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|Part A Deductible:|
|Part A Co-insurance:||Yes|
|Skilled Nursing Co-ins:||Yes|
|Part B Deductible:||No|
|Part B Co-insurance:||Yes|
How To Compare IAC Medicare Supplement Plan N with Other Plans
If you are shopping for a Medicare Supplement Plan N, IAC is one option. This Medigap plan will help you pay your portion of the costs of your Medicare Part A and Medicare Part B benefits. The panel above briefly outlines the coverage.
The internet is full of information about traditional providers of Medicare Plan N policies, like Individual Assurance Company Life, Health, & Accident. Sorting through these insurance carriers on your own can be difficult, and you might miss some of your options, such as lower premiums, perks, and discounts that might be available.
This is why we offer a free service to help you compare the best Medicare Supplement insurance providers, including IAC. This way, you can be sure that you get the right coverage for you with a monthly premium that fits your budget. We will show you all of your options. Who you buy your plan from is your choice.
Where Is IAC's Medicare Supplement Plan N Available?
What Costs Does Medicare Supplement Plan N from IAC Cover?
Plan N is one of the newest Medicare plans. Individual Assurance Company Life, Health, & Accident offers it some areas (see above) because it helps seniors fill the gaps in their Medicare Part A and Part B benefits in a unique way.
Unlike Plan F and Plan G, with a Medigap Plan N policy, you'll be required to pay a copayment of up to $20 for some doctor visits and up to $50 for emergency room care that doesn't result in you being admitted into the hospital. For healthy seniors, the co-pays add up to savings due to the lower monthly premiums.
Here's how Plan N covers you:
- Medicare Part A hospital coinsurance and other costs up to an additional 365 days after Original Medicare benefits are exhausted
- Medicare Part A hospice care coinsurance or co-payment
- Medicare Part B coinsurance or co-payments (except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in inpatient care)
- First three pints of blood used in a medical procedure
Plus, Plan N offers the following additional benefits:
- Skilled Nursing Facility (SNF) coinsurance
- Medicare Part A deductible
- Foreign travel emergency care (up to plan limits)
With its lower cost and good coverage, it is easy to see why Plan N's popularity is growing.
Generally, a Plan N costs about 25% less than the more comprehensive Plan F. The lower premium is available because Plan N covers fewer gaps in Original Medicare. In addition to the co-pays, be aware that this plan does not cover the Part B deductible or Part B excess charges. For this reason, this plan is best for people who do not have chronic health conditions.
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