I'm on a supplemental Plan N, and I'm curious if my recent MRI is covered or if I'll get stuck with a big bill.

Question

Brian Moore · Accepted Answer

With your Medicare Supplement Plan N, your recent MRI is covered under Medicare Part B as long as it’s deemed medically necessary, but you’ll need to meet the 2025 Part B deductible of $257 first, and then Plan N picks up the 20% coinsurance—though you might face a small copay, up to $20, if it’s done in a doctor’s office. Unlike Plan G, which also covers the Part B coinsurance but skips those copays and fully handles excess charges if a provider bills above Medicare’s rate, Plan N leaves you responsible for any excess, though that’s rare with MRIs since most imaging centers stick to Medicare-approved amounts. I’ve seen beneficiaries caught off guard by these details, so double-check your provider’s billing with your Explanation of Benefits to avoid surprises—either way, your bill should stay manageable compared to having no supplement at all.

Answered by Brian Moore on March 27, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Gary Church · Answer

The question is, is Supplement Part M covering MRIs? Are you gonna be stuck with the bill? The answer is no, as long as it's medically necessary and your doctor says it's medically necessary for that MRI. Medicare is going to cover it. Then your insurance company is gonna pick up your 20%, but under plan M, you are subject to a co-payment.

Now, if you go to the emergency room, you're subject to a co-payment going into the emergency room. But otherwise, it acts just like a Plan G.

So, as far as covering it, yes, it will definitely cover that MRI. Again, I would sit down with a licensed Medicare agent to go over and help you better understand what your options are between the different supplements. Thank you very much. Hopefully, this answers your question.

Lt Col Tim Brown · Answer

If you have met your annual deductible for the year ($257) you won’t owe anything.  

Tim Brown, Contact me.

Voss Speros · Answer

Voss Speros here, Greek out of Medicare. If Medicare's all Greek to you, you're in luck. I'm Greek. So the question today is, I'm on a supplement plan and I go to an MRI because I got an MRI coming up. Am I gonna get hit with a bill? No, you're not. So you're on an end plan. You might. On a supplemental plan, N and G, you have to pay the first $257 for your copay this year for the Part B deductible. So you might get hit with a bill if you haven't paid your Part B deductible yet. If you have paid your Part B deductible, then you're fine. So there are some copayments on the end plan for doctor, specialist, and emergency room. I think it's specialist and emergency room, $20, $50. It's not too terrible. If you're on, no, that's a deductible G. So just the end, you should be fine. Just make sure you pay your Part B deductible of $257 and then after that, you're covered for the year. So if you have any questions, give us a call. We'll send a broker out to you and help you out with whatever it needs to be. Make sure to always review your plan.

Carly Cusack · Answer

You will need to pay the Part B medical deductible which is $257 in 2025 before the MRI is covered. If there are Part B excess charges you may need to pay those as well.

Patricia &#039;Tif&quot; Bush · Answer

As long as you have covered your annual Part B deductible, this year $257, the MRI should cost you nothing more

Brian Cronin · Answer

Yes — if you’re on Medicare with a Plan N, an MRI is normally covered. Medicare Part B pays 80%, and Plan N covers the rest, so you typically only owe your Part B deductible (if you haven’t met it yet) and possibly a small copay tied to the doctor visit. As long as the MRI was ordered by your doctor and done at a Medicare-accepting facility, you should not be stuck with a large bill.

Answered by Brian Cronin on March 2, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent

David Bell · Answer

Plan N makes you Part B deductible ($254 per year in 2025) your responsibility. It depends if you have had other outpatient services that would have required the deductible already. So the most it would cost is $254 in 2025 but it may cost nothing.

Answered by David Bell on April 16, 2025

Agent Licensed in ID, AZ, CA & 8 other states

Answered by David Bell Medicare Insurance Agent

David Wynne · Answer

If you're on Medicare Supplement Plan N, your MRI is likely covered. First, you’ll need to pay the yearly Part B deductible, which is $257 in 2025. After that, Medicare pays 80% of the cost, and Plan N usually covers the other 20%. You might still have a small copay up to $20 if it was done at a doctor’s office, or up to $50 if it was in the ER and you weren’t admitted. If the provider doesn’t accept Medicare assignment, you could be billed a bit more, but that’s rare. In most cases, your cost will be low once the deductible is paid

Answered by David Wynne on August 31, 2025

Broker Licensed in SC, GA, MI, NC & PA

Answered by David Wynne Medicare Insurance Agent

Nicholas Depke · Answer

The good news is that if your MRI was ordered by your doctor for a medically necessary reason, Medicare Part B should cover 80 percent of the approved cost after you meet your annual Part B deductible, and that is where your Plan N comes in to cover most of the remaining 20 percent. Plan N is a strong Medigap policy but it does have a couple of cost sharing features worth knowing about. You may owe a copay of up to $20 for an office visit or up to $50 for an emergency room visit under Plan N, but those apply to the visit itself rather than the MRI specifically. One thing to watch for is something called excess charges, which occur when a provider does not accept Medicare assignment and bills above what Medicare approves. Plan N does not cover excess charges, so if your radiologist or imaging facility does not accept Medicare assignment you could owe the difference between what Medicare approved and what the provider billed, which can add up. The simplest way to protect yourself is to confirm that the facility where you had the MRI and the radiologist who read it both accept Medicare assignment, and if you are unsure your agent can help you think through your options or you can call Medicare directly at 1-800-MEDICARE to verify.

Answered by Nicholas Depke on March 29, 2026

Broker Licensed in NE, AZ, FL & 15 other states

Answered by Nicholas Depke Medicare Insurance Agent

Bubi Gorgevich · Answer

Plan N requers co-pays for some services and Dr. visits. Additional billing should not happen unless you go to the facility that does not accept Medicare Health Plan.

Ezel McIntee · Answer

If you’re on a Medicare Supplement Plan N, your MRI should be covered as long as Medicare approves it as medically necessary. Medicare Part B pays 80% of the approved amount after you meet your annual deductible, and Plan N typically covers the remaining 20% — except for the small Part B deductible and any applicable copay (up to $20 for office visits or $50 for ER visits). So, you shouldn’t get stuck with a big bill unless the provider didn’t accept Medicare or the MRI wasn’t approved by Medicare.

Answered by Ezel McIntee on November 6, 2025

Broker Licensed in OK

Answered by Ezel McIntee Medicare Insurance Agent

Joel Gregory Craven · Answer

Medicare supplements are obligated under the terms of your contract to pay after Medicare pays to cover the gaps that’s why it is called medi gap or supplemental insurance to you have to pay your part b deductible and any copays included in your Plan N but as long as Medicare pays for the procedure generally the supplement will pick up the difference less your copays and and deductible.

Answered by Joel Gregory Craven on September 28, 2025

Broker Licensed in MS, AL, AZ & 5 other states

Answered by Joel Gregory Craven Medicare Insurance Agent

David Quintal · Answer

The MRI must be deemed medically necessary by either Medicare or your supplemental plan. You may be responsible for 20% of the original amount, as well as any applicable deductibles, until your deductible is met. Currently, the part B deductible for a Plan N is $257.00

Answered by David Quintal on June 8, 2025

Broker Licensed in NH, AL, AZ & 14 other states

Answered by David Quintal Medicare Insurance Agent

Shawn Brown · Answer

There will be some charges because with a plan N you are subject to a $257 plan b deductible, potential co-pays and potential excess doctor fees. The best thing to do is contact the facility, let them know what plan you have and have their billing/claims person give you an estimate.

Answered by Shawn Brown on March 26, 2025

Broker Licensed in FL, AL, CO & 7 other states

Answered by Shawn Brown Medicare Insurance Agent

Charles Calvin · Answer

As long as the provider accepts Medicare, and as long as Medicare approves the charges, then the procedure is covered. If the MRI is performed in a doctor’s office or ER, there is the possibility of a copay for the service. If any or all of the Part B deductible hasn’t been met yet, then you would be responsible for that amount.

Answered by Charles Calvin on February 27, 2026

Broker Licensed in MO, FL, IA, IL, KY & SC

Answered by Charles Calvin Medicare Insurance Agent

Kristine Gurley · Answer

Plan N with covers 100% for the Medically Necessary approved MRI, Medicare pays the 80% and Plan N pays the 20%.

Kirk Doris · Answer

Medicare Supplement plan N provides benefits for all Medicare approved services to include diagnostic imaging such as an MRI. Plan N covers out-patient care at 100% after the yearly Part B deductible has been met. The Part B deductible for 2025 is $257.00.

Answered by Kirk Doris on August 4, 2025

Broker Licensed in MO, FL, KS, MD & OK

Answered by Kirk Doris Medicare Insurance Agent

Philip Biggs · Answer

After you have met the Part B deductible of $283 for the year, your MRI should be covered in full by Medicare and your plan N. On a Plan N, you're only costs after the deductible is up to a $20 copay and $50 ER copay. You may also have a 15% excess charge but it is very rare.

Answered by Philip Biggs on April 13, 2026

Broker Licensed in OH, FL, IN & 8 other states

Answered by Philip Biggs Medicare Insurance Agent

Steve Houchens · Answer

Plan N is a very comprehensive plan but the best way to know for sure is to call the customer service number on the back of your card but your doctor should be able to check and see as well with no problem.

Answered by Steve Houchens on July 12, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Timothy Brown · Answer

A Medicare supplement has a $257 annual deductible for 2025. Once that deductible has been paid, Plan N will cover your MRI with no additional copay or coinsurance for outpatient services that fall under Medicare Part B.

Answered by Timothy Brown on August 21, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

DeeDee Whitlock · Answer

I find this question very sad because it tells me that your agent DID NOT go over your plan with you very well! Plan N has copays to Dr's & ER's so your MRI will not stick you with a BIG bill. I would suggest you find a local agent who takes care of your every need they get paid good money to do this

Answered by DeeDee Whitlock on September 8, 2025

Broker Licensed in LA

Answered by DeeDee Whitlock Medicare Insurance Agent

Leslie Helene Sussman · Answer

Yes generally your MRI will be covered after your Medical Deductible in 2025 of $257.00.

Juliette Chihade · Answer

Plan N covers Medicare approved diagnostic tests like MRIs at the same level as Original Medicare (Parts A and B). 
If your MRI is outpatient (most common):

Medicare Part B pays 80% of the Medicare-approved amount
You pay the remaining 20% coinsurance (Plan N does NOT cover this copay for outpatient services)
You may also have a copay of up to $50 for the emergency room visit or up to $20 for other office visits if applicable
Your Part B deductible ($257 for 2025) applies if you haven't met it yet

If your MRI is inpatient when admited to the hospital::

Plan N would cover the coinsurance and copayments after Medicare pays its share .

Cleo Martin · Answer

Yes it will be coveted. If you have not net your deductible then that part has to be paid. There is not a copay for MRI, just doctors and er. So between Medicare and the supplement, it should be covered.

Answered by Cleo Martin on August 18, 2025

Agent Licensed in SC, FL, GA, MI & NC

Answered by Cleo Martin Medicare Insurance Agent

Michael Yost · Answer

You have to pay Medicare’s deductible of $257. Once you pay that deductible, you’ll have a $20 copay for a doctor visit and a $50 copay to the ER. Your supplement will pay 100% of the remainder for the rest of the year.

Answered by Michael Yost on May 15, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Nick Sarant · Answer

Yes it is. Both wife and I have N. She’s had multiple MRIs all were covered. N is a good plan. All you’re responsible for is your Dr copay and ER copay.

Mary Salmon · Answer

If you’re on Medicare Supplement Plan N, your MRI is likely covered because Original Medicare (Part B) usually pays 80% of the cost for medically necessary MRIs, and Plan N helps with the rest. You may still have to pay a small copay (up to $20 for doctor visits or $50 for the ER if you weren’t admitted). You’ll also need to pay the Part B deductible if you haven’t met it yet for the year. As long as the MRI was medically necessary and Medicare-approved, your cost should be low.

Answered by Mary Salmon on June 26, 2025

Broker Licensed in TX & OK

Answered by Mary Salmon Medicare Insurance Agent

Don Golding · Answer

Plan N covers an MRI; however, there may be a copay involved.  Additionally, if the facility does not accept Medicare Assignment, you may be responsible for excess charges.

David Ryerson · Answer

A Plan N covers 100% of Part B coinsurance, except for copayments of up to $20 for some office visits and up to $50 for emergency room visits (if not admitted as an inpatient). Since it is a supplement and works hand-in-hand with original Medicare, assuming the MRI is covered by Medicare, the N will cover it as well. If your Part B deductible has already been met for the year, then the supplement should cover it in full.

Answered by David Ryerson on August 18, 2025

Agent Licensed in AR, KS, MO & OK

Answered by David Ryerson Medicare Insurance Agent

Celeste McGrath · Answer

Your Supplement Plan N MAY require a copay of roughly $20 (if any copay at all) but that should be it. Your Supplement is designed to pick up the 20% that Parts A & B leave behind for you shouldn't get billed for anything with it. If you do, you should reach out to your Broker to assist with talking to the insurance company and Dr office. Your Broker should be your liaison so you don't have to navigate that by yourself.

Answered by Celeste McGrath on February 23, 2026

Broker Licensed in GA, FL, NC & SC

Answered by Celeste McGrath Medicare Insurance Agent

Daintee Hurst Dietz · Answer

We must review the N benefits and confirm the facility accepts Medicare patients. From there one part b deductible is met, we will confirm any additional out of pocket that may exist.

Sagrario &quot;Sage&quot; Dyer · Answer

The plan N is an excellent plan to have. The idea is that is will pay for an MRI if Medicare approves and pays it's 80% of the bill. Remember that when you sign that form of responsibility with that provider at the time of service, there is a clause that says that if your insurance does not pay the bill, you are responsible for the entire cost.

Answered by Sagrario "Sage" Dyer on March 9, 2026

Broker Licensed in AZ, CA, CO & 10 other states

Answered by Sagrario "Sage" Dyer Medicare Insurance Agent

Cindy Clonts · Answer

On a plan N, yes, your recent MRI is covered and you're not going to get stuck with a big bill. The only difference in a plan N is that you're going to have the $20 copay when you go to the doctor, a $50 copay when you go to the ER, and you could have a 15% overage charge if your doctor does not accept Medicare assignment, but it's super easy to check that on Medicare.gov.

Julie Joyce · Answer

Once your Part B deductible is met, there should be no charge for the MRI.  On  a Plan N you should only see a bill for your PCP and at the emergency room.

Nick Morris · Answer

With Plan N, the cost of an MRI should be covered at no more than Medicare's annual Part B deductible as long as the facility you are using accepts Medicare's assigned rates. I would inquire from the facility if they accept Medicare assignment or not. Assuming they are, know what the annual Medicare deductible is and know that you should not owe more than that. If the facility does not accept Medicare assignment rates, they can legally charge you up to 15% more as excess charges and you would be responsible with paying this excess amount with a Plan N.

Answered by Nick Morris on September 22, 2025

Agent Licensed in MO, AR, AZ & 6 other states

Answered by Nick Morris Medicare Insurance Agent

Iris Olive · Answer

This is a great question, we can review the plan N benefits so that way you understand what to expect when you go to the doctor or have any procedures done.

Sandra De Fazio · Answer

Anyone who has Plan N is required to have Original Medicare Parts A & B, which cover eighty percent (80%) of medically necessary services. Plan N is a Medicare Supplement Plan that covers (pays) twenty percent (20%) of medical services approved by Original Medicare. As such, Plan N supplements Original Medicare (Parts A & B).

Answered by Sandra De Fazio on January 20, 2026

Agent Licensed in CA

Answered by Sandra De Fazio Medicare Insurance Agent

Fred Manas · Answer

Yes, your MRI is likely covered under Medicare Part B, and your Medicare Supplement Plan N will help with the costs. However, you'll need to meet the 2025 Part B deductible ($257), and Plan N will cover the 20% coinsurance. You might also have a small copay (up to $20) if the MRI is done in a doctor's office.

Answered by Fred Manas on August 18, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent

Gary Henderson · Answer

Medicare covers 20% that Medicare does not cover. If Medicare approves it then you're covered 
Primary Sources for Medicare Coverage
Medicare.gov ("What's Covered" Tool): This is the most accurate source. You can search for specific items, tests, or services to see if they are covered at Medicare.gov/coverage.

Andrew Kramer · Answer

It appears that whomever the agent was, who signed you for the N plan, did not properly explain it to you. The N plan covers everything after you pay the Part B deductible ($257 this year), plus you sometimes will pay up to a $20 co-pay for some provider visits. So yes, the N plan will cover the MRI.

Answered by Andrew Kramer on July 28, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Mike Henry · Answer

As long as there isn’t any excess charges Medicare doesn’t pay. That’s a drawback of Plan N.   May be cheaper but doesn’t cover that. That’s determined by Medicare

Todd Bostic · Answer

Your plan N only has a copayment for doctors appointments and Emergency Room visits, according to the Summary of Benefits.

Dean Chiapetto · Answer

As long as medicare approved your procedure your insurance will pay their share of the bill. You can go to Medicare.gov and check procedures.

Ben Washington · Answer

I'm on a supplemental Plan N, and I'm curious if my recent MRI is covered or if I'll get stuck with a big bill. Medicare covers MRI for medical reason, after you meet the part B deductible and 20 copay

Answered by Ben Washington on August 25, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Rich Baker · Answer

You’ll have a part B deductible of $283 (for 2026), then everything else should be covered for the remainder of the year. 

With plan N, however, Medicare excess charges are not covered. So if your state allows them (not every state does) you could be responsible for those too. Excess charges occur when a doctor or facility takes medicare patients but doesn’t accept medicare assignment. 

For example, just using simple numbers, if the facility hasn’t accepted medicare assignment, and charges $1,000, but medicare only pays $800, with plan N you would have to pay the remaining $200.

Plan G covers excess charges. This is generally why plan N has a lower premium than plan G. If your state doesn’t allow excess charges (Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont are the eight that do not) or the facility or doctor have accepted medicare assignment, you shouldn’t have any surprise bills.

Tamela Clayton · Answer

Because you’re on a Medigap Plan N, Medicare pays first for a medically‑necessary MRI, and then your Plan N usually helps with most of what’s left. 
You’re still responsible for your Part B deductible each year, plus small copays for office and ER visits, and possibly Part B ‘excess charges’ if your doctor doesn’t take Medicare assignment. 
If Medicare approves and pays its part of the MRI, you shouldn’t be stuck with the full 20 percent, but you may still see a bill. 

The imaging center can tell you more if you ask whether they accept Medicare assignment and how they billed your claim

Michelle Ryan · Answer

Rather or not you have a Supplement plan does not determine if Medicare is going to pay for it. IF it is prescribed by the doctor and is medically necessary then it will be covered by Medicare part A or B dependent on whether you are in the hospital or not. And then your Supplement plan becomes a factor and will pick up and pay what it is contracted to pay.

Answered by Michelle Ryan on November 24, 2025

Broker Licensed in GA, AL, CO & FL, NC, SC & TN

Answered by Michelle Ryan Medicare Insurance Agent

John L Herman Jr · Answer

Your PLAN N should cover the 20% of the cost of the MRI if your Doctor says it is necessary. Remember 80% of the cost of the MRI is covered by your ORIGINAL MEDICARE and your supplemental Plan helps with the other 20%. As always consult an Independent Broker for your best answers.

Answered by John L Herman Jr on March 25, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent

Roberto Alonso · Answer

Diagnostic non-laboratory tests like MRIs, are a covered and are usually a Part B expense, but the final cost and coverage will depend on where you have it performed. 

if you have the diagnostic test performed as in patient in a hospital setting, intead of an accreditted free standing facility, then there will be a Part A Deductible involved, and it will end up being more out of pocket for you. 

Check always that the test is medically necessary and that the facility is a Medicare acredited one, before having the test performed.

Your Medigap Plan N will pay the 20% coinsurance of the Part B coverage after you satisfy the Part B deductible( $257 in 2025). There should be no further out of pockets, if you dealt with providers and facilities that do accept Medicare assignment in the Medicare accredited free standing facility. No big bills involved if you first did your homework.

Alicia Tyring · Answer

Plan N covers the remaining 20% coinsurance that Medicare doesn’t pay. MRIs are billed underneath your part b coverage. You will still need to meet your annual deductible first, then the remaining charges will be covered.

Answered by Alicia Tyring on November 6, 2025

Broker Licensed in IN, AL, AR & 42 other states

Answered by Alicia Tyring Medicare Insurance Agent

Claudia Englert · Answer

With Plan N, MRI’s are covered under Medicare Part B which has a $257. deductible and then 20% coinsurance.  Also there may be a $20. Co-pay.

Abigail Turner · Answer

More than likely, your MRI was Medicare approved and covered. That said, your supplement plan N does have a couple of items you could be responsible to pay for. If you have not paid your annual Part B deductible ($257 in 2025) yet in 2025, you will likely owe that deductible and be billed for it. It's also possible you could be charged up to a $20 copay imaging services. That may have been collected at the time of your visit but if not, it's possible they could add that copay to your bill as well. Beyond that, unless the MRI provider does not accept Medicare assignment (meaning takes Original Medicare Parts A and B and agrees to their pay schedule), that should be all you would owe. If the provider does NOT accept Medicare assignment, you could be charged up to 15% more than the Medicare approved rate and be responsible for that 15% upcharge.

Answered by Abigail Turner on July 14, 2025

Broker Licensed in KS, AR, AZ & 13 other states

Answered by Abigail Turner Medicare Insurance Agent

Al Saponar · Answer

It should be.

Plan N has copays for Dr visits up to $20 and ER up to $50.

But, should cover an MRI, after Medicare pays first.

Thermon Holliday · Answer

You are covered, however, you will have a co-payment to satisfy.  Plan N, has clearly structured benefits.  Ask an agent for clarifications regarding Medicare Supplement Insurance Plans.

Samantha Jones · Answer

Plan n usually makes you pay certain copayments to doctor's appointments and using emergency room visits

Calvin Fritz · Answer

The short answer is yes, you will be covered—however, there are a few important conditions you'll want to be aware of.


Original Medicare (Part B) pays 80% of the approved cost. Plan N typically covers the remaining 20% coinsurance, except:

You may have to pay a copay of up to $20 for a doctor visit or $50 for an emergency room visit (if not admitted).

You are responsible for the Part B deductible (which is $257 in 2025).

Plan N does not cover Part B excess charges, which occur if a provider doesn’t accept Medicare assignment and bills up to 15% more. (Most providers do accept assignment, so this is often avoidable.)

Mindy Kay · Answer

If you have Original Medicare + Medigap Plan N, an MRI is usually covered — as long as it is medically necessary and ordered by your doctor.

How the costs typically work:

✅ Medicare Part B generally covers about 80% of the approved amount for diagnostic imaging like MRIs after you meet the annual Part B deductible.
✅ Plan N usually pays the remaining 20% coinsurance, which significantly reduces your exposure.

What you may still pay:

The Part B deductible (if you haven’t met it yet this year)

Up to a $20 office visit copay if the MRI was ordered during a doctor visit

Up to a $50 ER copay if it was related to an emergency visit

Any excess charges if the provider does not accept Medicare assignment (less common, but important to confirm)

📌 Key Insight: With Plan N, large surprise bills for covered imaging are uncommon — your plan is designed to protect against major outpatient expenses.

Smart move: Call the imaging center and ask two questions:

Do you accept Medicare assignment?

Will this MRI be billed as Medicare-approved?

Christopher DiBiase · Answer

Plan N will cover your MRI at $0 cost. You will have a $20 copay for the doctors office and pay the deductible($257-2025) if it has not been satisfied at that point.

Edward Cavelli · Answer

Medicare members on a Plan N supplement only have copays for doctors visits ($20) and ER visits ($50 (if not admitted). All plan N clients also have the Part B deductible if $257 (2025) they are responsible for. 

Thus they will not receive a bill for the MRI

Tracy Brown · Answer

MRIs are typically covered under Part B if medically necessary and when ordered by a doctor.
So what do you owe? First, you pay the annual deductible. ($257 in 2025) A medically necessary MRI, with Plan N, has a $20 copay.  The total would be $20 or $277.  Legally I need to explain the possibility of paying Part B excess charges. Some providers charge up to 15% more than Medicare’s rate if they don’t accept Medicare.  Always ask your provider if they “accept Medicare”, first.  Personal note: since 2015 I haven't had a client pay part B excess charges.  These are very rare.

Rudo Loock · Answer

As long as Medicare approves the MRI, plan N should cover most of the costs. Medicare part B must consider the MRI medically necessary. If it does, Part B pays 80% and plan N will pay the remai 20%.

Stacia Huyler · Answer

Part B typically pays 80% of the Medicare approved amount after you meet annual $283 Part B medical deductible. Plan N would then cover 100% of the cost.

James Riddick · Answer

If you have met your deductible for the year then you will not get a bill, however if you have not then you will get the remaining balance of the deductible.