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AARP Plan N Supplement has a preferred price point in Maryland and is a good option for Medicare recipients as a result.   Other companies offer the Plan N but AARP currently prices it at the best rate which ranges from $85.00 a month to $105.oo a month depending on county.

For those not familiar with it, plan N covers all medical expenses with 3 exceptions. 1- It does not pay the Medicare Part B deductible of $144.00, 2- You can be billed a maximum of $20.00 for physician services and tests, 3- you pay $50 for ER visits.  Everything else (including inpatient hospital) is covered in full.

Plan N is a good option for those that want to keep Medicare primary in order to have access to more providers.  Plan N also eliminates the risk of any large copays for major services.   Plan N would be a good consideration for those with a Plan F supplement or those whom have a Medicare Advantage plan and would like to consider a Medicare supplement instead.

Feel free to call our office or email Ed Crowe if you have any additional questions or would like to apply for Plan N.

Ed’s cell 860-992-4494

Email: Edward@Croweandassociates.com

Medicare Supplement Plan N was approved for enrollment on June 1, 2010. The plan is offered at a competative price point by Anthem BCBS and United Healthcare “AARP Branded”. They both offer plan N for around $150 a month depending on availability of discounts.

Plan N is a departure from other supplements in that is allows the physician to bill up to a max of $20 per visit. It also has a $50 emergency room copay and does not cover the part B deductible (disappointing) of $155 a year. Many seniors have been willing to give the plan a try in order to save $50 a month in premium. This has been especially true of those in plan F supplements. Plan J enrollees need to be careful as plan J is a closed plan an they will not be able to go back to it in the event they try plan N and decide they do not like it.

The most suprissing part plan N has been the low number of providers that actually bill any type of excess on the plan. Providers are allowed to bill up to $20 dollars but seem not to do so often. (That has been our limited experience so far anyway)

People switching from their current plan to Plan N do not need to pay the $155 part B deductible as it has already been met for the year. They will however be subject to the Part B deductible in 2011.