Medicare Supplement Plan N

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.

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