Open Enrollment Ends in:



Medicare Supplement Plan N Vs. F

Learn if Medigap Plan N or F is right for you

by Senior 65+ on Dec 18, 2015 | 7 Comments

Medicare Supplement plans N and F are compared by consumers frequently. While Plan N usually has a significantly lower monthly premium, it does leave gaps in coverage, as well as, you may have to pay a copay for doctor’s office visits and emergency room visits.

Medigap Plan N Vs F Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan N Original Medicare With Medigap Plan F
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,364* You pay $0 You pay $0
Hospital days 61-90 You pay $335 per day per day You pay $0 You pay $0
Hospital Days 91-150 You pay $670 per day per day (lifetime reserve days) You pay $0 You pay $0
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days. You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0 You pay $0
Skilled Nursing Facility Care Days 21-100 You pay $170.50 per day You pay $0 You pay $0
Hospice Respite Care You pay 5% You pay $0 You pay $0
First 3 Pints of Blood You pay 100% You pay $0 You pay $0
Additional Blood You pay $0 You pay $0 You pay $0
Part B Annual Deductible You pay $185 You pay $185 You pay $0
Ambulance You pay 20% (Part B deductible applies) You pay $0 after Part B deductible You pay $0
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You can pay up to $20 for some office visits (Part B deductible applies) You pay $0
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay $0 after deductible You pay $0
Part B Excess Charges You pay 100% (Part B deductible applies) You pay 100% (Part B deductible applies) You pay $0
Foreign Travel Emergency You pay 100% You pay 20%*** You pay 20%***
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay $0 after Part B deductible You pay $0
Urgent Care You pay 20% (Part B deductible applies) You pay $0 after Part B deductible You pay $0


Which Medigap Plan to Choose: N or F?

As you can see, Medigap F covers all the benefits available through Medigap plans. Since Plan F covers the most benefits, why would you want another plan, and specifically Plan N? The reason is Plan N’s premium is usually quite a bit less. Seems tempting, right? Well, there are some things to think about. With Plan N you still have to pay the Part B deductible, and copays for doctor’s office visits and emergency rooms. If you’re a person who has frequent doctor’s office visits, or if you don’t now have frequent office visits, but if you are on a budget and if you had a serious illness or injury would frequent office visits be prohibitive? If the answer is yes to either of these, Plan N is probably not for you.

You must also remember, that Plan F covers excess charges (amount charged to you if you see a doctor that does not accept Medicare assignment), and Plan N does not. Most of the time this last thing will not be an issue, because most doctors and hospitals accept assignment. But if you do, these costs can be expensive over time.

*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,364).
***Foreign Travel Emergency requires a deductible of $250. You will have to have your emergency within the first 60 days of travel, and the plan has a lifetime coverage amount of $50,000.

Next Steps for Medigap Plan N and F

Get quote: Click here to see prices for Plan N and F. For any questions, call one of our licensed independent insurance agents at 800-930-7956.

Print Friendly Version

Reader Comments and Questions

Click Here if you have a question

By Terry on November 08, 2017

Ok, what would be a better choice, Plan N or High Deductible Plan F? The choices are over welming. Either way does Medicare pay there 80% first. Want the best choice.

Terry
The best plan for you depends on a few factors not the least is price. Plan N in some areas is very affordable while in other areas the monthly premium is significantly more expensive than Plan F high deductible.

Plan F high deductible covers excess charges (after you hit the deductible) whereas N does not. Excess charges can add up if you see a doctor that charges more than the Medicare assignment.

Next Steps: Give a call and we can review prices in your area as well as discuss more in detail about N v.s. High deductible F.
-Michelle from Senior65.com P.S. With plan N you must satisfy your part B deductible before Medicare will pay 80%. With high F the same is true but you also must cover the part A deductible before Medicare would kick in.


By Russ S on January 14, 2017

I'm considering Plan N over Plan F but am worried about excess charges. Could you give me an example of these excess charges?

Russ,
We know this can be confusing, so here's an article that explains how Part B excess charges can add up. If you need more help choosing a plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Linda Donahue on October 26, 2016

I will be enrolled in Medicare Part B starting in December, 2016. While I still haven't selected a supplement plan, I'm wondering how many times per year you may visit a chiropractor under Medicare. I'm not sure if there is a limit on the number of visits per year. Thanks, Linda

Linda,
Medicare does not have a limit on the amount of chiropractic visits you may receive, however, you can only have a manipulation of the spine for a subluxation. In that way, it's limited coverage.
-Chris from https://www.senior65.com/


By Elaine Rice on September 22, 2016

For outpatient physical therapy charges is there a $20 copay for the evaluation and a $20 copay each treatment visit? Or does this just apply to doctor visits? What is the patient's financial responsibility for physical therapy charges?

Elaine,
With Original Medicare, you owe 20% coinsurance, possibly a copay, and the Part B deductible applies, when you receive physical therapy. If you want to lower these costs, you may want to consider a Medicare Supplement policy (Medigap), like the two in the above article. If you have any questions or are ready to enroll in a Medigap plan, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/


By Steve B on June 14, 2016

In Wisconsin insurance companies are required to add a Part B excess rider to Medigap plans. Therefore Plan N(although not designated with a letter in Wis.) is equal to a Plan G with the ONLY exception of the $20 and $50 co-pays so it is a real deal over a Plan F. It seems so many web sites don't stress this enough for Wisconsin residents.


By John Rauschkolb II on May 25, 2016

Both columns are labeled Original Medicare With Medigap Plan N so which is in error?

John,
Good catch! So sorry for the confusion. After looking at the revised chart, let one of our Senior65 licensed independent insurance agents know if you need more help deciding between Medigap F and N, by calling 800-930-7956.
-Chris from https://www.senior65.com/


By Heather B. on March 25, 2016

I still don't know which plan I should choose: F, G, or N. N is sooooo much less expensive than the others, so it seems like the best deal. I don't go to the doctor very often, maybe twice a year, a chiropractor once a month (I qualify for Medicare coverage), and physical therapy twice a month. So, it seems that N is the way to go, but is it? .

Heather,
Plan N usually will have a significantly lower premium, but you will have to pay your Part B deductible, coinsurance, excess charges, and copays ($20 per doctor visit (chiropractor, physical therapy, and any other type of doctor visit), as well as, $50 for ER visits). So, it seems, with your three regular monthly visits, at an additional $60 a month, Plan G or F is probably the right choice for you. Check out Medicare costs at glance to see potential out of pocket costs, and call one of our licensed independent insurance agents at 800-930-7956 to learn more about plans in your area.
-Amy from https://www.senior65.com/



Have a question not answered above??? Click here

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.


-->


It's 100% FREE to work with Senior65

Call our licensed agent today at 800-930-7956. Click here to learn 5 great reasons to work with Senior65.com

Open Enrollment Ends in:


Learn More about Open Enrollment