Medigap Monday: Medicare Supplement Plan N, How it Really Works

Medicare Supplement Plan N is also called Medigap Plan N. Medicare Supplement Plan N is a great option for people that want the benefits of having a Medicare Supplement Plan, however want to keep a lower monthly premium.

Since the Medicare Supplement Plan N has a lower premium than the Plan F and G, it does cover less. There are only 4 out of pocket costs that the Plan N requires you to pay compared to the Plan F or Plan G.

  1. The Part B Deductible (The deductible for 2019 is $185.00)
  2. Up to a $20.00 primary/specialist copay. You will not be billed this at the time of service but sent a bill in the mail
  3. $50.00 ER copay. If you are admitted to the hospital, that $50.00 fee will be waived. Again, if you do have to pay this, you will not pay it at the time of service. You will receive a bill in the mail from the hospital.
  4. Part B Excess charges and this is when the doctors are allowed to charge and additional 15% over and above what Medicare has approved. (NOTE: Part B Excess charges are not allowed in Pennsylvania, Ohio, Connecticut, Massachusetts, Minnesota, New York, Rhode Island and Vermont.

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: