Medicare Supplement Plan N: What Does It Cover & Benefits

Medicare provides essential healthcare coverage , but it doesn't cover everything . Many beneficiaries face unexpected out-of-pocket costs , and that's where Medigap plans , like Medicare Supplement Plan N , help.

With over 14 million Americans enrolled in Medigap plans , Plan N is a popular choice for its balance of affordability and coverage .

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Understanding Medicare Supplement Plan N Medicare Supplement Plan N is a Medigap policy that helps cover out-of-pocket costs that Original Medicare doesn’t pay.

It offers more coverage while keeping premiums lower , but it requires small copays for some services.

Key Features of Plan N: Medicare Part A coinsurance and hospital costs: 100% coverage after Original Medicare benefits are exhausted. Part A hospice care: Covers coinsurance or copayments . Part B coinsurance: Covers costs except for a small copay (up to $20) for some doctor visits . Emergency room visits: Covered with up to a $50 copay , waived if admitted. Not covered: Medicare Part B deductible and excess charges (when providers charge more than Medicare-approved rates). 💡 Tip: If your doctors charge more than Medicare allows , consider a plan that covers excess charges , as Plan N does not .

Who Is Eligible for Medigap Plan N? To enroll in Medigap Plan N , you must be eligible for Medicare and enrolled in Medicare Parts A and B .

Best Time to Enroll: Medigap Open Enrollment Period (OEP): Starts when you turn 65 and are enrolled in Medicare Part B . During OEP: No medical underwriting , meaning pre-existing conditions won’t raise premiums or cause denial of coverage . 💡 Tip: Outside of OEP , insurers may review your health , potentially increasing costs or denying coverage.

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What Does Medicare Supplement Plan N Cover? Medicare Supplement Plan N helps reduce out-of-pocket expenses under Original Medicare , offering more coverage for hospital stays , doctor visits , and skilled nursing care .

Core Benefits Included in Plan N: Medicare Part A coinsurance and hospital costs : Covers all Medicare-approved expenses during hospital stays, plus an additional 365 days of coverage after Original Medicare benefits are exhausted. Part A hospice care coinsurance/copayments: Part B coinsurance: Covered except for small copays . First three pints of blood: Covered for medical procedures . Medicare Part A deductible: Helps cover hospital stays . 💡 Tip: Plan N does not cover Medicare Part B excess charges , so always check if your provider accepts Medicare-approved rates .

Comparing Medigap Plan N to Other Supplement Plans When choosing a Medicare Supplement plan , compare Plan N with Plan G and Plan F to find the right fit .

Medigap Plan N vs. Plan G: Key Differences Coverage similarities: Both cover Medicare Part A hospital costs , skilled nursing care , and hospice care . Key difference: Plan N may require copays ( up to $20 for doctor visits , $50 for ER visits ), while Plan G covers these fully. Excess charges: Plan G covers them , but Plan N does not . 💡 Tip: If you prefer lower monthly premiums and don’t mind small copays , Plan N may be a better choice.

Medigap Plan N vs. Plan F: Which Offers More Coverage? Plan F was the most comprehensive Medigap plan before 2020 but is no longer available to new enrollees. Coverage differences: Plan F covers everything Plan N does , plus the Medicare Part B deductible and excess charges . Cost considerations: Plan F has higher premiums than Plan N . 💡 Tip: Only those eligible for Medicare before 2020 can enroll in Plan F .

Out-of-Pocket Costs with Medigap Plan N While Plan N offers more coverage , you should expect some out-of-pocket costs , including:

Doctor visit copays: Up to $20 per visit . Emergency room visit copays: Up to $50 , unless admitted. Medicare Part B deductible: Not covered. Excess charges: Not covered, meaning you may pay more if your provider charges above Medicare-approved rates . 💡 Tip: If you see providers who don’t accept Medicare assignment , Plan N may not be the best option .

How Much Does Medigap Plan N Cost? The monthly premium for Medigap Plan N depends on age , location , and insurer .

Typical Costs: Doctor visit copays: Up to $20 per visit . Emergency room copays: Up to $50 , waived if admitted. Part B deductible: $257 per year is not covered. Part B excess charges: Not covered when providers charge more than Medicare-approved rates (up to 15%). 💡 Tip: Compare multiple insurers as premiums vary for the same coverage .

When and How to Enroll in Medigap Plan N The best time to enroll is during your Medigap Open Enrollment Period (OEP) .

Why Enroll During OEP? Guaranteed issue rights: No medical underwriting , meaning no denial or higher premiums for pre-existing conditions . More plan options: Avoid health screenings and higher costs outside of OEP .

Find the Right Medigap Plan for you with Healthpilot Healthpilot makes it easy to find the right Medigap plan for your healthcare needs and budget .

Healthpilot Helps You: ✅ Compare plans side by side: See how Plan N compares to Plans G and F .

✅ Check provider networks: Avoid unexpected costs by ensuring your doctors accept Medicare-approved rates .

✅ Understand costs and coverage: Know what you’ll pay before enrolling.

✅ Get personalized recommendations: Tailored suggestions based on your healthcare needs .

📢 Choosing a Medigap plan doesn’t have to be complicated — let Healthpilot guide you toward the best option.

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Final Tips: Review your budget: Make sure Plan N aligns with your financial situation . Evaluate healthcare needs: If you see doctors who charge excess fees , consider a plan that covers these charges . Apply during OEP: Avoid medical underwriting and potentially higher costs .

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