![]() Let’s say, for example, that a Plan N costs $150 in monthly premiums while a Plan G costs $200 a month, resulting in $50 per month in savings for Plan N. However, policies sold by insurance companies are standardized across the country, meaning a Plan N policy sold by Aetna covers the same core benefits as a Plan N policy sold by Cigna or a different carrier. Most Medigap Plan N policies do not charge for visits to urgent care centers, though.īeneficiaries buy supplemental Medigap plans through private insurance companies such as Aetna, Cigna and UnitedHealthcare, among others. Even though the supplemental plan pays the coinsurance charged by Original Medicare, the supplemental policy has its own copayments for these services. One of the most important features of Medigap Plan N is its copays - you pay a $20 copay for each physician visit and a $50 copay for each emergency room (ER) visit that does not result in hospitalization. This means that instead of an enrollee being charged 20% of the bill, as would happen with Original Medicare, the supplemental plan would pay that 20% of the bill. ![]() ![]() Like other supplemental policies, Plan N fills coverage gaps in traditional Medicare, thus making it easier for beneficiaries to meet their overall health care expenses.īecause only about 80% of medical costs are covered by Medicare Part A (hospitalization and inpatient care) and Medicare Part B (outpatient services), supplemental plans can help eliminate the cost by paying for the remaining 20% of costs.Īmong other benefits, Plan N covers the coinsurance costs for Medicare Part A, Medicare Part B, hospice care and skilled nursing facilities. What does Medicare Supplement Plan N cover?.
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