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.
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