The best way to get your Medicare supplement plans is online. It’s a time-saving and money-saving method for every Medicare subscriber.
If you are ready for more coverage than what you are getting at present, you may want to consider signing up for one of the supplemental plans. You can apply for Mutual of Omaha Plan N online right now and start saving money today.
Is Plan N the Right Choice?
You have more than a few supplemental plans to pick from, so what makes Plan N worth considering? Well, for those who are pretty much covered by Medicare, it isn’t a worthwhile plan.
It won’t be very good for them, since they are already well covered by their current plan. Maybe a low coverage plan would be a good option, but Plan N is meant for people with more extensive medical bills to pay.
If you find yourself struggling with medical debt and you have a lot of expenses to pay after your medical plan does what it is supposed to, then Plan N is worth considering.
It is also a good choice for people who may be in reasonably good health but who have some extra money to spend on medical insurance and who may be at risk for greater health problems soon. These people are future-proofing their healthcare by buying insurance that is designed to protect them against many eventualities.
Plan N is one of the more robust Medicare supplement plans. It’s not something that Medicare sells directly, so you must go through a private insurance company like Mutual of Omaha to get it.
It can cover you for all sorts of healthcare costs, such as your Medicare part A deductible and the Part A and Part B coinsurance. It may ask that you pay some minor co-payments even after it provides its coverage, but these are small $20 and $50 expenses.
It is also going to cover you for nursing care coinsurance, which can be very helpful for seniors. It covers you for some more blood every year, which is beyond what you are covered for by Medicare’s basic plan. It also covers you for foreign travel exchange, which is the transport cost for emergency medical care outside the US.
It will only cover you for 80% of that expense, however, so be aware of that. You will also have to pay a deductible for that item before you can be covered.
Plan N further covers you for supplemental hospice care. That’s an extra 365 days of coverage beyond what the basic medical plan is providing for you.
Put all that together and you have quite a coverage plan. It’s not as extensive as Plan G or Plan F, but it doesn’t need to be. This plan is ideally suited for people who like a lot of coverage but who don’t want all the extra bells and whistles of higher coverage plans that cost more.
Essentially, if you have some serious healthcare needs but you don’t have a lot of money to spend on insurance, then you can apply for Mutual of Omaha Plan N online and save money. It’s cheaper than Plan G or F, and it covers nearly as much as they do.
There is little difference between the three plans, which is why many people opt for Plan N, once they get a good look at this plan and compare coverage and cost.
It simply makes sense to go for the plan that covers nearly as well but costs a lot less.
The difference in coverage between Plan N and the other high coverage plans is negligible for most people, especially when you factor in the price difference.
How to Sign Up
It’s very easy to sign up for Medicare Plan N. You can get it through Mutual of Omaha through this site here. All you must do is complete the form, and you will find out if you have been approved shortly.
You must have a Medicare basic plan first, though.
That plan is required for supplemental insurance. You also can’t have an Advantage plan or something similar that would overlap Plan N.
Medicare does not permit overlap between it its plans, and you will have to drop one if it would give you the same insurance as Pan N offers or insurance that is very similar.
You can change your plan at a later date if you wish.
If you find that Plan N is not working well for you or your needs change at some point, then you can go with a different plan. Just be sure to change it out after your current plan has expired. Otherwise, you will have to go through a lot of hassle.
Once you are approved for the plan, you just make the monthly payments for the premiums.
That will ensure that you receive coverage at every Medicare-approved facility you visit.
Keep in mind that not every healthcare facility will take your Medicare coverage. Some of them do not accept that type of insurance, so make sure you find out before you go there for treatment.
You are also allowed to ask if any procedure or treatment is covered under your plan. If it isn’t, you have the right to refuse it. Your doctor should know whether your plan covers you for treatment.
Plan N can save you money, if you can make use of all the coverage it comes with. Even if you can’t use all that coverage right now, you may be able to use it later.
It may be in your best interests to sign up for Plan N now and enjoy that coverage and the peace of mind it provides, even if it covers more than your immediate needs.
You can apply for Mutual of Omaha Plan N online now and start enjoying those benefits.