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Medicare Supplement (Medigap) Plan N is a standardized Medicare Supplement insurance plan, meaning it has the same benefits across all carriers. Medigap Plan N covers 100% of the Medicare Part B coinsurance costs, with the only exception being that it requires a $20 co-payment for office visits and up to $50 for emergency room visits.
Medigap Plan N includes the following benefits:
Medigap Plan N does not cover the Medicare Part B deductible or Part B excess charges and thus, the beneficiary is responsible for paying these costs out-of-pocket.
The benefits of Medigap Plan N are similar to Plan D’s policy, the sole exception being how it covers Medicare Part B coinsurance costs. Under Medigap Plan N, 100% of the Part B coinsurance costs are covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. These are completely covered under Medigap Plan D, making this policy of interest to those comfortable with frequent co-payments for doctor or emergency room visits.
Like all Medigap plans, the costs associated with Medigap Plan N may vary by carrier. How a certain insurance carrier “rates” the Medigap Plan N premiums determines how much an individual will pay to obtain a policy. Medigap Plan N may be an attractive option for those seeking broad coverage. It is not the most comprehensive Medicare Supplement insurance plan, so it is recommended that you review the details of all ten Medigap plans in order to find a Medigap policy that works best with your needs.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.