Plan N - confused

[plantsower]

I am new at this and didn't know exactly what to expect. I have Original Medicare and Blue Shield California Plan "N". I was under the impression that if I had both, I wouldn't have to pay anything other than the possible $20.00 copay for doctor visits (I've never had to) and $50.00 for ER visits.

As it turns out, I have had Medicare approve one of my doctor visits but it went towards the deductible. Blue Shield said it wasn't covered and didn't pay anything.

On another occasion, I had a diagnostic test and Medicare paid their part and Blue Shield paid their part, and I then had a balance. Does that make sense?

Thanks.

 

[Mack]

Plan N does not pay your Medicare Part B deductible, you must pay it. After you meet the deductible you will pay $20.00 co pay per visit with Plan N.

All in all Plan N is a better choice for most people than Plan A unless you visit the Doctor very frequently, say about once a month. If you only go to the Dr. 3-6 times per year you will save money with Plan N over Plan A when you figure the total cost of your premiums plus copays and deductible.

 

[plantsower]

Thanks Mack. Now I get it.

Plan N does not pay your Medicare Part B deductible, you must pay it. After you meet the deductible you will pay $20.00 co pay per visit with Plan N.

All in all Plan N is a better choice for most people than Plan A unless you visit the Doctor very frequently, say about once a month. If you only go to the Dr. 3-6 times per year you will save money with Plan N over Plan A when you figure the total cost of your premiums plus copays and deductible.

 

[arihalli]

Plantsower, there is the $147 deductible for part B. Only have to pay it once a year.

I have Part N as well..... i agree with Mack. Its an excellent choice.

 

[plantsower]

Plantsower, there is the $147 deductible for part B. Only have to pay it once a year.

I have Part N as well..... i agree with Mack. Its an excellent choice.

I'm finally getting it. Thanks so much!