Medigap Plan N Overview
Medigap Plan N is a Medicare Supplement plan that fills in some of the gaps in Original Medicare. While Medigap Plan N covers many of the offered benefits of Medicare Supplement plans, it can offer a lower monthly premium than some other plans because some copays, Part B Deductible and Excess Charges are not covered.
Remember Medigap plans are designed to complement Original Medicare Part A and Part B. Below is a list of what you would pay under Original Medicare alone, and then what you would pay if you enroll in Medigap Plan N.
Medigap Plan N Benefit Details
| Benefits | Original Medicare Alone | Original Medicare With Medigap Plan N |
|---|---|---|
| Doctor Network | All Doctors that accept Medicare | All Doctors that accept Medicare |
| Part A Hospital Benefit Period Deductible | You pay $1,632* | You pay $0 |
| Hospital days 61-90 | You pay $408 per day | You pay $0 |
| Hospital Days 91-150 | You pay $816 per day (lifetime reserve days) | You pay $0 |
| Beyond Lifetime Reserve Days | You pay 100% | 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 |
| Skilled Nursing Facility Care Days 21-100 | You pay $204 per day | You pay $0 |
| Hospice Respite Care | You pay 5% | You pay $0 |
| First 3 Pints of Blood | You pay 100% | You pay $0 |
| Additional Blood | You pay $0 | You pay $0 |
| Part B Annual Deductible | You pay $240 | You pay $240 |
| Ambulance | You pay 20% (Part B deductible applies) | You pay $0 after Part B deductible |
| 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) |
| Durable Medical Equipment | You pay 20% (Part B deductible applies) | You pay $0 after deductible |
| Part B Excess Charges* | You pay 100% (Part B deductible applies) | You pay 100% (Part B deductible applies) |
| Foreign Travel Emergency | You pay 100% | You pay 20%*** |
| Out-Patient Surgery | You pay 20% (Part B deductible applies) | You pay $0 after Part B deductible |
| Emergency Room | You pay 20% (Part B deductible applies) | You pay $50 (Part B deductible applies) |
*Some states do not allow excess charges: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont
Next Steps for Medigap Plan N
Get quote: Click here to see prices for Plan N
Learn more about Medigap Plan N
Check out Medigap Plan Detail Overview where you can find every Medigap plan available.
The fine print of the Medigap Plan N Chart Above
*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 ($1,632).
***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.