A Quick View of Medicare Supplemental Plan N

Medicare Supplement Plan N is nearly identical to Plan G, which pays virtually all your medical costs after the Part B deductible ($198 in 2020).

Plan N has several differences that make the premium a little lower than Plan G.

  • You pay: up to $20 per office visit copay
  • You pay: up to $50 per emergency room visit copay (waived if admitted to hospital)
  • Medicare providers can charge up to 15% more than what Medicare allows. This is called an excess charge. While Plan G covers this potential extra charge, with plan N you are responsible for this extra cost.
Part A is extremely important. It is possible to have a $500,000+ hospital bill. In contrast, a surgery may only cost $5,000. The hospital bill is often the most expensive part of the total medical bill. Medicare Part A covers the costs for facility stays such as at a hospital or s