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.
Answered by 6 licensed agents
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
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
Yes generally your MRI will be covered after your Medical Deductible in 2025 of $257.00.
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.
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.
Answered by Julie Joyce on March 25, 2025
Agent Licensed in PA, CT, DE & 9 other states
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
Answered by Edward Cavelli on March 26, 2025
Agent Licensed in FL, OH, PA, TX, VA & WV
Tags:
Coverage
Medicare Supplement
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