by Russell Noga | Updated November 26th, 2023
Are you considering a Medicare supplement plan to help manage your healthcare costs?
You may want to explore CareFirst Medicare Plan N, a comprehensive plan designed to fill the gaps in Original Medicare coverage.
In this article, we will dive into the key features, benefits, and cost considerations of Plan N, helping you make an informed decision about whether it’s the right fit for your healthcare needs.
Short Summary
- CareFirst Medicare Plan N offers comprehensive coverage and reduced out-of-pocket expenses for eligible members.
- It provides a wide range of choice when selecting a doctor or hospital, as well as optional vision coverage for annual eye exams and eyeglasses.
- Cost considerations include premiums and out-of pocket expenses with additional benefits such as dental, hearing, vision care programs to help improve health.
Understanding CareFirst Medicare Plan N
As a member of the Blue Shield Association, CareFirst Blue Cross BlueShield offers a Medicare supplement insurance plan known as Plan N. This plan is designed to provide coverage for:
- Medicare Part A and Part B coinsurance
- Copayments
- Deductibles
- Excess charges
This coverage helps you manage your medical expenses.
Plan N provides comprehensive coverage and reduced out-of-pocket expenses for residents in Baltimore City and other areas.
It is important to consider your healthcare needs, budget, and desired level of coverage when selecting the ideal CareFirst Medicare Supplement plan for you.
Key Features of Plan N
One of the significant benefits of CareFirst Medicare Plan N is the freedom of choice it offers. You can select any doctor or hospital in the United States that accepts Medicare.
This nationwide coverage enables you to access care from any doctor or hospital that accepts Medicare and Medicaid services throughout the country. With Plan N, you don’t need to worry about obtaining referrals for medical services.
In addition to the flexibility in provider choice, Plan N includes optional vision coverage. This means that you can receive an annual eye exam, eyeglasses, and contact lenses as part of your plan.
This extra benefit can be crucial for those who require vision care, as it provides added convenience and cost savings.
Comparing Plan N with Other CareFirst Medicare Supplement Plans
When comparing CareFirst Medicare Plan N with other CareFirst Medicare Supplement plans, it’s essential to understand the differences in coverage. Plan F, Plan N, and Plan G are the most popular choices among Medicare beneficiaries.
Plan G offers more comprehensive coverage than Plan N, including Medicare Part A and Part B deductibles. Plan N requires cost-sharing for services such as copayments for doctor visits and emergency room visits.
While detailed comparisons between Plan N and other CareFirst Medicare Supplement Plans are not readily available, it is crucial to research each plan’s benefits and coverage levels to ensure you select the plan that best meets your healthcare needs and budget.
Consulting with a licensed insurance agent specializing in Medicare coverage or contacting CareFirst directly can provide detailed information to help you make an informed decision.
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Eligibility and Enrollment for CareFirst Medicare Plan N
To be eligible for CareFirst Medicare Plan N, you must be a Maryland Medicare beneficiary aged 65 and above, enrolled in Medicare Part A and Part B. For assistance in enrolling in a CareFirst Medicare plan, you may contact their agents by either calling or submitting an online request form.
The enrollment periods for CareFirst Medicare Plan N may differ depending on the type of plan selected, but those enrolling in a Medicare Advantage plan can do so during the annual open enrollment period that runs from October 15 to December 7.
Who Can Enroll in Plan N?
CareFirst Medicare Plan N is open to all Maryland Medicare beneficiaries aged 65 and above who possess Medicare Part A and Part B. Medicare Part A is hospital insurance that provides coverage for inpatient care in hospitals, skilled nursing facilities, hospices, and home health care.
Medicare Part B is a form of medical insurance that assists with covering doctor visits, preventive services, durable medical equipment, and other medical services.
To enroll in Plan N, visit CareFirst’s website or contact their customer service line.
How and When to Enroll in Plan N
The best time to enroll in a Medicare Supplement plan like CareFirst Medicare Plan N is during the Open Enrollment Period (OEP). The OEP is the period when individuals may enroll in a Medicare Supplement plan without supplying evidence of insurability.
If you miss the OEP, there may be Special Enrollment Periods (SEPs) when you can still enroll in a Medicare Supplement plan.
To enroll in CareFirst Medicare Plan N, please contact CareFirst Medicare Supplement MedPlus Member Services at 800-722-2235. They will provide you with the relevant information and assist you with the enrollment process.
Selecting a Primary Care Physician is essential as they will serve as your primary contact for all healthcare matters and ensure that you receive optimal care and advice tailored to your individual requirements.
Prescription Drug Coverage and CareFirst Medicare Plan N
Although the CareFirst Medicare Plan covers the care of older adults. N does not include prescription drug coverage, it is essential to understand the options available for Medicare Part D coverage.
Medicare Part D is a prescription drug coverage plan, and the available options include stand-alone drug plans or a Medicare Advantage plan with drug coverage.
When considering a stand-alone drug plan, it is important to compare the cost of the plan.
Medicare Part D and Plan N
Medicare Part D is a separate plan that provides prescription drug coverage. While CareFirst Medicare Plan N offers comprehensive medical coverage and additional benefits, it does not include prescription drug coverage.
Therefore, if you require prescription drug coverage, you will need to enroll in a separate plan to ensure that your medication costs are covered.
Combining CareFirst Medicare Plan N and Part D Plans
Combining CareFirst Medicare Plan N and Part D Plans can offer comprehensive coverage for medical and prescription drug needs, as well as potential cost savings associated with Original Medicare.
To enroll in a CareFirst MedPlus Medicare Supplement (Medigap) plan alongside your Part D prescription drug plan, visit the CareFirst website or contact their customer service line for more information.
CareFirst Medicare Plan N and Healthcare Providers
When it comes to healthcare providers, CareFirst Medicare Plan N offers flexibility and convenience. Any healthcare provider who accepts Medicare will accept CareFirst Medicare Supplement plans.
This means you have an extensive network of providers available to you, ensuring that you can access the care you need when you need it.
CareFirst Medicare Supplement plans are designed to help you cover the costs of care that Medicare does not, and can be a great alternative to Medicare Advantage plans.
Provider Network for Plan N
The provider network for CareFirst Medicare Plan N offers a considerable degree of flexibility, allowing you to access care from any doctor or hospital that accepts Medicare and Medicaid services throughout the United States.
This flexibility means you can select the providers that best suit your healthcare needs without worrying about network restrictions.
No matter where you are, even in northern Virginia, you can find a provider that meets your needs and offers the care.
Importance of Primary Care Physician Selection
Choosing a primary care physician within the CareFirst network is critical for Plan N enrollees as it provides them with access to the entire range of services provided by CareFirst, such as preventive care, chronic care management, and specialist access.
Your primary care physician will serve as your main point of contact for all healthcare matters, ensuring that you receive optimal care and advice tailored to your individual requirements.
When selecting a primary care physician, consider factors like location, availability, and the physician’s qualifications and experience.
Extra Benefits and CareFirst Medicare Plan N
In addition to the core medical coverage provided by CareFirst Medicare Plan N, the plan also offers extra benefits such as:
- Dental coverage
- Vision coverage
- Fitness programs
- Wellness programs
These additional benefits can help improve your overall health and well-being while potentially saving you money on healthcare costs.
Dental and Vision Coverage Options
CareFirst Medicare Plan N offers extra benefits such as dental, hearing, and vision coverage in addition to the original Medicare coverage.
These medicare benefits can help ensure that you receive comprehensive care for all aspects of your health, from routine dental check-ups and cleanings to annual eye exams and hearing tests.
By taking advantage of these extra benefits, you can stay on top of your health and potentially prevent more significant health issues down the line.
Fitness and Wellness Programs
While specific information about the fitness and wellness programs offered by CareFirst Medicare Plan N is not readily available, these programs are designed to help you maintain and improve your overall health and well-being.
By participating in fitness and wellness programs, you can potentially reduce your risk of chronic health conditions, improve your mental health, and increase your overall quality of life.
It’s essential to explore the details of these programs and take advantage of any opportunities to improve your health.
Cost Considerations for CareFirst Medicare Plan N
When considering CareFirst Medicare Plan N, it’s vital to understand the associated costs, including premiums and out-of-pocket expenses.
The premiums for Plan N may vary based on factors such as age, location, and type of coverage.
Out-of-pocket expenses may include copayments, coinsurance, and deductibles and will depend on the services you receive.
Understanding Plan N Premiums
The premiums for CareFirst Medicare Plan N are not specified in the search results, but they may vary based on factors such as the age of the enrollee, the location of the enrollee, and the type of coverage selected.
To get a better understanding of the premiums associated with Plan N, it’s essential to research and compare different plans, consult with a licensed insurance agent, or contact CareFirst directly for more information.
Out-of-Pocket Expenses with Plan N
The out-of-pocket expenses with CareFirst Medicare Plan N may vary depending on the specific plan details; however, Plan N covers most of the Original Medicare’s out-of-pocket expenses, including deductibles, coinsurance, and copayments.
To manage costs associated with Plan N, you can take advantage of preventive care services, use generic medications when possible, and research the best prices for medical services.
Additionally, CareFirst offers a variety of discounts and programs to help members save money.
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Summary
In conclusion, CareFirst Medicare Plan N is a comprehensive and flexible option for those seeking to fill the gaps in Original Medicare coverage.
With its extensive provider network, additional benefits such as dental, vision, and wellness programs, and potential cost savings, Plan N can be an excellent choice for Medicare beneficiaries.
As you consider your healthcare needs and budget, take the time to research and compare plans to ensure you make the best decision for your long-term health and well-being.
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Frequently Asked Questions
What is CareFirst Medicare Plan N?
CareFirst Medicare Plan N is a Medicare Advantage plan offered by CareFirst BlueCross BlueShield that provides comprehensive healthcare coverage to eligible individuals.
What are the key benefits of CareFirst Medicare Plan N?
Some key benefits of CareFirst Medicare Plan N include coverage for hospital stays, medical services, and prescription drugs, as well as preventive care services.
How does CareFirst Medicare Plan N differ from Original Medicare?
CareFirst Medicare Plan N is a Medicare Advantage plan, while Original Medicare consists of Part A (hospital coverage) and Part B (medical coverage). Plan N often includes additional benefits like prescription drug coverage.
Are there any out-of-pocket costs with CareFirst Medicare Plan N?
Yes, there are out-of-pocket costs with Plan N, including copayments for doctor visits and hospital stays. However, these costs are generally lower than with Original Medicare.
Is prescription drug coverage included in CareFirst Medicare Plan N?
Yes, CareFirst Medicare Plan N typically includes prescription drug coverage (Part D), which can help you save on your medication costs.
Can I see any doctor or specialist with CareFirst Medicare Plan N?
CareFirst Medicare Plan N often has a network of healthcare providers, but you may have the flexibility to see out-of-network providers at a higher cost.
Is preventive care covered under CareFirst Medicare Plan N?
Yes, preventive care services such as vaccinations and screenings are usually covered under Plan N, with little to no out-of-pocket costs.
What is the enrollment period for CareFirst Medicare Plan N?
The Medicare Annual Enrollment Period (AEP) is typically from October 15th to December 7th each year, during which you can enroll in or make changes to your Plan N coverage.
Are there any additional wellness benefits with CareFirst Medicare Plan N?
Some Plan N options may offer additional wellness benefits, such as fitness programs or vision and dental coverage. It’s important to check the specific plan details.
How can I enroll in CareFirst Medicare Plan N?
You can enroll in CareFirst Medicare Plan N during the Annual Enrollment Period by contacting CareFirst BlueCross BlueShield or visiting the Medicare website to explore your options and apply.
Find the Right Medicare Plan for You
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Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.