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Medigap Plan N

Plan N is a relatively popular Medigap policy among Medicare beneficiaries: one in ten of all Medigap enrollees had Plan N 2019, and the number of people choosing Plan N is growing every year. It’s a great way to get ample coverage while still paying a relatively low monthly premium.

What does Medigap Plan N cover?

If you choose Medigap Plan N, your coverage will include:

  • Part A coinsurance payments for inpatient hospital care up to an additional year after your Medicare benefits have been expended
  • Part A deductible ($1,484 in 2021)
  • Skilled Nursing Facility (SNF) and Part A Hospice Care coinsurance and copays
  • Part B coinsurance and preventive care coinsurance 
  • First three pints of blood for a medical procedure 
  • Foreign travel emergency expenses (up to your plan’s limit)

However, Plan N doesn’t cover your Part B deductible or Part B excess charges.*

Additionally, with Plan N, you will be responsible for paying a copay when you visit the doctor (up to $20 per visit) and the emergency room ($50 per visit)

As with other plans, the monthly premium that you end up paying for Plan N cand depend on a number of factors, such as your age, where you live, and when you enroll in your Medigap policy. 

*Excess charges are incurred when a medical provider doesn’t “accept assignment” or, in other words, charges more than the Medicare-approved amount that corresponds to their services.

Medigap Plan N Copays

One very important thing to consider when deciding whether or not Plan N is a good fit for you is the plan’s copay policy. 

Plan N covers your Part B coinsurance, but you will still be required to pay up to a $20 copay for certain doctor’s visits and a $50 copay for emergency room visits (as long as they don’t result in inpatient admission). However, trips to urgent care don’t require a copay. Know that these copays can be avoided with a Plan G

Medigap Plan N is a great option for many Medicare beneficiaries, which is one of the reasons that it is so popular. However, it is always in your best interest to consult with a knowledgeable insurance agent before deciding on a Medigap plan

If you would like Medigap advice, don’t hesitate to reach out to a team member here at Medicare Plans Direct today.

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