Medicare Plan N - Medigap Plan N

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	Go to any provider who accepts Medicare
	Pay no excess charges over approved costs
	No Referral Needed
	Seamless, Zero to minimal Paperwork
	No Outstanding Bills to pay

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Medicare Plan N

Medicare Plan N is one of the additional plans introduced under the Medicare Improvements for Patients and Providers Act (MIPPA). The other Plan introduced was Plan M.

Medicare Modernization Plan N covers all the plan basic services found in Plan A. In addition to the basic services the Plan N pays 100% of the Hospital deductible of Medicare Part A. Plan N also picks up the Co-Insurance for Medicare Skilled Nursing as well as includes the Foreign Travel Emergency Benefit. In addition the plan picks up all of Basic Benefit of Part B coinsurance except $20 Dr visit and $50 ER visit.

This plan is attractive for those who are comfortable paying a small Doctor co-payment and or occasional Emergency Room co-payment visit. Plan N’s cost sharing for each doctor visit is $20.00 and $50 for Emergency Room. This is a great plan for Medicare Advantage beneficiaries who are use to paying a co pays and coinsurance while participating in their HMO or PPO health care program. Overall this plan can have less out of pocket expenses than many Medicare Advantage plans, saving and reducing your overall cost to your health care.

After Part B Deductible is satisfied ($155) with Plan N; all other approved services are paid for under plan as policy outlines. Labs, diagnostics procedures, MRI’s Cat Scans, Pet Scans, Occupational, Speech and Language Therapy as well as other approved services. You will have no additional cost or co-insurance payment up to 100% of the approved Medicare cost of service.

A major deciding factor that Medicare beneficiaries express when choosing Plan N over a Medicare Advantage plan is there are no networks that can limit your doctors’ choice. As long as the doctors accepts and are approved Medicare providers you should find no push back to the acceptance of this plan. Freedom and flexibility along with no network referrals spells a big winner for this plan.

Premiums are usually 20-30% less per month than the most comprehensive coverage found in Plan F by individual carriers.

See plan details in your approved 2010 Guide to Choosing a Medigap Policy.

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