Plan N (HCR-MSN-19)

Plan N is a comprehensive supplement is similar to Plan C but without coverage of the Part B Deductible and Part B Excess Charge. It combines some cost-sharing, which most people are already accustomed to, with these lower premiums. It covers 100% of the Medicare Part B coinsurance costs, with the only exception being that it requires a $20 copayment for office visits and up to $50 copayment for emergency room visits.    

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  • Hospitalization: EmblemHealth pays Part A coinsurance* plus coverage for 365 additional days in your lifetime after Medicare stops paying.
  • Medical Expenses: EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.
  • Blood: First three pints of blood each year.
  • Hospice care: EmblemHealth pays Part A coinsurance.*
  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,408 in 2020.
  • Emergency care rendered during the first 60 days of foreign travel.
  • $20 copayment for office visit
  • Up to $50 copayment for emergency room visit

* Coinsurance is the portion or percentage of the cost of a Medicare covered service that you are responsible to pay.

** Part A inpatient deductible is the dollar amount of costs for covered services you would be expected to pay for Medicare Part A hospitalization services, including semi-private room and board, general nursing and miscellaneous services and supplies during the first 60 days of a covered admission.


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