Plan N

Plan N is identical to Plan G except there is a $20 copay for office visits and a $50 copay for emergency room visits. Like Plan G, Plan N does not cover the $185 Medicare Part B deductible.

Plan N covers:

• Your $1,384 Part A deductible and coinsurance
• The cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends
• Your Part B coinsurance and the cost of the first three pints of blood
• 80% of Part B physician charges that are in excess of the Medicare-approved amount (By law no physician may charge more than 115% of Medicare-approved amounts).
• Skilled nursing facility copayment
• Foreign travel emergency care

Plan N does NOT cover:

• Your $185 Medicare Part B deductible
• Part B Medical Excess Charges – charges from your provider that exceed Medicare-approved amounts. Only Plan F, High Deductible Plan F, and Plan G cover these charges. For all other plans, you are responsible for paying excess charges. In no case can a provider charge more than 115% of the Medicare approved amount.

There is also a BCBSWI Medicare-Select Plan N that offers the same benefits as Standard Plan N but provides costs savings by agreeing to use a Medicare Select particpating hospital for non-emergencies. You may still see any doctor you choose with Medicare-Select plans. If your hospital is part of the Medicare Select network, the Med-Select plan is a good option to consider.