What is Medigap Plan N?
Medicare Supplement Plan N (Medigap Plan N) is a supplemental insurance policy that helps cover most of the costs not covered by Medicare Parts A and B including copayments, coinsurance, and deductibles.
Medicare Plan N has lower premiums, provides basic coverage for most of the gaps in Medicare and is a great way to lower out-of-pocket costs from Medicare.
If you’re considering signing up for Medicare Supplement Plan N, be sure to do your research. There are a lot of different plans available, and each one has its own benefits and drawbacks. You’ll want to find a plan that fits your specific needs and budget.
Need help choosing the Medicare Supplement Plan N policy for you? Give us a call at 866-633-4427 to speak with a licensed insurance agent today.
Watch this short video about Medicare Supplement Plan N
What does Medicare Plan N cover?
2022 Medicare Supplement Plan N benefits include 100% coverage for inpatient hospital stays (including the Medicare Part A deductible). Medical expenses are mostly covered, and Plan N makes it east to budget for. You will be responsible copays for emergency room visits and doctor visits.
There is no network with Medigap Plan N. You can seek services nationwide from any medical facility, doctor or hospital that accepts Medicare. Don’t worry about finding one close to you, there are over 1 million to choose from.
What does Plan N Cover:
- Part A deductible and Part A coinsurance
- Skilled Nursing Care coinsurance
- Hospice Coinsurance
- Medicare Part B coinsurance (durable medical equipment, labs, outpatient services and more)
- Limited foreign travel (emergency)
With a Supplement Plan N, you are required to pay the following:
- $50 copay for emergency room visits (waived if you are admitted)
- Medicare Part B deductible ($233 in 2022)
- Up to a $20 copay for certain office visits
- Part B excess charges (up to 15%, only when applicable)
Excess charges are additional cost to the consumer, above the Medicare approved amount. Medicare allows up to 15%. Remember, these charges only apply to Part B. Part B excess charges are not that common. A recent study showed that less than 5% of all Part B charges include excess charges.
Some states do not allow excess charges. Don’t let excess charges scare you from enrolling in Plan N.
States with no excess charges:
- Rhode Island
- New York
Medicare Supplement Plan N Reviews
Plan N was introduced in 2010, some carriers offered Supplemental Plan N guaranteed to every Medicare beneficiary (no medical underwriting). This caused some problems with premiums early on and therefore Plan N got mixed reviews from agents and consumers (agents were concerned their clients’ premiums would skyrocket).
Since then, much has settled, and now with the MACRA ruling, Plan N has become much more popular amongst Medicare members.
Plan N offers comprehensive coverage, minimal out-of-pocket costs, and lower monthly premiums, in comparison to other Medigap Plans.
2022 Medigap Plan Comparison Chart
2022 Medicare Supplement Plan N Rates
The average cost of Medigap Insurance will be different from carrier to carrier, gender, zip code, age and more.
You can compare Medigap Plan N cost without speaking to an agent, by using our online quote tool.
Or, call 866-MEDIGAP (866-633-4427) and speak with a down-to-earth, licensed agent that will treat you like family.
Our job is to help you with understanding Plan N benefits, Plan N copays and the Medicare Plan N rates in your area. Your agent will compare 2022 Medicare Plan N rates from over 25 top-rated carriers in just a few short minutes, confirm eligibility and help with securing your Plan N enrollment.
Do I qualify for Plan N?
To qualify for Medigap Plan N coverage, you need to be eligible for or already be enrolled in Medicare Part A and Medicare Part B.
The Medigap Open Enrollment Period is the best time to enroll in Medigap Plan N.
When applying during the Medigap Open Enrollment Period, there is no medical underwriting, and your coverage is guaranteed (do NOT confuse this with the Medicare Advantage Open Enrollment Period)
Our team will help determine your Plan N eligibility. Call us today, 866-633-4427 and talk with one of our licensed agents now about qualifying for Supplement Plan N.
AARP Plan N, Humana Supplement Plan N, Aetna Plan N, Mutual of Omaha Medicare Supplement Plan N
Related Articles: 2022 Humana Medicare Plans, Average Cost of Supplemental Insurance Plans, Compare Medigap Plans
Frequently Asked Questions about Medicare Supplement Plan N
What is covered under Plan N?
With Medigap Plan N, your Medicare Part A deductible and coinsurance will be covered. Your Part B coinsurance is also included (such as office visits, durable medical equipment, blood work and more). View the 2022 Medicare Plan N outline of coverage for a full list of covered services.
Does Plan N have a deductible?
Plan N requires you to pay the Medicare Part B deductible ($233 in 2022). There is no other deductible on Plan N.
What is the difference between Plan G and Plan N?
There are a few differences in coverage between Plan G and Plan N. The only out-of-pocket expense with Medigap Plan G is your annual Medicare Part B deductible.
With Plan N, you pay your Part B deductible and other costs, such as: copay for ER ($50), copay for office visits (up to $20) and excess charges (when/if applicable).
What is the difference between Plan N and Plan F?
Can I switch from plan G to Plan N?
Yes, you can switch from Medicare Plan G to Medicare Plan N. You can also change from Plan N to Plan G, if you wanted. In fact, you can change to any Medicare Supplement plan available to you.
Some states have special open enrollment rules that do not require medical underwriting to qualify. Other states do not have special rules and will require you to answer health questions to qualify for the new coverage.
These states include: Maine, Massachusetts, Connecticut, New York, Illinois, Missouri, Minnesota, Idaho, Nevada, California, Oregon and Washington.
Call us today at 866-633-4427 and one of our licensed agents will help determine your eligibility and secure your Medigap enrollment.
Does Medicare Part N cover prescriptions?
No, Medicare Part N does not cover prescriptions. Plan N does not cover dental, vision or hearing either.
To get help with the cost of prescriptions, we recommend that you enroll in a Medicare Part D plan.
We also assist our client with securing coverage for dental, vision, hearing and more!
What are Plan N excess charges?
If a doctor wants to charge above the Medicare approved amount, Medicare allows the doctor to do so, up to 15% (this is referred to as an excess charge).
Medicare Plan N does not cover excess charges, which means you would be responsible for that portion of the bill.
Note: This is not comparable to the 20% coinsurance (that is still covered by the plan). The 15% is above the final, approved amount.
Let’s take a look at an example below:
Doctor bills $1,000 to Medicare
Medicare approves $750
Plan N covers the entire bill (assuming your deductible has been satisfied)
Doctor can still charge 15% on top of the $750 approved, paid amount. Leaving you to pay $112.50.
Note #2: Not all states allow excess charges. Excess charges are not common. Only 5% of all charges billed are excess charges.
How much are the copays for Medicare Supplement Plan N?
Plan N copays are $50 for trips to the emergency room (waived if admitted as inpatient) and up to $20 for physician visits.
Are all the Medicare Supplement Plan N the same?
Yes, every Supplement Plan N offer the same exact coverage from carrier to carrier. Generally, the only difference is the monthly premium.
Fun Fact: The federal government standardized all Medicare Supplement Plans.
Is Plan N Guaranteed issue?
The only time your coverage is guaranteed with Plan N is during your Medigap Open Enrollment Period. If you choose to enroll in Plan N after your Medigap Open Enrollment Period, your coverage is not guaranteed (except in those states mentioned above) and medical underwriting is applicable to qualify for coverage.
Does Medicare Supplement Plan N cover physical therapy?
Physical therapy is covered by Supplement Plan N, so long as your doctor deems it medically necessary.
Remember, Original Medicare will be the primary payor and your Plan N secondary. This means if Medicare approves the services, your Plan N will also pay its portion.
What is the Part B deductible for 2022?
The 2022 Medicare Part B deductible is $233. If you have Medigap Plan N, you are required to pay the Part B deductible.
How can you avoid Part B excess charges?
Most providers accept Medicare assignment. Be sure to ask your provider if they accept Medicare assignment before receiving treatment.
There are some states that do not allow Part B excess charges: Connecticut, Minnesota, Ohio, Pennsylvania, Rhode Island, Vermont, Massachusetts, and New York
Compare Plan N Cost and enroll in Medicare Plan N today!
Our family-friendly licensed agents will compare Plan N rates from over 25 top-rated Medicare carriers in just a few, short minutes.
All Medigap Plans are standardized by the federal government, so, our agents will look for the lowest price and help you secure coverage by enrolling in Plan N through one of our many trusted Medicare carriers.
Our team will act as your liaison with the insurance company you choose from start to finish. We also provide free customer service for life (or as long as you allow us to be your go-to Medicare agency).
Call today, 866-633-4427 and start saving money with Medicare Supplement Plan N!