Medicare Supplement Plan N

Plan N is for those who are willing to make reasonable copayments for some health care services in exchange for a lower monthly rate for supplement coverage. It is similar to Plan D, with a copayment exception. Plan N still covers most of the gaps not paid by Medicare.

Home Plan N

Medicare Supplement Plan N

Guaranteed Renewable

As long as you make premium payments on time and do not file claims with false or misleading information you’ll have the security of our Medicare Supplement.

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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 gladly refund any payments you have made (less any benefits provided.)

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Basic Benefits
Hospital Services
Medical Services
2026 Parts A & B
Other Benefits

Basic Benefits

Hospitalization

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

Medical Expenses

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

Blood

First three pints of blood each year

Hospice

Part A coinsurance

Hospital Services

2026 Medicare Part A – Per Benefit Period

Hospitalization^*

Semiprivate room and board, general nursing and miscellaneous services and supplies

	Medicare Pays	Plan N Pays	You Pay
First 60 Days	All but $1736	$1736	$0
61st thru 90th day	All but $434 a day	$434 a day	$0
91st day and after: -While using 60 lifetime reserve days	All but $868 a day	$868 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

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

	Medicare Pays	Plan N Pays	You Pay
First 20 days	All approved amounts	$0	$0
21st thru 100th day	All but $217 a day	Up to $217 a day	$0
101st day and after	$0	$0	All costs

Blood

	Medicare Pays	Plan N Pays	You Pay
First 3 pints	$0	3 pints	$0
Additional amounts	100%	$0	$0

Hospice Care

	Medicare Pays	Plan N 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

^* 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 insurer 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.

Medical Services

2026 Medicare Part B – Per Calendar Year

Medical Expenses

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

	Medicare Pays	Plan N Pays	You Pay
First $283 of Medicare Approved Amounts*	$0	$0	$283
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 N Pays	You Pay
Above Medicare Approved Amounts	$0	$0	All costs

Blood

	Medicare Pays	Plan N Pays	You Pay
First 3 pints	$0	All costs	$0
Next $283 of Medicare Approved Amounts*	$0	$0	$283
Remainder of Medicare Approved Amounts	80%	20%	$0

Clinical Laboratory Services

	Medicare Pays	Plan N Pays	You Pay
Tests For Diagnostic Services	100%	$0	$0

^* Once you have been billed $283 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.

2026 Parts A & B

Home Healthcare

Medicare Approved Services

	Medicare Pays	Plan N Pays	You Pay
Medically necessary skilled care services and medical supplies	100%	$0	$0
Durable Medical Equipment	$0	$0	$283
Remainder of Medicare Approved Amounts	80%	20%	$0

Other Benefits – Not Covered by Medicare

Foreign Travel – Not Covered by Medicare

Medically necessary emergency care services beginning during fist 60 days of each trip outside US

	Medicare Pays	Plan N Pays	You Pay
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

Download 2026 Outline of Coverage

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