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Medicare Supplement Plan N

Plan N

Highlights

Medicare Supplement Plan N is a good Medigap option for healthy people looking to save on their monthly plan premium.

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Medigap Plan N highlights:

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  • Lower monthly premiums than Plans F and G

  • An excellent option for people in good health

  • Use with any doctor that accepts Medicare

  • $240 annual deductible (in 2024)

  • Does not cover Part B excess charges

  • $20 copayment for doctor visits

  • $50 copayment for ER visits

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Comparison of Popular Medigap Plans

Basic benefits*, including 100%

Part B coinsurance

Part A deductible

Part B deductible

100% Part B excess charges

$0 plan deductible

Plan G

$240 Part B deductible

Plan N

$20 copayment for office visit; $50 copayment for ER

$240 Part B deductible

Not covered

Plan HDG

(after deductible)

$240 Part B deductible

$2483 annual plan deductible

*Basic benefits: 

  • Hospitalization: Part A coinsurance plus 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. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

UntedHealhcare Medicare Solutions
Cigna Medicare Plans
Transamerica Premier Life Inurance Company
Mutual of Omaha Medicare Plans
Aetna Medicare Plans
United American Insurance Company

How Much Does Medigap

Plan N Cost?

What Does Medigap

Plan N Cover?

Medicare Supplement Plan N enrollees must pay a $20 copayment for doctor visits and a $50 copayment for visits to the emergency room. Otherwise it is identical to Plan G except it does not cover Medicare Part B excess charges. Part B excess charges occur when a provider does not accept Medicare assignment for a procedure, therefore charging more than Medicare allows. 

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Plan N covers:

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

  • Medical Expenses: after Part B deductible, plan pays balance after Original Medicare's 20%, other than $20 copays for doctor visits and $50 copays for ER visits

  • Blood: First 3 pints of blood each year.

  • Hospice: Part A coinsurance.

  • Skilled Nursing Facility Care: up to 100 days of skilled nursing facility care.

  • Does not Cover Part B Excess Charges.

  • Foreign Travel Medical Services: after a $250 deductible during the first 60 days, Plan N pays 80% of the remainder of charges up to a lifetime maximum of $50,000.

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Printable Full Description of

Plan N Coverage

Should You Choose Medigap Plan N?

Medicare Supplement Plan N is an appealing option for people in good health. Plan N premiums are lower than Plans F and G. This savings in premium can often offset the $20 copayment for doctor visits. While Plan N does not pay for Part B excess charges, most doctors accept Medicare assignment, meaning there is no excess charge.  

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There are a few reasons you might choose Plan N:

  • Lower premiums. Plan N has lower premiums than Plans F and G. If the annual premium savings with Plan N exceeds your estimated copays for doctor visits, then it might make financial sense to choose Plan N.

  • Your doctor accepts Medicare assignment. A potential drawback of Plan N is that it does not pay for Medicare Part B excess charges. If the doctors you see accept Medicare assignment, then Part B excess charges are less of a concern. You can call your doctor to confirm that they accept Medicare assignment, but we recommend double-checking on Medicare.gov.

Medigap Plan N Topics

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