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What is Medicare Supplement Plan N?
Medigap Plan N covers 100% of the Medicare Part B coinsurance costs, with the only exception being that it requires a $20 co-payment for office visits and up to $50 for emergency room visits.
Benefits of Medigap Plan N
Medigap Plan N provides the following benefits:
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Part A Hospital Coinsurance and Hospital Costs up to 365 days after Original Medicare benefits run out
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Part A hospice care coinsurance or copayment
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Part A deductible
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Part B Coinsurance Costs (Except for office visits and emergency room visits)
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Part B preventive care coinsurance Up to plan limits
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First three pints of blood for a medical procedure
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Skilled nursing facility (SNF) care coinsurance
Medigap Plan N does not cover the Medicare Part B deductible or Part B excess charges and thus, the beneficiary is responsible for paying these costs out-of-pocket.
Enrollment
The best time for beneficiaries to enroll in Medicare Supplement Plan is during their Medicare Supplement Open Enrollment Period, which is not the same for everyone.
This period begins on the first day of the first month that you are both age 65 or older and enrolled in Medicare Part B, and lasts for six months. During this time, private insurance carriers may not use medical underwriting to assess a beneficiary’s health condition.
Medigap Plans
This means that if you’re enrolled in Medicare Part A and Part B and live within a Medigap plan’s service area, you can enroll in that Medigap plan without fear of being denied coverage or charged higher premiums based on a pre-existing health condition (although waiting periods may apply).
Medigap plans do not include prescription drug benefits; if you’re enrolled in Original Medicare and want coverage for your medications, you should enroll in a stand-alone Medicare Prescription Drug Plan.
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