Medicare Plan N covers the following services for enrollees:
Your Part A deductible
Your Part A coinsurance as well as hospital costs for up to 365 days after you use up all your benefits under traditional Medicare.
Plan N covers your 20% coinsurance payments otherwise due under Medicare Part B, which covers physicians fees, lab fees, and durable medical equipment. You’ll still have a copay of $20 for some office visits, and up to a $50 copay for emergency department visits that don’t result in a hospital admission.
Your first three pints of blood.
Hospice care coinsurance or copayments under Part A
Skilled nursing facility care coinsurance
80% of foreign travel care (up to plan limits).
Medicare Supplement Plan N does not cover your deductible for Part B ($233 in 2022), or Part B excess charges. However, since most doctors who accept Medicare patients will accept Medicare assignment and bill Medicare directly, it’s rare for Medicare enrollees to encounter this.
Also, there is no maximum out of pocket limit under Plan N. As of 2022, the only plans that set a cap on out-of-pocket costs are Plan K and Plan L.