Medicare Supplement (Medigap) Plan N

Medigap Plan N has you pay for your Medicare Part B deductible, excess charges, and some of your copays for visits to the doctor’s office and emergency room. By doing so, this supplemental policy saves you money on your monthly premium.

What Does Medicare Supplement Plan N Cover?

Medigap Plan N covers the following:

  • Medicare Part A deductible
  • Medicare Part B copayments
  • Skilled nursing facility care coinsurance
  • Medicare Part A hospice care copayments
  • 80% of foreign travel emergency care (up to plan limits)
  • The first three pints of blood used in a medical procedure
  • Medicare Part A hospital coinsurance and other expenses up to an additional 365 days after Original Medicare benefits are exhausted

In regards to your Medicare Part B copayments, you will only pay a $20 copay for some visits to the doctor and up to a $50 copay for visits to the emergency room if you are not admitted as an inpatient.

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What Is Not Covered Under Medicare Supplement Plan N?

Medigap Plan N does not cover Medicare Part B’s deductible or any Part B excess charges. As stated above, you might have to pay a $20 copay for doctor’s visits and $50 for ER visits if you are not admitted as an inpatient. This allows you to receive full coverage of many other expenses that you would normally be responsible for. It also keeps your monthly premium lower than extensive Medicare Supplement Insurance plans.

Medicare Supplement Plan N Eligibility

Like other Medigap plans, you are eligible for Plan N as long as you are enrolled in Original Medicare. It’s best to purchase a Medicare Supplement during Medigap’s open enrollment period, which starts on the first day of the month that you are 65 or over and enrolled in Medicare Part B. 

During open enrollment, you are typically guaranteed eligible to enroll in the medicare supplement insurance plan of your choosing — even if you have preceding health conditions. If you are enrolled in Original Medicare, you will also not be charged a higher premium for any aforementioned health conditions.

But, you can apply for a Medigap Plan at any time. 

If you are considering a Medicare Supplement, we’re ready to navigate you through the process. Whether you want your Medicare cost-sharing partially covered or fully covered, Turning 65 Solutions can help you find the plan that suits your budget and healthcare needs.

Give us a call today at 830-217-6711.