Medigap Plan N | Medicare Supplement Plan N

Medigap Plan N: What Does It Cover?

• First of all, it is standardized like other plans. That is, one company's Plan N is the exact same as another company's Plan N.
• Second of all and most importantly, it covers the main thing that you want a Medigap plan to cover - the 20% not covered by Medicare at the doctor and hospital. This 20% is unlimited and can be an astronomical amount in the case of a major illness or surgery.
• Additionally, Plan N also covers the Part A (hospital) deductible, which is $1100/year for 2010.

• Plan N does NOT cover the Medicare Part B deductible (which is $155/year for 2010) - Plans G and D do not cover this deductible either.
• Also, Plan N uses cost-sharing for doctor's office visits. You pay up a $20 co-pay for doctor visits (or 20% of the visit, whichever is less).
• You also pay up to a $50 co-pay for emergency room visits

Who Does It Work for?

• People on Medicare that have been declined when applying for other plans. With some of the companies and in most states, this plan is "Guaranteed Issue", which means that you can not be declined coverage.
• People on Medicare who are in good health but want to have a Medigap plan to provide protection from the rising costs of healthcare.
• People on Medicare Advantage plans, who wish to get out of those types of plans but want to keep costs as low as possible.
• People on Medicare who have a Medigap plan that is very expensive. Regardless of health status, these individuals can replace that plan with a less expensive but still comprehensive Plan N.

When Does It Start?

Why Should You Consider It?