Medigap Plan N
Medigap Plan N is almost identical to Plan D, except for certain exceptions in reimbursement.
What is covered?
Medigap Plan N covers:
- 100% of Medicare Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used
- 100% of Medicare Part B coinsurance or copayment
- 100% of first 3 pints of blood
- 100% Part A Hospice coinsurance or copayment
- 100% Skilled Nursing Facility coinsurance
- Covers 100% of Part A deductible
Additionally, Plan N covers 80% of foreign travel emergency medical care up to the plan limits. It does not cover the Part B deductible, Part B excess charges, and does not limit yearly out-of-pocket expenses.
Limitations
While Plan N may seem identical to Plan D, its copayment structure is slightly different. Plan N pays 100% of the Part B coinsurance but does require two copayments. These copayments are up to $20 for some office visits and up to $50 copayment for emergency room visits that do not result in an inpatient admission.
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