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 Deductible||100% coverage|
|Medicare Part B Deductible||No coverage|
|Medicare Part B “Excess Charges”*||No coverage|
|Copayment or Co-Insurance Fee for Medicare Part B services||100% 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 Exhausted||100% coverage|
|Cost of first 3 Pints of Blood||100% coverage|
|Copayment or Co-Insurance Fee for Medicare Part A Hospice Care||100% coverage|
|Co-Insurance Fees for Skilled Nursing Facility Care||100% 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.
HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. HealthPocket, Inc. is a wholly owned subsidiary of Health Plan Intermediaries Holdings LLC (NASDAQ: HIIQ)