Illinois Medicare Supplement Plan N Benefits

September 7, 2011 Category: Medicare

With all the different health care plans offered through Medicare or Medicare Supplement insurance, it can get overwhelming. There are plans for this and plans for that-who can keep track? In order to more fully understand your specific health care coverage, sometimes it’s helpful to isolate one particular plan instead of trying to read through everything. The benefits of Medicare Supplement Insurance Plan N in Illinois are described below. Hopefully, learning a little about the specific benefits covered under this plan will make your health care coverage a little less confusing and a little more meaningful. 

What is Medicare Supplement Insurance? 

Before explaining particular benefits, let’s understand what Medicare Supplement Insurance is. Basically, it is private health insurance that helps you pay for Medicare related expenses such as copayments or coinsurance. Often referred to as “Medigap Insurance”, Medicare Supplement Insurance is different from Medicare Advantage because with a Medigap plan, you still remain in Original Medicare. 

All Medicare Supplement Insurance policies are standardized using the letters A through N. Luckily for the consumer, regardless of provider, all Medigap policies must contain the same coverage. Therefore, it is critical to compare reputation, reliability and cost as deciding factors when choosing a provider. Consider Blue Cross Blue Shield of Illinois for trustworthy, reliable coverage that you can depend on. 

Medicare Supplement Plan N Benefits

Medicare Supplement Insurance Plan N includes a whole host of benefits including, but not limited to coverage already contained in Medicare Parts A and B. 

Medicare Select as an Option

Plan N provides the option of securing a reduced premium through Medicare Select. Eligibility is based on zip code and there are over 40 cities listed in Illinois with at least one participating hospital. 

Basic Benefits

Medicare Supplement plan N coverage includes an impressive list of basic benefits after a small $20 copay for office visits and a $5o copay for emergency room visits. Plan N details include hospitalization benefits equal to part A coinsurance plus an additional 365 days after Medicare benefits expire. As for medical expenses, plan N includes part B coinsurance. In addition, the first three pints of blood each year are covered as well as hospice care

 Foreign Travel Emergency

Medigap Plan N also includes medical necessary emergency care in a foreign country. You are required to pay a deductible as well as a small portion of costs after the deductible is met, but you are covered. 

Skilled Nursing Coinsurance

While Medicare pays the first 20 days of treatment in a skilled nursing facility, Medicare Supplemental Insurance plan N coverage continues with an annually adjusted per diem for the 21^st day through the 100^th day. 

Medicare Supplemental Insurance Plan N offers guaranteed acceptance with no questions asked. Under the plan, you have the freedom to choose any doctor or specialist and there is guaranteed renewability regardless of changes in health. Plan Nis unique in that it  includes some cost sharing features that allow you to save on premiums while still receiving dependable coverage.