Medicare Supplement Plan N
If you agree to share some of the costs of your healthcare, Illinois Medicare Supplement Plan N from Blue Cross Blue Shield is a practical choice. With 100 percent coverage for your Part A deductible, hospitalization coinsurance, foreign travel emergency care, skilled nursing co-payment and more, Medicare Supplement Plan N is a workable solution for adding to your Original Medicare benefits. Here is a more detailed description of the benefits and costs you can expect from Plan N.
Plan N Benefits
As a senior looking for dependable health care at a moderate price, Plan N may be the right choice. Plan N provides full coverage for your Part A deductible ($1,316) and 100 percent of any hospitalization coinsurance after Medicare benefits end.
That means on day 61 when Medicare stops paying, Plan N pays the $329 a day through day 90 and $658 a day with Lifetime Reserve beyond day 91. Plan N also covers 100 percent of all Medicare eligible expenses in the hospital for an extra 365 days after Medicare benefits end. Plus, the first three pints of blood are covered 100 percent as well as foreign travel emergency care.
Your Medicare benefits pay for the first 20 days of skilled nursing care in full. Plan N continues this coverage by paying for the remaining amount ($164.50 a day) for days 21-100. Plan N also pays your full Medicare co-payment/coinsurance for hospice care.
- Part A deductible
- 100 percent of hospitalization coinsurance days 61-91
- Extra 365 days of hospital care after Medicare coverage ends
- 100 percent of the cost of the first three pints of blood
- 100 percent of the skilled nursing facility co-payment days 21-100
- Medicare co-payment/coinsurance for hospice care
- 80 percent of Foreign travel emergency care (after $250 deductible, up to $50,000 lifetime)
What You Can Expect to Pay With Medicare Supplement Plan N
With Medicare Supplement Plan N from Blue Cross Blue Shield, you will be required to pay a monthly premium, your Medicare Part B deductible and excess charges, hospitalization costs beyond the additional 365 days after the Lifetime Reserve is used, all skilled nursing facility costs after 101 days, a $20 copayment for office visits, $50 copayment for emergency room visits and an annual $250 for foreign care along with 20 percent of costs up to a $50,000 lifetime benefit.
With Plan N, if you agree to use a hospital in the Medicare approved network for non- emergency services, you will be eligible for a reduced premium.
|Basic Benefit Options||Premier Plan Options||Budget-Conscious Plan Options|
|Plan A||Plan B||Plan C||Plan F||Plan G||High Deductible
|Plan K*||Plan L*||Plan N*|
|Reduced Premium Medicare Select Option Available (eligibility based on ZIP code)|
|Skilled Nursing Coinsurance||100%||100%||100%||100%||50%||75%||100%|
|Part A Deductible||100%||100%||100%||100%||100%||50%||75%||100%|
|Part B Deductible||100%||100%||100%|
|Part B Excess||100%||100%||100%|
|Foreign Travel Emergency Care|
|Annual Out of Pocket Limit**||$5,120||$2,560|
*Plans K-N provide for different cost-sharing than plans A-G.
Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges.
Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits.
**The out-of-pocket annual limit may increase each year for inflation. (2017 limits shown)
† Network restrictions apply