What are the copays for Medigap Plan N?

With Plan N, you may pay a copayment of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission.

Does Plan N cover the Part A deductible?

Yes, Medigap Plan N covers 100% of the Medicare Part A hospital deductible.

Does Plan N cover Part B excess charges?

No, Plan N does not cover Part B excess charges. However, these charges are rare and only occur if a provider does not accept Medicare assignment.

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Medigap Plan N: The Strategic Choice for Lower Premiums

If you are looking for a Medicare Supplement plan that balances robust coverage with affordable monthly costs, Medigap Plan N is often the most cost-effective solution.

Plan N At a Glance

Plan N covers all the "big" gaps in Medicare, including the hospital deductible. In exchange for lower premiums, you agree to small cost-sharing for minor visits.

Part A Deductible: 100% Covered
Part B Coinsurance: 100% Covered*
Skilled Nursing: 100% Covered
Hospice Care: 100% Covered
Foreign Travel: 80% Covered
Blood (3 pints): 100% Covered

*Small copays apply to office and ER visits.

How Plan N Saves You Money

The primary reason beneficiaries choose Plan N over the "full coverage" Plan G is the premium savings. On average, Plan N premiums can be 20% to 30% lower than Plan G. For many healthy seniors, the annual savings on premiums far outweigh the occasional $20 copay.

Understanding the Copayments

Plan N involves a unique cost-sharing structure that keeps monthly rates stable:

Doctor Visits: You pay a copay of up to $20 (only after the annual Part B deductible is met).
Emergency Room: You pay a copay of up to $50. However, if you are admitted to the hospital, this copay is waived.

Plan N vs. Plan G: The Key Differences

Coverage Feature	Medigap Plan N	Medigap Plan G
Part B Excess Charges	Not Covered	100% Covered
Office Visit Copays	Up to $20	$0
Monthly Premium	Lower / Budget-Friendly	Higher / Premium

What About Part B Excess Charges?

One common concern with Plan N is that it doesn't cover "Excess Charges." An excess charge occurs if a doctor charges more than the Medicare-approved amount. However, over 95% of doctors nationwide accept Medicare "assignment," meaning they agree to Medicare’s rates. If your doctors accept assignment, you will never encounter an excess charge.

Who Should Choose Plan N?

Plan N is an ideal fit if you:

Want to save money on monthly premiums.
Do not visit the doctor more than once a month.
Live in a state where Part B Excess Charges are prohibited (such as CT, MA, MN, NY, OH, PA, RI, or VT).
Want a Medigap plan that historically sees smaller annual rate increases than Plan G or Plan F.

Plan N Common Questions

Does Plan N cover prescriptions?

No. Like all Medigap plans, Plan N does not cover outpatient prescription drugs. You should pair Plan N with a standalone Medicare Part D drug plan.