• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Medicare Supplement Plan N

Medicare Supplement Plan N

Medicare supplement plan nLike all Medigap policies, Medicare Supplement Plan N is made to fill in the coverage gaps of Original Medicare. Let’s look more closely at Plan N and why shoppers like the concept of being responsible for small yearly deductible and a few copays in exchange for lower premiums 

Plan N is one of the most popular plans because of the balance between low monthly premiums and coverage benefits. Let’s see if Medigap Plan N is a good fit for your budget and coverage goals.

What Medicare Supplement Plan N Covers

Original Medicare usually provides 80% coverage of approved costs. Medigap Plan N gives you the 20% coverage that Medicare Part B doesn’t. Plan N will also provide coverage for your hospital copays, coinsurance and deductible.

  • Medicare Part A Deductible (Covered)
  • Part A Hospice Care Coinsurance or Copayment (Covered)
  • Medicare Part A Coinsurance & Hospital Costs (Covered)
  • Medicare Part B Coinsurance and Copayment (Covered)
  • Blood (First 3 Pints) (Covered)
  • Foreign Travel Emergency (up to plan limits) (Covered)
  • Skilled Nursing Facility Coinsurance (Covered)
  • Medicare Part B Excess Charges (Not Covered)
  • Medicare Part B Deductible (Not Covered)

What Medigap Plan N WON’T Cover

Although Plan N provides excellent coverage, it won’t cover everything. You will be responsible if there are any excess charges. You’ll also have to pay for your Part B deductible as well as some co-payments at the emergency room and your physician’s office.

Medicare Supplement BenefitsPlan N covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are usedYES
Medicare Part B coinsurance or copaymentYES
Blood (first 3 pints)YES
Part A hospice care coinsurance or copaymentYES
Skilled nursing facility care coinsuranceYES
Part A deductibleYES
Part B deductibleNO
Part B excess chargesNO
Foreign travel emergency (up to plan limits)YES

Plan N Doctor’s Office Coverage

It’s important to remember that preventative care is taken care of by Original Medicare. These are services such as:

  • Cancer screenings
  • Diabetes screenings
  • Cardiovascular screenings
  • Annual checkups
  • Colonoscopies
  • Vaccines
  • and more

These standard services will cost you nothing because they are under the standard Medicare preventative care services. With Medigap Plan N, you’ll receive coverage for:

  • Durable medical equipment
  • Surgeries
  • Home Health
  • Lab work
  • Dr visits for illness and injuries
  • Imaging testing
  • Diabetic supplies
  • and more

Just know that if Medicare Part A or B provides coverage for your issue, then your Medigap plan will cover it. Your Medicare supplement will pay 20% and Original Medicare will pay 80%. Medicare send the bill to your Medigap company, so you don’t have to even worry about it!

Plan N Hospital Coverage

The Medicare Part A hospital benefits will provide you coverage for Medicare approved services such as:

  • Inpatient hospital services
  • Skilled nursin
  • Blood transfusions
  • Home health
  • Hospice

Typically you would pay deductible with any hospital stay, but your Medicare supplement Plan N will pay that deductible for you.

Medicare Supplement Plan N Is Standardized

Medicare Supplement Plans

You may be wondering, “Plan N is Standardized – What’s that?”

Before buying a Medigap Plan N you’ll want to get quotes from several companies. However it is really important that you get familiar with what Medicare supplement standardization means.

Here’s the deal: Medigap plans were standardized starting in 1991.

Standardized plans simply means that when you compare Plan N pricing from the various Medigap insurance carriers, you can feel at ease that a Plan N from every insurer will have the same benefits such as:

  • No Networks: You aren’t handcuffed to certain networks when you use Medicare supplement insurance. The reason is that Medigap plans simply supplement Original Medicare. In other words, you have access to any doctor who accepts Medicare – and over 90% of the physicians accept Medicare!
  • Coverage: All Medigap Plan N’s must have the exact same coverage that we posted above, no matter which insurance company you purchase your Medigap plan from. You never have to stress if one company has better benefits with their Plan N over a competitor. All of Plan N benefits are the same.
  • Claims : The claims process with Medigap is streamlined and simple compared to other types of insurance. Your doctor submits your claims directly to Medicare (not your Medigap insurance carrier). Medicare identifies your Medigap plan and Medicare Supplement company. As soon as your claim is approved by Medicare, your doctor is paid. Your Medicare supplement company is then notified and instructed to pay the remaining amount due to your doctor. Your Medicare supplement company is required (by law) to pay their portion of costs if Medicare approves your claim. Companies aren’t able to pick and choose if they want to pay or not; they must follow Medicare’s lead. You’ll have peace of mind knowing that all Medicare-approved claims are paid by all companies offering Medigap plans.

Reviewing and understanding the above details about Medigap standardization makes it simple to compare rates and pick a Medicare supplement Plan N from any of the available companies. It comes down to which company provides the greatest value for Medicare supplement Plan N. 

Is Medicare Supplement Plan N Right for You?

Choosing the right Medigap insurance plan means considering the price of the Medicare supplement plan along with what’s covered and what’s not. It is equally important to understand any drawbacks, like if the plan covers deductibles and excess charges.

Luckily, there is help available that can bring all of these details into focus for you and help you shop for the best deal. At REMEDIGAP, you’ll get expert one-on-one help from our independent licensed agent. You’ll never be pressured to buy one plan over another. You’ll get quotes from the most popular plan like Plan N, Plan G and more. We’ll spend the time to educate you on all your options and you can simply choose which plan meets your financial goals and coverage needs. Call us today or get started now with a free online Medigap quote.

Call (888) 411-1329 for your free consultation today!

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