While the benefits offered by Medicare Supplement plans, also known as “Medigap” plans are standardized by the government Medigap Plan N is offered by several companies, including Mutual of Omaha, Aetna, Cigna, United Healthcare, and Blue Cross Blue Shield. Plan N offers numerous benefits at a lower premium than some of the other Medicare Supplement plans, and covers the following costs that you would normally have to pay for out of pocket:
- Medicare Part A Coinsurance and deductible (for hospital visits)
- Most Part B Coinsurance or Copayments (for doctors office visits), except up to $20 for office visits and $50 for ER visits
- Blood transfusions (up to 3 pints)
- Part A Hospice Coinsurance or Copayment
- Skilled Nursing Facility (SNF) Coinsurance or Copayment
- Coverage of some medical expenses incurred during foreign travel.
While multiple insurers offer identical Medigap Plan N benefits, the premiums – or upfront monthly costs – of each plan can differ widely from plan to plan and not all plans are available in all states. For example, Mutual of Omaha or Aetna may not offer Medicare Supplement Plans in your region. We can help you choose the right plan that balances premiums and coverage: call us or use our free online quote engine to help you understand what the costs of a Medicare Supplement Plan N will look like for you.
We can also help you understand which plan is best for you and compare across plans. For example, while Medicare Supplement Plans F and G are the most popular options] available, for seniors planning ahead, it’s important to in know that starting January 1, 2020 Medicare Supplement Plan F will no longer be available. Beneficiaries currently enrolled in Plan F can continue purchasing Plan F, but premiums may increase as fewer and fewer seniors are able to select this plan. So even beneficiaries already enrolled in Plan F may be interested in exploring a more affordable option with lower premiums. In this case, United Health Medicare Supplement Plan N is a great option and we can help you plan to secure your health in the future by helping you understand the difference in benefits and costs of each plan. Our free, instant online quote generator can help you select a plan with no hassle.
With United Health’s Medicare Supplement Plan N, you would receive supplemental insurance from one of the largest and most innovative insurers in the U.S. to help you pay for medical costs that traditional Medicare does not cover. United Health operates in all 50 states in the U.S. and invests more than $3.3 billion in technology and innovation, making them a leader in the insurance and wellness field. Purchasing a Medicare Supplement Plan through United Health offers you the support and access to more than 85,000 clinical professionals on staff at United Health who are there to help you with your healthcare needs.
With United Health’s Medicare Supplement Plan N, you must meet the annual Part B deductible of $185. After you’ve paid $185 for doctors visits, United Health’s Medigap plan starts covering almost all of your out of pocket costs. Depending on what kinds of doctor visits you might need to make, you might need to pay a small copay of $20 per office visit. This can be significantly less than you would pay to visit a doctor if you did not have supplemental or Medigap insurance and provide you the peace of mind by knowing how much each visit will cost with no surprise bills.
United Health’s Medicare Supplement Plan N also pays for any infused drugs that you receive at a doctor’s office; these can include extremely expensive biologic drugs used for serious health conditions such as rheumatoid arthritis, cancer, or autoimmune conditions. Being treated for a serious health condition should not leave you financially bankrupt, and with United Health’s Medicare Supplement Plan N, you have the peace of mind knowing that if you did develop a serious health condition, your Medigap plan will help keep you from having unexpected costs. You can get a free instant online quote on our website to compare plans and see what the costs of a Medigap plan would be for you. We are also happy to assist you over the phone as well.
United Health’s Medicare Supplement Plan N is a great choice for seniors who are in generally good health and do not visit the doctor that often but would like some extra peace of mind and help paying for Medicare cost sharing. United Health’s Medicare Supplement Plan N also gives you the flexibility of keeping your doctor – unlike most Medicare Advantage Plans, United Health’s Medicare Supplement Plan N works with your traditional Medicare benefit, which means you can see the same provider you always see, but at potentially lower cost. With United Health’s Medicare Supplement Plan N, there are no networks and you retain the ability to see any doctor who accepts Medicare. This plan is offered with lower premiums than many of the other popular Medicare Supplement plans, while providing fairly comprehensive coverage of out of pocket costs. And, unlike Plan F which will be discontinued, United Health’s Medicare Supplement Plan N will continue to be offered beyond January 1, 2020, meaning that you can enjoy stability in your supplemental coverage with low premium increases. Use our free, instant online quote generator to see if this plan is offered in your area and compare United Health’s Medicare Supplement Plan N with other options!
United Health (NYSE: UNH) offers health insurance coverage in all 50 states, and through their partnership with Optum is continually innovating and leveraging high tech solutions to bring you improved benefits and coverage. While Medicare Supplement Plans are community rated, working with a large, national insurer like United Health can insure that your premiums remain stable and spread across an adequate risk pool. United Health has also been repeatedly recognized by national organizations for their contributions to the community, corporate responsibility and sustainability, and community partnerships.