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 copays, Part B Deductible and Excess Charges are left to deal with.
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 $1,484* | You pay $0 |
Hospital days 61-90 | You pay $371 per day | You pay $0 |
Hospital Days 91-150 | You pay $742 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 $185.5 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 $203 | You pay $203 |
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 |
Urgent Care | You pay 20% (Part B deductible applies) | You pay $0 after Part B deductible |
*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.