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Medicare Supplement Plan N is unique in that it covers 100% of Medicare Part B coinsurance costs, but requires you to pay $20 for office visits and $50 for emergency room visits. This system replaces the traditional coinsurance you would have with most other Supplement Plans.

When choosing a plan, keep inColorado Supplement Plan N mind that under Supplement Plan N you would need to pay the Medicare Part B deductible and Part B excess charges out of pocket as Plan N does not cover these costs.

Medicare Supplement Plan N in Colorado includes the following benefits:

  • Medicare Part A coinsurance for hospitalization in addition to coverage for one additional year after Medicare benefits end
  • Medicare Part B coinsurance for medical expenses — usually 20% of Medicare-approved expenses — or co-payments for outpatient services (copay of $20 for office visits and $50 for emergency room visits)
  • The first three pints of blood you receive as a hospital inpatient or outpatient (whereas original Medicare typically covers any pints of blood you receive after the first three)

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Medicare Supplement Plan N does not cover:

  • Medicare Part B deductible
  • Medicare Part B excess charges
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