits and a $50 copayment for visits to the emergency room. Otherwise it is identical to Plan G except it does not cover Medicare Part B excess charges. Part B excess charges occur when a provider does not accept Medicare assignment for a procedure, therefore charging more than Medicare allows. 

Plan N covers:

  • Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

  • Medical Expenses: after Part B deductible, plan pays balance after Original Medicare's 20%, other than $20 copays for doctor visits and $50 copays for ER visits

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

  • Skilled Nursing Facility Care: up to 100 days of skilled nursing facility care.

  • Does not Cover Part B Excess Charges.

  • Foreign Travel Medical Services: after a $250 deductible during the first 60 days, Plan N pays 80% of the remainder of charges up to a lifetime maximum of $50,000.

Printable Full Description of

Plan N Coverage

Should You Choose Medigap Plan N?

Medicare Supplement Plan N is an appealing option for people in good health. Plan N premiums are lower than Plans F and G. This savings in premium can often offset the $20 copayment for doctor visits. While Plan N does not pay for Part B excess charges, most doctors accept Medicare assignment, meaning there is no excess charge.  

There are a few reasons you might choose Plan N:

  • Lower premiums. Plan N has lower premiums than Plans F and G. If the annual premium savings with Plan N exceeds your estimated copays for doctor visits, then it might make financial sense to choose Plan N.

  • Your doctor accepts Medicare assignment. A potential drawback of Plan N is that it does not pay for Medicare Part B excess charges. If the doctors you see accept Medicare assignment, then Part B excess charges are less of a concern. You can call your doctor to confirm that they accept Medicare assignment, but we recommend double-checking on Medicare.gov.

Medigap Plan N Topics

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Toll Free:(888) 505-3822

 

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All rights reserved. Licensed name varies by state: Montana Life Group, Troy Baccus,

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We are not connected with or endorsed by the United States government or the federal Medicare program. The trademarks and logos appearing on this page are owned by the respective companies named or depicted therein.

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