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Medigap Plan N
Medigap Plan N is a great option for Medicare beneficiaries who want good coverage at a low cost. It is a good middle ground between lower and higher coverage options.
Medigap Plan N Coverage
Medigap Plan N’s coverage is identical to Plan D. It includes:
- Part A Coinsurance & Hospital Costs
- Part B Coinsurance or Copayment
- First 3 Pints of Blood for Transfusions
- Part A Hospice Care Coinsurance or Copayment
- Skilled Nursing Care Facility Coinsurance
- Part A Deductible
- 80% of Foreign Travel Emergency Care
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Medigap Plan N Comparison
The difference between this and Plan D lies in the Medicare Part B coinsurance costs. 100% of the Part B coinsurance costs are covered under Plan N, except you may have to pay a $20 copayment for office visits and up to $50 for emergency room visits.
These are completely covered under Medigap Plan D. If you visit doctors and hospitals on an as-needed, varied basis, Plan N may be a lower cost option to Plan D. If you feel you will require more frequent doctor and hospital visits, Plan D may be your best option.
If you want your Medicare Part B deductible covered as well as the coverage already offered by Plan N, you may choose to opt for Plan C over N. If you prefer your Medicare Part B excess charges to be covered, you may opt for Plan G. However, if you want all things covered in one plan, Plan F may be your best option.
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