Medicare Supplement Plan N

Strong coverage, lower premium, small copays. Compare Plan N free at 1-800-MEDIGAP.

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Quick answer

Medicare Supplement Plan N offers comprehensive coverage at a lower premium than Plan G, in exchange for small copays (up to $20 for office visits, up to $50 for ER) and not covering Part B excess charges. It's popular among value-conscious enrollees who don't mind modest cost-sharing, per Medigap plan data.

Plan N delivers robust Medigap coverage for a lower premium, with small copays as the trade-off. Here's how it compares.

What does Plan N cover?

Plan N covers the Part A hospital deductible and coinsurance, the 20% Part B coinsurance (with small copays), skilled nursing facility coinsurance, the first three pints of blood, hospice coinsurance, and 80% of foreign travel emergencies up to plan limits. After you meet the annual Part B deductible, Plan N pays your coinsurance, except you pay a copay of up to $20 for office visits and up to $50 for emergency room visits that don't lead to admission. Plan N does not cover Part B excess charges. The lower premium plus small copays make it a strong value. Call 1-800-MEDIGAP (1-800-633-4427) to compare.

Plan N vs Plan G: which is better?

Plan G has a higher premium but no copays and covers Part B excess charges; Plan N has a lower premium but charges small copays and doesn't cover excess charges. If you see doctors frequently, Plan G's no-copay structure may save money overall. If you're relatively healthy and want a lower premium, Plan N often comes out ahead. Excess charges are rare in many states and banned in some, which narrows the gap further. The right pick depends on your usage and local provider billing. A licensed agent at 1-800-MEDIGAP can run the math for your situation free.

More on Medicare Supplement / Medigap

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Frequently asked questions

How much are Plan N copays?+

Plan N charges a copay of up to $20 for office visits and up to $50 for emergency room visits that don't result in admission. There are no copays for hospital stays. These small copays are the trade-off for Plan N's lower monthly premium compared to Plan G.

Does Plan N cover the Part B deductible?+

No. Like Plan G, Plan N does not cover the annual Part B deductible. You pay that deductible once per year, after which Plan N covers your Part B coinsurance, minus the small office and ER copays. Call 1-800-MEDIGAP to compare plans.

Does Plan N cover Part B excess charges?+

No. Plan N does not cover Part B excess charges, the extra amount a non-participating provider can bill above the Medicare-approved rate. Plan G does cover them. Excess charges are rare in many areas and banned in some states, which limits the impact.

Is Plan N cheaper than Plan G?+

Plan N typically has a lower monthly premium than Plan G, but you pay small copays and the Part B deductible. Whether it's cheaper overall depends on how often you use care. Call 1-800-MEDIGAP to compare both plans side by side for free.

Who should choose Plan N?+

Plan N is a good fit for relatively healthy enrollees who want comprehensive coverage at a lower premium and don't mind small copays. It works best where Part B excess charges are uncommon or banned. Our agents can confirm whether Plan N suits your area, call 1-800-MEDIGAP.

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