Medicare Plan N

InessaG960679 — Mon, 20 Apr 2026 18:01:01 GMT

Has anyone enrolled in Plan N ever been charged the 15% medicare excess charge?

Re: Medicare Plan N

GailL1 — Mon, 20 Apr 2026 20:54:53 GMT

The ONLY time a beneficiary would encounter them (and it is rare) is if the provider did not accept Medicare Assignment and they are deemed “non-participating” by Medicare.

This Medicare link describes the “non-participating” providers as well as what it means to be a provider that accepts assignment and the ones that work only on a contract basis and thus does NOT accept Medicare at all.

Medicare.gov - Does your provider accept Medicare as full payment?

“NON-PARTICIPATING” Providers

From the link: [copy/paste]

Using a provider that doesn't accept Medicare as full payment

Some doctors, health care providers, and suppliers who don’t accept assignment still choose to accept the Medicare-approved amount for services on a case-by-case basis. These providers are called "non-participating."

If your doctor, provider, or supplier doesn't accept assignment:

You might have to pay the full amount at the time of service.
They should submit a claim to Medicare for any Medicare-covered services they give you, and they can’t charge you for submitting a claim. If they refuse to submit a Medicare claim, you can submit your own claim to Medicare. Get the Medicare claim form.
They can charge you more than the Medicare-approved amount. In many cases, the charge can't be more than 15% above the Medicare-approved amount for non-participating healthcare providers. This amount is called "the limiting charge."

end copy/paste - there is more at the link ~

It may also be worth mentioning that some states have outlawed the practice of excess charges for Medicare in their state. Last I checked (in mid 2025) these states were: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

topic Medicare Plan N in Medicare & Insurance

Medicare Plan N

Re: Medicare Plan N

Using a provider that doesn't accept Medicare as full payment