Medicare Plan N Explained
Medicare Supplement Plan N offers great value. Generally speaking when people are shopping for Supplemental coverage they typically are looking at a Plan F.
Plan F is the “Cadillac” of Medicare supplements. You will never have a co-pay or coinsurance. All you will have to pay is your premium. You can never go wrong with Plan F.
Plan N offers you the same access as Plan F. But it can save you approximately $50 to $100 per month in premium. This based on your age. The older you are, the greater the savings. (double this savings if you are married)
Plan N differs from Plan F in these ways:
Has a Part B deductible of $147 per year.
After you reach your deductible you will have up to a $20 co pay for doctor visits (Primary Care or Specialist).
$50 co pay for emergency room visit. This is waived if your admitted.
No coverage for Part B excess charges (This happens less than 1% of the time.)
Call me and we can see if Plan N is a better fit than Plan F.