Aaron, I’m glad you clarified the misunderstanding from last week’s column regarding medical underwriting for Medicare Supplement Plan N. Also, plan N allows for the billing of Excess Charges (limited to 15%) by those providers who don’t accept Medicare Assignment. Pennsylvania is one of several states that prohibit Excess Charges. However, neighboring states where some residents may receive medical care do not have these same prohibitions. Cleveland Clinic comes to mind as well as Johns Hopkins and West Virginia University Medical Center (Ruby Memorial) as facilities where local residents might go for medical care. While it’s highly unlikely that medical providers in these states and facilities don’t accept Medicare assignment, anyone from SW PA considering plan N who does receive medical care from out of state providers should do their due diligence to ensure their providers accept Medicare Assignment.