Speak with a licensed sales agent: 1-800-637-7602 TTY User 711 / Mon-Fri 8:00a - 8:00p
Looking for a plan? Enter your zip code to shop online.
Looking for a plan?
Enter your zip code to shop online.
Home / Resources / Medigap Plan N: Medicare Supplement Insurance

Medigap Plan N: Medicare Supplement Insurance

By Chris Gasparini

Chris Gasparini has been a licensed insurance agent since 2005. He enjoys helping Medicare beneficiaries navigate their options to find the best solution for their unique needs. Chris feels as though ...his work truly helps people. Because he represents multiple insurance companies and plan types, Chris is able to help Medicare beneficiaries find the most cost-effective plan. Every day, he leaves work knowing he did what was right for each and every client he serves.Read more

May 23, 2020

Benefits

Medigap Plans

A B C D F G K L M N
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $6,220 $3,110 N/A N/A

2021 Data – Table Source

What Is Medigap Plan N?

Medigap Plan N is similar to Plan D, with differences in how it covers Part B expenses. Specifically, Plan N pays 100 percent of your Part B co-insurance, but you have a $20 co-pay for some office visits. In addition, you have a co-pay of up to $50 for emergency room visits that do not result in an inpatient admission.

Medicare supplement Plan N has 100 percent coverage for the Medicare Part A deductible but no coverage for the Medicare Part B deductible. Medicare supplement Plan N does cover the basic core benefits, which include complete coverage for Part A inpatient hospital coinsurance, the total expense for inpatient hospital care for 365 days after Medicare benefits run out, blood services (initial three pints), coinsurance expenses for Medicare Part B, Part A hospice coinsurance, and the emergency benefits for travelling abroad, up to 80 percent. All of the Medicare supplement Plans include some level of hospice care.

Plan N may be a good option if your goal is lowering out-of-pocket responsibilities. Not all insurance carriers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is the right fit for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that best fits your needs.

Related Articles

Originally posted on Dec 08, 2020 06:12:21

Find a Plan Today!

Call a licensed sales agent

1-800-637-7602

TTY User 711

Mon-Fri 8:00a - 8:00p

The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.

MULTIPLAN_GHHJTCFENV2_2021_A

Last Updated 01/13/2021