Medicare Supplement Plan N
Medicare Supplement Plan N has been popular since it was first introduced in 2010. Also called Medigap Plan N, this option was created for consumers who like the idea of paying a lower premium in exchange for taking on a small annual deductible and some copays.
All Medicare supplement Plan N policies are the same, no matter which insurance company you choose. You can find Plan N available in many states from various well-know insurance companies.
In 2015, AHIP reported that Plan N enrollment grew by 33% between 2013 – 2014.
(You will find that sometimes people refer to Plan N as Part N, but the proper term is Plan N. Medicare itself has Parts, but when you are referring to supplemental insurance, use the word Plans.)
| Medicare Part A coinsurance and coverage for hospital benefits | $20 copay for office visits; $50 copay for ER |
|---|---|
| Medicare Part B coinsurance or copayment | ✔ |
| Blood (first three pints) | ✔ |
| Hospice Care coinsurance or copayment | ✔ |
| Skilled Nursing Facility Care coinsurance | ✔ |
| Medicare Part A deductible | ✔ |
| Medicare Part B deductible | ❌ |
| Medicare Part B excess charges | ❌ |
| Foreign Travel Emergency (up to plan limits) | ✔ |
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