Medicare Supplement Plan N

Medicare Supplement Plan N covers 100% of all of your coinsurance related to Medicare healthcare expenses including Part A’s deductible. 

However, Plan N has a $20 copay for some doctor’s office visits and up to a $50 copay for emergency room visits if you aren’t admitted as an inpatient.

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What Medicare Supplement Plan N covers

Medigap Plan N covers 100% of: 

  • Medicare Part A coinsurance payments for inpatient hospital care for up to an additional 365 days after Medicare benefits are exhausted
  • Medicare Part B copayment or coinsurance 
  • The first three pints of blood used in a transfusion
  • Part A hospice care coinsurance expense or copayment
  • Skilled Nursing Facility coinsurance
  • Medicare Part A’s deductible

It also covers 80% of a foreign travel emergency.

How Medicare Supplement Plan N compares to other Medigap plans

Plan N is a little different in that it charges copays for doctor visits and emergency room visits (if not admitted as an inpatient).

Otherwise it offers 100% of the costs most Medicare beneficiaries care about.

When can I enroll?

You can enroll once you have Medicare Part B. After your Part B effective date, you will have six months of guaranteed acceptance to enroll in a Medicare Supplement plan. This is a one-time open enrollment in which you cannot be turned down for any health conditions and won’t be charged an additional premium for health concerns. 

After that, you may not be able to get a Medigap plan or you’ll be charged additional premium for health concerns.