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Medigap Plan N

Plan N is the last of the 10 standard plan designs for Medicare Supplement insurance (also known as Medigap insurance). Plan N covers many of the cost- sharing (i.e. out-of-pocket expenses) for Medicare services. It is important to note that for Part B medical services some types of doctor visits can result in a charge up to $20 and some emergency room visits can result in a charge up to $50. Other Part B medical services have the out-of-pocket costs fully paid for by Plan N.

Plan N Coverage
Medicare Part A Deductible100% coverage
Medicare Part B DeductibleNo coverage
Medicare Part B “Excess Charges”*No coverage
Copayment or Co-Insurance Fee for Medicare Part B services100% except for a copayment of up to $20 for some doctor visits and up to $50 for emergency room visits that do not result in an inpatient admission
Part A Co-Insurance Fees & Hospital Costs for up to 365 days after Original Medicare Benefits are Exhausted100% coverage
Cost of first 3 Pints of Blood100% coverage
Copayment or Co-Insurance Fee for Medicare Part A Hospice Care100% coverage
Co-Insurance Fees for Skilled Nursing Facility Care100% coverage
Foreign Travel Medical Emergency Coverage (up to plan limits)Yes
Annual Limit on Enrollee Out-of-Pocket Expenses?Not Applicable

Plan N does not include coverage for excess charges. An “Excess charge” is the extra amount a doctor or healthcare provider is allowed to charge you above the Medicare-approved amount for a medical service.

If you are interested in coverage for all the out-of-pocket costs listed in the above table, consider Plan F.

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