Medicare Supplement Plan N helps cover out-of-pocket costs from Medicare Part A and B, including hospital stays, skilled nursing, and blood transfusions, but excludes the Part B deductible and excess charges. Monthly premiums range from $109 to $183 for a 65-year-old non-smoker in California. Enrollment is best during the six-month Medigap open enrollment to avoid higher costs or denial due to health. It does not cover dental, vision, hearing aids, or long-term care.
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