If you’re looking for lower out-of-pocket costs and a lower monthly payment, Medicare Supplement Plan N (also known as Medigap Plan N) may be a good choice. To help keep your monthly payments lower, the plan uses a cost-sharing structure. Medicare Supplement Plan N covers 100 percent of your Original Medicare Part B coinsurance costs, with two exceptions. You are responsible for paying:

  • $20 office visit copay
  • $50 emergency room copay (unless you are admitted to the hospital)

In addition to covering your Original Medicare Part B coinsurance, Medicare Supplement Plan N covers:

  • Medicare Supplement Plan A benefits
    • Hospitalization copayments and coinsurance
    • 365 additional days of hospitalization after Original Medicare benefits end
    • Care in a hospice facility
    • The first three pints of blood you receive from a blood bank each year
    • Other medical expenses for Medicare-approved services/supplies
  • Skilled nursing facility coverage
  • Emergency medical care benefits while traveling outside the U.S.
  • Coverage for your Original Medicare Part A deductible (your Part B deductible is not covered)

Medicare Supplement Plan N does not cover your Original Part B deductible or Part B excess charges. If you’re looking for a plan that covers these costs, you may want Medicare Supplement Plan F.

Coverage for Skilled Nursing Facility Care

Original Medicare covers skilled nursing facility care if you have been in a hospital for at least three days and enter a Medicare-approved facility within 30 days of your hospital discharge.

Original Medicare and Medicare Supplement Plan N work together to pay for skilled nursing facility care. Here’s an example of how it works:

  • Day 1 through 20 – Original Medicare covers all approved amounts.
  • Day 21 through 100 – Medicare covers your costs except for $185.50 a day. Plan N pays for the $185.50 daily charge.
  • Day 101 and beyond – You have to pay 100 percent of the costs. Original Medicare and Medicare Supplement Plan N do not cover these costs.

Foreign Travel Emergency Medical Care Benefits

Original Medicare does not cover costs for medical treatment outside the United States.

Medicare Supplement Plan N helps pay for medically-necessary emergency care services during the first 60 days of each trip outside the U.S.

Eighty percent of these costs (up to $50,000 during your lifetime) are covered by Plan N after you pay your $250 deductible.


Get a Quote

Have Questions? We Can Help.

Speak with a Medical Mutual licensed insurance agent or call your insurance agent.

Call 1-866-406-8777 (TTY 711 for hearing impaired)

7 days a week, 8 a.m. to 8 p.m.

You can talk to a Medical Mutual licensed insurance agent who can answer your questions by calling (866) 406-8777 (hearing impaired TTY/TDD: 711) or call your insurance agent. You can also visit Medicare.gov for more information.

This site contains a summary of benefits only describing our policies’ most important features. It is not an insurance policy or contract.  The Medical Mutual Medicare Supplement Insurance policy is the insurance contract. If there is any different between this site and the policy, the provisions of the policy will control.

Neither Medical Mutual nor any of its agents or Medicare Supplement insurance plans are connected with or endorsed by the U.S. or state government, Social Security or federal Medicare program. Individuals who call the phone number listed will speak with a licensed insurance agent.

The policy has exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or Medical Mutual.

Medicare Supplement products marketed by Medical Mutual may be underwritten by Medical Mutual of Ohio and/or one of its subsidiaries, Medical Health Insuring Corporation of Ohio collectively referred to as Medical Mutual. Contact will be made by a licensed insurance agent or insurer. The amount of benefits provided depends upon the plan selected and the premium will vary with the amount of the benefits selected. Medical Mutual is a registered trademark of Medical Mutual of Ohio.

SilverSneakers® is a registered trademark of Tivity Health, Inc.

Page last updated on 1/15/2021
C4264-MCS R11/20