Medigap Enrollment 2012: What is Plan N?

Medigap Plan N, like its predecessor Plan M, are the only options for Medigap plans that do not offer assistance with the first three pints of blood. However, unlike Plan M, Plan N does offer full assistance with the Medicare Part A Deductible, which is good news if you plan to use Part A regularly. Still no coverage is available for the Medicare Part B Deductible or Excess Charges, which is similar to Plan M.

One difference comes in when considering the Medicare Part B Coinsurance or Copayment. There are some stipulations with this option that are not there with the other plans. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

Other than these changes all other options for Medigap Plans are available with Medigap Plan N. If this plan appeals to you and your needs it is a good idea to enroll as soon as possible so you start to get help with your Medicare-covered charges.