Medigap Plans
Benefits | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
Part A hospital coinsurance | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
365 hospital reserve days | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Part B coinsurance/copay | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
Blood benefit (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
Hospice coinsurance/copay | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
Skilled nursing facility coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
Part A deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
Part B deductible | No | No | Yes | No | Yes | No | No | No | No | No |
Part B excess charge | No | No | No | No | Yes | Yes | No | No | No | No |
Foreign travel benefit | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
Out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | N/A | $6,940 | $3,470 | N/A | N/A |
2023 Data – Table Source
What is Medigap Plan N?
Medigap Plan N is similar to Plan D, with differences in how it covers Part B expenses. Specifically, Plan N pays 100% of your Part B coinsurance, but you have a $20 copay for some office visits. In addition, you have a co-pay of up to $50 for emergency room visits that do not result in an inpatient admission.
Medicare supplement Plan N has 100% coverage for the Medicare Part A deductible but no coverage for the Medicare Part B deductible. Plan N does cover the basic core benefits, which include complete coverage for Part A inpatient hospital coinsurance, the total expense for inpatient hospital care for 365 days after Medicare benefits run out, blood services (initial three pints), coinsurance expenses for Medicare Part B, Part A hospice coinsurance, and the emergency benefits for travelling abroad, up to 80%. All of the Medicare supplement plans include some level of hospice care.
Plan N may be a good option if your goal is lowering out-of-pocket responsibilities. Not all insurance carriers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is the right fit for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that best fits your needs. Or, do a bit of research on your own with our Find a Plan tool. Just enter your zip code to start comparing Medigap plans in your area.
