Plan N

Plan N covers skilled nursing facility care, Medicare Part A deductible and foreign travel emergency services in addition to basic benefits. There is a $20 copayment for office visits and $50 copayment for emergency room visits.

Guaranteed Renewable

As long as you make premium payments on time, do not file claims with false or misleading information, and maintain your annual membership dues, you'll have the security of our Medicare Supplement coverage as long as you want it.

Thirty Day Free Look Period

If you are not 100 percent satisfied with your Farm Bureau Health Plans Medicare Supplement, return the EOC to us within 30 days after you receive it and we will refund any payments you have made (less any benefits provided).

About the Plan

Perhaps you are like some KansasFarm Bureau members who are willing to make reasonable copayments for some health care services in exchange for lower monthly rates for supplement coverage. Medicare Supplement Plan N might suit your needs. It is similar to Plan D with a copayment exception and it still covers most of the gaps not paid by Medicare.

Hospitalization Medical Expenses Blood Hospice

Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services.

First three pints of blood each year.

Part A coinsurance

* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the Plan stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

Hospitalization* Medicare Pays Plan Pays You Pay
Semiprivate room and board, general nursing and miscellaneous services and supplies      
First 60 Days All but $1,364 $1,364 (Part A deductible) $0
61st thru 90th day All but $341 a day $341 a day $0
91st day and after: -While using 60 lifetime reserve days All but $682 a day $682 a day $0
Once lifetime reserve days are used: -Additional 365 days $0 100% of Medicare eligible expenses $0**
-Beyond additional 365 days $0 $0 All costs
Skilled Nursing Facility Care* Medicare Pays Plan Pays You Pay
You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare approved facility within 30 days after leaving hospital      
First 20 days All approved amounts $0 $0
21st thru 100th day All but $170.50 a day Up to $170.50 a day $0
101st day and after $0 $0 All costs
Blood Medicare Pays Plan Pays You Pay
First 3 pints $0 3 pints $0
Additional amounts 100% $0 $0
Hospice Care Medicare Pays Plan Pays You Pay
You must meet Medicare’s requirements, including a doctor’s certification of terminal illness All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance $0

* Once you have been billed $198 of Medicare approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

Medical Expenses Medicare Pays Plan Pays You Pay
IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment      
First $183 of Medicare Approved Amounts* $0 $0 $198 (Part B deductible)
Remainder of Medicare Approved Amounts Generally 80% Balance, other than up to $20 per office visit and up to $50 per ER visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. Up to $20 per office visit and up to $50 per ER visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
Part B Excess Charges Medicare Pays Plan Pays You Pay
(ABOVE MEDICARE APPROVED AMOUNTS) $0 $0 All costs
Blood Medicare Pays Plan Pays You Pay
First 3 pints $0 All costs $0
Next $185 of Medicare Approved Amounts* $0 $0 $198 (Part B deductible)
Remainder of Medicare Approved Amounts 80% 20% $0
Clinical Laboratory Services Medicare Pays Plan Pays You Pay
Tests For Diagnostic Services 100% $0 $0
Home Healthcare Medicare Pays Plan Pays You Pay
MEDICARE APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0
Durable medical equipment - first $185 of Medicare Approved Amounts* $0 $0 $198 (Part B deductible)
Remainder of Medicare Approved Amounts 80% 20% $0
Foreign Travel Medicare Pays Plan Pays You Pay
NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during first 60 days of each trip outside US      
First $250 each calendar year $0 $0 $250
Remainder of Charges $0 80% to a lifetime maximum benefit of $50,000 20% and amounts over $50,000 lifetime maximum