New Medicare Supplement Plan N: No Questions Asked

A well-known insurance company is not requiring applicants for its Plan N Medicare Supplement to answer medical questions.  This means seniors who have medical conditions that might prevent them from getting a Medicare Supplement now have an opportunity to get Medigap coverage.

And one more bit of good news is that this company’s Medicare Supplement rates are the among the lowest in Arizona – and the company is a top-rated, well-known insurance company.

Plan N is a new Medicare Supplement that went into effect on June 1st.  This plan costs about 25% less than Plan F, which is a Medicare Supplement that fills all the gaps in Medicare.  Plan N costs less because it will require seniors to pay $20 co-pays when they see a doctor in the doctor’s office.  Seniors will also pay $50 if they go to the emergency room. Additionally, the Part B deductible ($155) is not covered by Plan N, and the plan does not cover excess charges (which very few doctors charge anyway).  Every other service (hospital stays, labs, physical therapy, chemotherapy, radiation treatment) is covered completely beyond the co-pays mentioned here.  Medicare pays its part of the bill and Plan N will pay the balance.

I asked this company representative how long they will continue their open application policy for Plan N.  I was told they have no plans to change it in the next few months.  Hopefully the policy will continue through the end of the year when Medicare Advantage enrollees will be able to get out of their plans, go back to Medicare, and get a Medicare Supplement.  Plan N might be the only option for people who might not pass the health questions required by most Medicare Supplement companies. Hopefully they will still have a chance to get Plan N with no questions asked by this company.

I would name the company here, but they would see this as advertising rather than a news story. So I am unable to use the company’s name in this post.

NOTE: When you turn 65, or when you first get Part B, you have a six month “guaranteed issue period” during which you can sign up for a Medicare Supplement without answering medical questions. This is very important for people with pre-existing conditions because they cannot  be refused a Medicare Supplement during their guaranteed issue period.

CONTACT DENISE TO GET MORE INFORMATION  AT 520-820-8639.

Tags: arizona medicare news, arizona medicare supplements, Medicare, medicare blog, medicare choices, medicare coverage, Medicare Supplement, medicare supplement tucson, medicare supplements arizona, plan n arizona, plan n medicare supplement