Plan N offers a good value for those looking for lower monthly premiums and predictable out-of-pocket costs.
Medicare Supplement Plan N is one of ten standardized Medigap plans available in California. Like other Medigap plans, this plan helps with certain costs that Original Medicare doesn’t cover, including cost-sharing expenses you may have for hospital services or doctor visits.
As with most Medigap plans, Plan N’s benefits are standardized. You’ll get the exact same benefits for Plan N, no matter where you live or which company you use.
What Does Plan N Cover?
Medigap only covers Medicare-approved services. Therefore, it won’t cover things like long-term care, vision, dental, hearing aids, eyeglasses, or private-duty nursing.
Medicare supplement Part N covers the following:
- Medicare Part A deductible
- Medicare Part A coinsurance and hospital stays up to 365 days
- Medicare Part B coinsurance for outpatient care and procedures
- Medicare Part B copays at doctors’ offices
- blood transfusion (up to the first 3 pints)
- hospice care and skilled nursing facility coinsurance
- 80 percent of healthcare costs while traveling outside the United States
Medicare supplement Plan N doesn’t cover the deductible for Medicare Part B (just like Plan G). The Part B deductible in 2022 is $233.
Medigap Plan N covers 100 percent of your Part B coinsurance, you’re responsible for doctor’s visit copays up to $20 and emergency room visit copays of $50.
How Much is the Copay for Medicare Plan N?
You pay a small copay of $50 at the ER (waived if admitted) and a maximum copayment of $20 at the doctor’s office. Some folks experience lower copayments at the doctor’s office, the maximum is $20.
How Much Does Plan N Cost in Los Angeles, CA?
The average cost of Plan N in CA is between $90-$170 per month. The rates are determined by zip code and age and the company offering the plan.
There are over 20 different insurance companies offering Plan N in CA, each charging a different price. To shop for the best rate call us at {phone} today!
How To Sign Up For Plan N
An individual can enroll in a Medicare Supplement plan at any time of the year. It is best to enroll during your Medigap Open Enrollment Period when you start Medicare Part B for the first time.
In California, we have the “Birthday Rule” which allows folks to change Medigap insurance companies around their birthday each year without having to answer any health questions.
Why Work With Us?
We are completely independent and work with all the top companies and plans in Los Angeles, CA. We are able to compare all plan options and help you pick the plan that fits your unique needs and preferences.
During our initial consultation, we ask what your preferences are such as doctors, hospitals, budget, etc. These are things that help us determine what specific plan is best for your situation. In addition, we help our clients each year when it comes time to review your plan. We charge nothing for our services, we are compensated directly by the insurance companies and it does not affect the premium you pay.
Call us directly today at (213) 214-2399 for a free consultation or use the online form to get started.