Blue Cross Blue Shield Medicare Supplement Plan N 2024 Rates

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Russell Noga
by Russell Noga | Updated September 2nd, 2023

Blue Cross Blue Shield Medicare Supplement Plan N in 2024

Navigating the world of Medicare can be overwhelming, but understanding your options is crucial for making informed decisions about your healthcare.

One such option is the Blue Cross Blue Shield Medicare Supplement Plan N, designed to fill gaps in Original Medicare coverage.

In this article, we’ll compare Medicare Supplement Plan N to other popular Medicare Supplement plans, and discuss additional benefits and services available to help you make the best choice for your needs.

 

Short Summary

  • Blue Cross Blue Shield’s Medicare Supplement Plan N offers comprehensive coverage with lower premiums and copayments for office visits and emergency room visits.
  • Comparing Plan N to other plans requires an analysis of coverage options, cost-sharing arrangements, benefits, costs, prescription drug coverage needs, and additional benefits such as fitness programs or discounts.
  • Third-party ratings have been overwhelmingly positive for Blue Cross Blue Shield Medicare Supplement Plan N. Research is recommended when selecting the best plan for your healthcare needs.

 

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Overview of Blue Cross Blue Shield Medicare Supplement Plan N

As a leading provider of healthcare coverage, Blue Cross Blue Shield (BCBS) offers a variety of Medicare Supplement plans, also known as Medigap plans, to help cover out-of-pocket costs not addressed by Original Medicare (Part A and Part B). With 114 million members, BCBS has a long-standing commitment to providing quality health insurance solutions, including the Medicare Supplement Insurance Plan.

One such solution is Medicare Supplement Plan N, which aims to strike a balance between comprehensive coverage and affordable premiums.

Medigap Plan N offers Medicare coverage for Medicare Part A coinsurance and hospital costs, Part B coinsurance or copayment, the first three pints of blood, skilled nursing facility coinsurance, and Medicare Part A deductible.

However, it’s essential to note that beneficiaries are responsible for certain deductibles and copayments when it comes to their Medicare benefits.

In the following sections, we will delve deeper into the key features and out-of-pocket costs associated with Plan N.

 

Key Features of Medicare Plan N

 

Medicare Supplement Plan N is designed to assist with covering cost-sharing gaps for Medicare Part A and Part B, which can help reduce out-of-pocket expenses. This plan offers comprehensive coverage, including Part A coinsurance and hospital costs, Part B coinsurance or copayment, and the first three pints of blood.

However, beneficiaries are responsible for certain deductibles and copayments, which contribute to the plan’s lower premiums compared to other Medigap plans.

 


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One notable feature of Plan N is its copayment structure. For office visits, the copayment is up to $20, while emergency room visits that do not result in inpatient admission come with a copayment of up to $50.

Understanding these costs is essential when considering Plan N as a Medicare Supplement option.

 

Out-of-Pocket Costs

 

With Plan N, the out-of-pocket expenses are primarily in the form of deductibles, copayments, and coinsurance costs. Deductibles may vary, and it’s crucial to be aware of the costs associated with your specific plan. Copayment amounts can also vary but typically include up to $20 for office visits and up to $50 for emergency room visits.

It’s important to note that Plan N does not cover skilled nursing facility care coinsurance, but it does provide coverage for hospice care coinsurance under Medicare Part A.

Additionally, Plan N does not offer coverage for foreign travel, which may be a consideration for those who travel frequently.

 


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Comparing Plan N to Other Medicare Supplement Plans

To make an informed decision, it’s essential to compare Plan N to other Medicare Supplement plans in terms of coverage options and cost-sharing arrangements. In the following sections, we’ll compare Plan N to Plan G and Plan F, two popular alternatives that offer different levels of coverage and cost-sharing arrangements.

Plan G is the most comprehensive of the three plans, offering coverage for all Medicare Part A coverage.

 

Medicare Plan N vs. Plan G

 

Plan N and Plan G are both popular Medicare Supplement plans that offer comprehensive coverage.

However, there are some key differences between the two. Medicare Plan G provides coverage for out-of-pocket costs not covered by Original Medicare, excluding the Medicare Part B deductible. In contrast, Plan N does not cover the Part B deductible and requires a copayment of up to $20 for doctor visits and up to $50 for emergency room visits.

 

Medicare Plan N vs G

 

It’s important to weigh the differences in coverage and cost-sharing when deciding between Plan N and Plan G. While Plan G covers the Part B deductible, it may come with higher premiums than Plan N.

On average, Blue Cross Blue Shield’s quotas for Medigap Plan G were about 29% higher than the cheap Plan G policy in the area. This resulted in elevated prices for consumers.

Ultimately, the choice between the two plans will depend on your individual needs and preferences.

 

Medicare Plan N vs. Plan F

 

Medicare Supplement Plan F is another popular Medicare Supplement plan that differs from Plan N in terms of coverage and eligibility requirements. Plan F provides the most comprehensive coverage, including all deductibles and copayments.

However, it is only available to those who were eligible for Medicare prior to January 1, 2020.

 

Medicare Plan F vs G

 

For those who are eligible, Medicare Plan F can offer peace of mind with its extensive coverage. However, it’s important to consider the higher premiums associated with Plan F compared to Plan N. Weighing the benefits and costs of each plan will help you make the best decision for your healthcare needs.

Prescription Drug Coverage with Plan N

Medicare Supplement Plan N does not provide prescription drug coverage. However, there are options available to ensure that your medication costs are covered.

In the following sections, we will discuss adding a standalone Part D plan and integrating with Medicare Advantage for prescription drug coverage.

 

Adding a Standalone Part D Plan

 

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A standalone Part D plan is designed to assist with covering the cost of prescription drugs. Adding a Part D plan to your Medicare Supplement Plan N can help ensure that your medication costs are covered, providing comprehensive healthcare coverage.

The process of adding a standalone Part D plan may vary depending on your location and insurance provider.

It’s essential to research your options and consult with your insurance provider to determine the best course of action for adding prescription drug coverage to your Plan N.

Dental and Vision Coverage Options

While Plan N does not include dental and vision coverage, there are options available for adding these coverages to your Medicare Supplement plan.

In the following sections, we’ll explore dental and vision coverage add-ons available through Anthem Extras packages, which require additional premiums.

These packages offer a variety of coverage options, including coverage for routine dental care and vision care.

 

Dental Coverage Add-On

 

Blue shield plan g inspire Adding dental coverage to your Plan N can help reduce out-of-pocket costs for dental care, providing comprehensive coverage for both medical and dental needs.

Dental coverage add-ons typically include preventive care, such as cleanings and exams, as well as coverage for restorative treatments like fillings and extractions.

The cost of adding dental coverage to your Plan N will depend on the plan and provider, with additional premiums added to the cost of the Plan N.

Some providers may also offer discounts on other dental services, such as orthodontic care and cosmetic dentistry when a dental coverage add-on is purchased.

 

Vision Coverage Add-On

 

Adding vision coverage to your Plan N can help cover costs not typically addressed by Original Medicare, including eye exams, frames, and eyeglass lenses. Vision coverage add-ons may vary depending on the state and the Blue Cross Blue Shield company offering the plan.

Be sure to research your options and consult with your insurance provider to determine the best course of action for adding vision coverage to your Plan N.

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Wellness Programs and Additional Benefits

Blue Cross Blue Shield Medicare Supplement Plan. N provides coverage for most out-of-pocket healthcare expenses, but the specific wellness programs and additional benefits may differ depending on the state and the particular Blue Cross Blue Shield company.

In the following sections, we’ll discuss fitness programs and discount programs available with Plan N.

 

Fitness Programs

 

Some Blue Cross Blue Shield Medicare Supplement Plan N options may offer fitness programs such as SilverSneakers, which can help support a healthy lifestyle.

 

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To access fitness programs and resources as part of your Plan N benefits, contact your local Blue Cross Blue Shield provider.

 

Discount Programs

 

Plan N may provide various discount programs, including premium discounts, exclusive member discounts through Blue365®, and the option to add prescription, vision, and dental plans. Specific discount programs may vary depending on the state and the Blue Cross Blue Shield company offering the plan, so it’s important to research your options and consult with your provider for more information.

It is important to understand the different discount programs available and to research your options before making a decision.

Blue Cross Blue Shield Customer Service and Support

Blue Cross Blue Shield is committed to providing comprehensive customer service and support for Medicare Supplement Plan N members.

With a complaint rate approximately 2% lower than the market average for all Medigap plans and a score of 73 out of 100 on the ACSI health insurance satisfaction benchmark in 2022, Blue Cross Blue Shield demonstrates a strong commitment to customer satisfaction.

To access customer service, Blue Cross Blue Shield Medigap members can utilize the toll-free number provided on their member ID card.

Third-Party Ratings and Reviews

Blue Cross Blue Shield Medicare Supplement Plan N has earned a positive assessment from third-party ratings and reviews. With an A+ rating and an average rating of 4.3 out of 5 stars, which is higher than the average rating of other national providers, it’s clear that Plan N is a viable choice for purchasing a Medicare Supplement policy.

Customers have expressed positive sentiments regarding the coverage, plan options, and customer service provided by Blue Cross Blue Shield Medicare Supplement plans.

 

Choosing the Right Medicare Supplement Plan

 

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When selecting a Medicare Supplement plan, it’s essential to consider factors such as plan availability, premiums, potential premium changes, and any additional benefits that may be offered.

By comparing Plan N to other Medicare Supplement plans and taking into account factors such as coverage, premiums, and additional benefits, you can make an informed decision about the best plan for your healthcare needs.

It is important to research and compare different plans to ensure that you are getting the best coverage.

In conclusion, Blue Cross Blue Shield Medicare Supplement Plan N provides a balance between comprehensive coverage and affordable premiums. By exploring additional benefits such as dental, vision, and prescription drug coverage, as well as comparing Plan N to other Medicare Supplement plans, you can make the best choice for your healthcare needs.

Ultimately, the decision comes down to personal preferences, budget, and the level of coverage you require. With the information provided in this blog post, you’re now better equipped to make an informed decision and navigate the world of Medicare with confidence.

Frequently Asked Questions

 

What is Medicare Supplement Plan N?

Medigap Plan N is a Medicare Supplement Insurance plan that helps pay for out-of-pocket costs not covered by Original Medicare (Parts A and B). It offers cost-sharing options for copayments, coinsurance, and deductibles.

 

What is the difference between Medicare plan G & N?

Medigap Plan G covers Medicare Part B excess charges that Plan N does not, but Plan N has lower monthly premiums and copays for certain medical office and emergency department visits.

However, if you don’t visit the doctor often, Plan N could save you money in the long run.

 

Does Plan N include prescription coverage?

Plan N does not include prescription coverage; it also excludes dental, vision, and hearing care.

To receive coverage for prescriptions, one must purchase a Medicare Part D plan.

 

Can I switch from Plan G to Plan N?

Unfortunately, you cannot switch from Plan G to Plan N since the anniversary rule window for this does not allow it.

Make sure to review your plan’s terms and conditions before making any changes.

 

How does Plan N compare to Plan G and Plan F?

Plan N requires copayments for doctor visits and emergency room visits, while Plan G covers out-of-pocket costs not covered by Original Medicare excluding the Part B deductible.

Plan F is the most comprehensive coverage, including all deductibles and copayments, but is only available to those eligible before Jan. 1, 2020.

Find the Right Medicare Plan for You

Finding the right Medicare Supplement Plan doesn’t have to be confusing. Whether it’s a Medigap plan, or you have questions about Blue Cross Blue Shield Medicare Supplement Plan N, we can help.

Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!

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