Medicare Supplement

Medigap Plan N

Medigap Plan N is a popular, cost-effective Medicare Supplement option that helps cover many gaps in Original Medicare Parts A and B, including Part A coinsurance and deductibles.

In exchange for typically lower monthly premiums, beneficiaries may pay small copayments, up to $20 for certain office visits and up to $50 for emergency room visits, and the plan does not cover the Part B deductible or Part B excess charges.

Medigap Benefit

Plan N

Part A - Coinsurance and Hospital Costs

Up to an additional 365 days after Medicare benefits are used

100%

Part B coinsurance or copayment

100%*

Blood benefit (first 3 pints)

100%

Part A Hospice Care Coinsurance or Copayment

100%

Skilled Nursing Facility Care Coinsurance

100%

Part A Deductible

100%

Part B Deductible

Part B Excess Charge

Foreign travel emergency

Up to plan limits

80%

Out-of-pocket limit**

N/A

Note: Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.

The chart above shows basic information about the different benefits Medigap policies cover

100% = the plan covers 100% of this benefit
X = the plan doesn’t cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable

The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).