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SpinDistribute.com Article Directory

The following article was published in our article directory on May 5, 2012.
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Saving Money with a Plan N Medicare Supplemental Insurance Policy

Article Category: Finances

Author Name: Neil Primack

Plan N Medicare supplemental insurance policies have become a popular option for senior citizens looking for a more affordable Medigap insurance plan. Plan N was only introduced in June 2010 but has rapidly become one of the best-selling Medigap policies in recent years. It is also a viable option for seniors who want to shift to a cheaper Medigap plan from their existing one, as well as for those who are on a Medicare Advantage plan. One of the plans' biggest selling points is its smaller monthly premiums, although it includes some cost-sharing for medical services. However, the cost savings from the smaller premiums are more than enough to compensate for the co-pays unless you constantly need to visit the doctor. Apart from having to shoulder the Part B deductible, the insured person will have to shell out for a $20 doctor s fee and $50 emergency room co-pay.

Plan N is also ideal for those who have been turned down for other Medigap plans since, in many states, this policy is guaranteed issue , meaning you cannot be denied coverage because of pre-existing health conditions.

The benefits for the Plan N Medicare supplemental insurance policy include:

Basic benefits including the Part A and Part B coinsurance (with the exception of the co-pay described above) as well as an additional 365 days of coverage after your Medicare benefits lapse.
- Blood. The first three pints are covered for each calendar year
- Hospice care. Plan N covers the Part A coinsurance (20|of total) for these services.
- Skilled nursing facility services. Plan N covers the 20|Plan A coinsurance.

The Part A deductible. For 2012, the deductible is $1,156/benefit period. However, you will have to pay the Part B deductible, which is $140/year for 2012.

Foreign travel emergency services. If you are abroad and you need health services, Plan N will cover the cost of these for the first 60 days of your trip abroad. For these services, however, there is a separate $250 deductible and a $50,000 lifetime maximum.

There are no time deadlines for enrolling in Plan N or any other Medicare supplemental insurance plans. However, if you want to save money and avoid possibly being turned down for coverage, the best time to enroll is during the six-month open enrollment period that starts on the first month of your 65th birthday and when you are already enrolled in Medicare Part B. During this period, you cannot be refused enrollment by a Medigap insurance company for any health problems you may have and they cannot charge you more for a policy compared with what they may charge another individual who has no health issues.

If you want to find the best Medicare supplemental insurance plans, you should consider working with an independent health insurance broker, since they can help you compare quotes from several providers as well as giving you objective advice as to which plan best meets your requirements based on your present health condition and possible future health needs.

Keywords: Health Insurance, Medicare Supplemental Insurance, Medigap Insurance, Group Health Insurance

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