Medicare Plans by Turning 65 Solutions


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 doctor visits and emergency room visits. By doing so, this supplemental policy saves you money on your monthly premium. It is a good option for beneficiaries who would like to get a large amount of coverage but say more money on a monthly premium. It is one of the most popular supplemental policies among Medicare beneficiaries next to plan F and Plan G.

What Does Plan N Cover?

This policy is also one of the most popular on the market and it will get you benefits as follows:

  • Medicare Part A deductible
  • Medicare Part B coinsurance 
  • Skilled nursing facility care coinsurance
  • Medicare Part A hospice care copayment or coinsurance 
  • 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  up to an additional 365 days after Original Medicare benefits are used

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. This will be your out-of-pocket costs next to Part B deductible and Part B excess charges. 


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What Medigap Plan N Don't Cover?

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 $50 for ER visits if you are not admitted as an inpatient. Part B deductible is 226$ in 2023, and monthly premium costs can range 120$ to 180$ a month. However, in some countries, it can be as low as 70$. Your monthly expense can depend on several factors like your ZIP  code, age, gender, tobacco usage, etc. To determine how much your costs will be talk with an insurance company agent first. 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. However, if you do not enroll during the Initial Enrollment Period when you are first eligible, and your Part B coverage becomes effective you would need to answer health questions. The provider then might turn down your application based on health conditions.

If you are considering Medigap policies, we’re ready to navigate you through the process. Private Insurance companies, like Turning 65 Solutions can help you find the plan that suits your budget and healthcare needs, whether you want your Medicare cost-sharing partially covered or fully covered.

Give us a call today at 830-313-5173.