Texas Medicare Supplement (Medigap)
Specialist
http://www.TX-MedicareSupplement.com
Specialist
http://www.TX-MedicareSupplement.com
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Medicare Supplement Plan N
Written by David Hecker
The Medicare Supplement Plan N is a cost effective Medigap solution, perfect for healthy Medicare beneficiaries who want
lower monthly premiums. Plan N monthly premiums can be 25% less than Medicare Supplement Plan F, and is perfect for
seniors on a budget.
Plan N is also a good solution for people coming off of Medicare Advantage plans, and people who are familiar with the cost
sharing concept. They will appreciate that they won’t have the network restrictions and additional cost sharing in a
hospital.
The Plan N policyholder is responsible for meeting the Part B deductible (for the doctor – $155.00 in 2010) before any co-
insurance or co-payment is collected. Once the deductible is met, the policyholder is responsible for up to $20.00 per
office visit and up to $50.00 for an emergency room visit (waived if admitted). The policyholder must pay the Part B co-
payment of up to $20.00 for office visits, office consultations, or evaluation and management visits. The co-payment is not
applicable to other charges such as lab work, X-rays, or durable medical equipment. The co-payment is applicable to each
Medicare covered office visit, no matter how many office visits are made in one day. Online, telephone or telehealth
services are not subject to the Plan N office visit co-payment.
The plan N emergency room co-payment of up to $50.00 applies to the total Part B co-payment patient responsibility
amount shown in the remittance advice. When a covered emergency room visit does not result in an inpatient hospital
admission, Plan N policyholders are subject to the emergency room co-payment only, not both the Plan N physician fee co-
payment and the emergency room facility co-payment.
If a policyholder is admitted to an inpatient facility subsequent to the ER visit, and the care is paid under Medicare Part A
hospital impatient stay, then the Plan N ER co-payment is waived. If the emergency room visit, including physician and
facility outpatient charges are paid under Part B, as they will be when the policyholder is not admitted to an inpatient facility,
then the Plan N Part B co-payment of up to 50.00 applies. The ER co-payment is applicable to each Medicare covered
visit, no matter how many visits are made in one day, and is the policyholder is not admitted.
The Plan N co-payments for office and ER visits do not apply to visits to urgent care facilities . Office visits have a smaller
co-payment than ER visits, to encourage office visits where appropriate and discourage unnecessary emergency room
visits.
David Hecker is a Licensed Insurance Agent based in Texas. He specializes in Medicare Products. He is licensed in Texas,
Louisiana and Arkansas. He can be reached at (903) 918-9091 or Toll Free (877) 454-4959. E-mail: dhecker@tx-
medicaresupplement.com or on the web at: http://www.tx-medicaresupplement.com
Written by David Hecker
The Medicare Supplement Plan N is a cost effective Medigap solution, perfect for healthy Medicare beneficiaries who want
lower monthly premiums. Plan N monthly premiums can be 25% less than Medicare Supplement Plan F, and is perfect for
seniors on a budget.
Plan N is also a good solution for people coming off of Medicare Advantage plans, and people who are familiar with the cost
sharing concept. They will appreciate that they won’t have the network restrictions and additional cost sharing in a
hospital.
The Plan N policyholder is responsible for meeting the Part B deductible (for the doctor – $155.00 in 2010) before any co-
insurance or co-payment is collected. Once the deductible is met, the policyholder is responsible for up to $20.00 per
office visit and up to $50.00 for an emergency room visit (waived if admitted). The policyholder must pay the Part B co-
payment of up to $20.00 for office visits, office consultations, or evaluation and management visits. The co-payment is not
applicable to other charges such as lab work, X-rays, or durable medical equipment. The co-payment is applicable to each
Medicare covered office visit, no matter how many office visits are made in one day. Online, telephone or telehealth
services are not subject to the Plan N office visit co-payment.
The plan N emergency room co-payment of up to $50.00 applies to the total Part B co-payment patient responsibility
amount shown in the remittance advice. When a covered emergency room visit does not result in an inpatient hospital
admission, Plan N policyholders are subject to the emergency room co-payment only, not both the Plan N physician fee co-
payment and the emergency room facility co-payment.
If a policyholder is admitted to an inpatient facility subsequent to the ER visit, and the care is paid under Medicare Part A
hospital impatient stay, then the Plan N ER co-payment is waived. If the emergency room visit, including physician and
facility outpatient charges are paid under Part B, as they will be when the policyholder is not admitted to an inpatient facility,
then the Plan N Part B co-payment of up to 50.00 applies. The ER co-payment is applicable to each Medicare covered
visit, no matter how many visits are made in one day, and is the policyholder is not admitted.
The Plan N co-payments for office and ER visits do not apply to visits to urgent care facilities . Office visits have a smaller
co-payment than ER visits, to encourage office visits where appropriate and discourage unnecessary emergency room
visits.
David Hecker is a Licensed Insurance Agent based in Texas. He specializes in Medicare Products. He is licensed in Texas,
Louisiana and Arkansas. He can be reached at (903) 918-9091 or Toll Free (877) 454-4959. E-mail: dhecker@tx-
medicaresupplement.com or on the web at: http://www.tx-medicaresupplement.com
David Hecker * 3010 Latonia St. Longview TX 75605
Licensed in Texas, Louisiana & Arkansas
Licensed in Texas, Louisiana & Arkansas
| Important! All information is kept strictly confidential. Information is only used to provide you with the most accurate information possible. It is NOT sold or shared with anyone! |
* Not connected with or endorsed by the United States government or the federal Medicare program.
| * Licensed Insurance Agent dealing primarily with Medicare Supplement (Medigap) policies |
*
