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With all the different parts of Medicare, it can be confusing to differentiate the coverage offered by each plan.
At John Kyle Insurance, you will gain a better understanding of your Medicare needs after learning more about Original Medicare, Medicare Advantage Plans, Prescription Drug Coverage, and Medicare Supplements.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
The policyholder pays the insurance company a premium payment every month in return for a death benefit to be paid to the policyholder’s chosen beneficiaries in the event of their death.
Health insurance is essential to have through all walks of life. Whether it is an individual, family, or group plan, John Kyle will advise and guide you in the right direction to find the coverage you deserve.
Different types of supplemental insurance pay you a cash benefit while you’re sick or injured. Whether it’s disability or dental, explore your many options with John Kyle.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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Medigap Plan N
Medigap Plan N is deemed one of the most comprehensive coverage plans available amongst the Medigap policies. It is often compared to Medicare Supplement Plan G since the two share similar coverage plans, including Part A coinsurance, deductibles, and hospital costs. Even though the plans are similar, there are a few things that Plan N doesn’t cover that might be important to you. This includes excess charges and copayments.
While it isn’t common to be charged excess for medical services, it still happens throughout the country. Providers who accept Medicare are allowed to charge an additional 15% of the original cost of services if they wish too. If they decide to tack on this extra fee, then you will be responsible for paying. Regarding copayments, the costs are still lower than what they would be without Plan N as many patients have to pay $20 for doctor office visits and up to $50 for emergency room visits.
Since Medigap Plan N does have less coverage options than Plan G, enrolling and monthly premiums tend to be lower. Typically, it is recommended that Plan N is best for somebody who is relatively healthy, doesn’t visit the doctor often, and wants to pay a lower monthly premium.
Medigap Plan N is a great option to provide additional coverage to anyone with an Original Medicare plan. While it won’t help with copayments or excess charges, it will still help you save money in the long run at a lower monthly premium rate. Below you will see all areas of coverage that are available under Medigap Plan N:
We are not connected with or endorsed by the United States government or the federal Medicare program.
Making decisions about health insurance and Medicare benefits is never easy. The team at John Kyle Insurance has been partnering with clients for decades to make these difficult decisions easier. We will sit down with you, learn more about your goals, and help guide you through the process of enrolling in the best plan available. To schedule your free consultation, give us a call today at (440) 230-1223.
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We are not connected with or endorsed by the United States government or the federal Medicare program.