Medicare Supplement Plan N
Medicare Supplement Plan N is very similar to Supplement Plan D and features a co-payment of $20 for visits the doctor and a co-payment of $50 for any emergency room visits. Once the annual deductible is met, these co-pays are applied. Generally, Medigap Plan N premiums are about 70% of Supplement Plan F and 77% of Supplement Plan D premiums.
This is exactly what you need to know:
Days 1-60 – $1,288 Part A Deductible. (Plan N Pays)
Days 61-90 – $322 per day co-payment. (Plan N Pays)
Days 91-150 – $644 per day Lifetime Reserve Days co-payment. When your hospital stay exceeds 90 days during a benefit period, a feature referred to as “Lifetime Reserve Days” takes effect. Lifetime Reserve Days are 60 extra days of Medicare-paid care, subject to the $644 per day co-payment. When you use a reserve day, Medicare permanently subtracts it from your 60-day lifetime limit. (Plan N Pays)
Beyond the additional 365 days. (YOU PAY)
FOR SKILLED NURSING CARE
Days 1-20 – (Medicare Pays)
Days 21-100 – (Plan N Pays)
Days 101 and after – (YOU PAY)
Part B Monthly premium of $121.80. (YOU PAY)
Part B $166 deductible. (YOU PAY)
20% of all Medicare approved expenses after the deductible. (After Part B deductible is met you YOU MAY PAY up to a $20 copay for doctor or specialist visit and up to $50 copay for ER visit)
All costs for items not covered by Medicare. (YOU PAY)
Part B Excess Charges. (YOU PAY)
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Plan explanation provided by BGA Insurance Group – http://www.bgainsurance.net/medicare-supplement-plan-n-pennsylvania/