Coverage Details: Medicare Supplement Plan N covers the 20% that Medicare Part B doesn’t. It also pays for your hospital deductible and all your hospital copays and coinsurance. You will pay your own excess charges ( 15% ), Part B deductible ( $198 )and some small copays at the doctor’s office ( $20 ) and the emergency room ( $50, waived if checked into the hospital ).
What are Part B excess charges anyway? Doctors who do not accept Medicare assignment can charge an additional 15% above the cost Medicare approves. If they charge this additional 15%, you are responsible for paying the additional charge. The majority of doctors who accept Medicare patients also accept Medicare assignment, but it is worth asking the question prior to making an appointment with your preferred medical provider.