Plan N

If you agree to share some of the costs of your healthcare, Medicare Supplement Insurance Plan N* from Blue Cross and Blue Shield of Illinois 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.


As a senior looking for dependable health care at a moderate price, Medicare Supplement Insurance Plan N may be the right choice. This plan provides full coverage for your Part A deductible ($1,364) and 100 percent of any hospitalization coinsurance after Medicare benefits end.

That means on day 61 when Medicare stops paying, and this plan pays the $370 a day through day 90 and $740 a day with Lifetime Reserve beyond day 91. Medicare Supplement Insurance 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. This specific plan continues this coverage by paying for the remaining amount ($170.50 a day) for days 21-100. This plan also pays your full Medicare co-payment/coinsurance for hospice care.

Benefits Summary

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 copayment/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 Insurance Plan N, 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 are 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 this plan, 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 F
Plan N*
Reduced Premium Medicare Select Options Available (eligibility based on ZIP code)
Basic Benefits 100% 100% 100% 100% 100% 100% copay
Skilled Nursing Coinsurance 100% 100% 100% 100% 100%
Part A Deductible 100% 100% 100% 100% 100% 100%
Part B Deductible 100% 100% 100%
Part B Excess 100% 100% 100%
Foreign Travel Emergency Care


Medicare Supplement Plan F and High Deductible Plan F are only available to those individuals who turned 65 before January 1, 2020.

*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. (2022 limits shown)
† Network restrictions apply

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program