Medicare Supplement Plan N
What Medigap Plan N covers, how its copays work and how it compares with Plan G
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Medicare Supplement Plan N, also called Medigap Plan N, covers most of the costs Original Medicare leaves you in exchange for small copays. It pays 100% of the Part A deductible, Part A hospital coinsurance, skilled nursing coinsurance, blood and hospice cost sharing, plus Part B coinsurance except for copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission. It does not pay the Part B deductible or Part B excess charges.
Reviewed by Charles “Chuck” Lunsford, Life & Health insurance agent licensed in Florida since 1994 and in Alabama (NPN 553216).
Plan N at a Glance
| Feature | Medicare Supplement Plan N |
|---|---|
| Part A hospital coinsurance and 365 extra hospital days | Covered at 100% |
| Part A hospital deductible | Covered at 100% |
| Skilled nursing facility coinsurance | Covered at 100% |
| Part B coinsurance or copayment | Covered at 100%, except copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission |
| First three pints of blood | Covered at 100% |
| Part A hospice coinsurance or copayment | Covered at 100% |
| Foreign travel emergency care | 80% up to plan limits |
| Part B deductible | Not covered. $283 per year in 2026 |
| Part B excess charges | Not covered |
| Annual out-of-pocket limit | None |
| Restriction based on when you became eligible for Medicare | None |
Dollar amounts on this page are the 2026 Medicare figures published by CMS. They change each year.
Plan N covers the same benefits as Plan G except Part B excess charges, and it adds small copays for some office and emergency room visits. In exchange, Plan N premiums are often lower than Plan G premiums.
Like every Medigap policy, Plan N works alongside Original Medicare and is sold by private insurance companies. Benefits are standardized, so Plan N from one carrier covers the same things as Plan N from another.
How Plan N Copays Work
After you meet the yearly Part B deductible, Plan N pays the Part B coinsurance for most services in full. The exceptions are:
- Office visits: You may pay up to $20 for some visits to a doctor’s office.
- Emergency room visits: You may pay up to $50 for an emergency room visit. The copay is waived if you are admitted to the hospital as an inpatient.
The actual copay depends on the visit and can be less than these amounts. Plan N pays the rest of the Part B coinsurance on these visits.
What Does Medicare Supplement Plan N Cover?
Plan N pays seven of the standard Medigap benefits in full or in part.
| Benefit | What Original Medicare leaves you owing | What Plan N pays |
|---|---|---|
| Part A hospital coinsurance | A daily charge for hospital days 61 to 90 ($434 in 2026) and for lifetime reserve days ($868 in 2026) | 100%, plus Medicare-eligible hospital costs for up to 365 additional days over your lifetime |
| Part A hospital deductible | $1,736 for each benefit period in 2026 | 100% |
| Skilled nursing facility coinsurance | $217 per day for days 21 to 100 of a covered stay in 2026 | 100% |
| Part B coinsurance or copayment | Generally 20% of the Medicare-approved amount for doctor visits, outpatient care and durable medical equipment | 100% after you meet the Part B deductible, except the office and emergency room copays |
| Blood | The first three pints in a calendar year | 100% |
| Part A hospice care | Copayments for outpatient drugs and coinsurance for inpatient respite care | 100% |
| Foreign travel emergency | Emergency care during the first 60 days of a trip outside the United States, which Original Medicare generally does not cover | 80% after a $250 yearly deductible, up to a $50,000 lifetime limit |
What Doesn’t Plan N Cover?
Plan N does not cover the Part B deductible, Part B excess charges or the office and emergency room copays.
- Part B deductible: You pay the first $283 of Medicare-approved Part B costs each year in 2026.
- Excess charges: A provider who does not accept Medicare assignment may bill up to 15% above the Medicare-approved amount. Plan N does not pay the difference, so asking whether a provider accepts assignment matters with this plan.
- Copays: Up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission.
Like all Medigap plans, Plan N does not cover prescription drugs, dental care, vision care, hearing aids or long-term custodial care. Drug coverage comes from a separate Medicare Part D plan.
What Could You Pay With Plan N?
With Plan N you pay the monthly premium, the Part B deductible and any copays or excess charges.
| Cost you keep | When it applies | 2026 amount |
|---|---|---|
| Part B deductible | Once per calendar year | $283 |
| Office visit copay | Some visits to a doctor’s office | Up to $20 per visit |
| Emergency room copay | Emergency room visits that do not lead to admission | Up to $50 per visit |
| Part B excess charges | Only when a provider does not accept assignment | Up to 15% above the Medicare-approved amount |
| Foreign travel emergency | Care during the first 60 days of a trip abroad | $250 deductible plus 20% of the cost, and anything above the $50,000 lifetime limit |
Plan N pays the full Part A deductible and hospital coinsurance, so an inpatient hospital stay adds no Part A cost sharing. Your yearly costs depend mostly on how often you see the doctor and whether your providers accept Medicare assignment. Plan N has no out-of-pocket limit.
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What Does Plan N Cost?
Plan N premiums are often lower than Plan G premiums because you pay small copays and any excess charges. What you pay depends on the carrier and on factors such as:
- Your age
- Your ZIP code
- Tobacco use
- Your sex
- How the carrier prices its policies (attained-age, issue-age or community-rated)
- Household or other discounts the carrier offers
Plan N vs Plan G: Plan G pays Part B excess charges and has no office or emergency room copays. Otherwise the two plans cover the same benefits. The difference to weigh is the premium gap against how often you see the doctor and whether your providers accept Medicare assignment.
Plan N vs High-Deductible Plan G: High-Deductible Plan G pays nothing until you meet a $2,950 deductible in 2026, then pays like Plan G. Plan N starts paying after the $283 Part B deductible, with copays on some visits.
Plan N vs Plan K or L: Plans K and L share most costs with you at 50% or 75% and have an out-of-pocket limit. Plan N pays most costs in full but has no out-of-pocket limit.
Comparing Plan N with Plan G using real quotes for your ZIP code is the best way to see whether the premium savings are worth the copays.
This page does not list Plan N premium ranges. Premiums change often and vary by carrier, so the only reliable number is a current quote.
Who Might Consider Plan N?
Plan N can make sense for people who want most Medicare costs covered and are comfortable with small copays in exchange for a lower premium. It may fit if you:
- See the doctor a few times a year rather than every week
- Use doctors and hospitals that accept Medicare assignment, so excess charges are unlikely
- Want hospital stays covered without a Part A deductible
- Travel outside the United States and want foreign travel emergency coverage
- Want to keep Original Medicare and see any doctor or hospital in the United States that accepts Medicare
Plan N may be a weaker fit if you see doctors very often, since the copays add up, or if you regularly use providers who do not accept Medicare assignment.
Switching to a plan with more coverage later is not always possible. Outside your Medigap open enrollment period and situations with guaranteed issue rights, carriers in most states can use medical underwriting and may decline your application or charge more.
How Does Plan N Compare With Other Plans?
| Benefit | Plan N | Plan G | High-Deductible G | Plan L |
|---|---|---|---|---|
| Part A hospital coinsurance | 100% | 100% | 100% after deductible | 100% |
| Part A deductible | 100% | 100% | 100% after deductible | 75% |
| Part B coinsurance | 100% except copays up to $20 and $50 | 100% | 100% after deductible | 75% |
| Skilled nursing coinsurance | 100% | 100% | 100% after deductible | 75% |
| Part B deductible | No | No | No | No |
| Part B excess charges | No | 100% | 100% after deductible | No |
| Foreign travel emergency | 80% up to plan limits | 80% up to plan limits | 80% up to plan limits after deductible | No |
| Plan deductible or limit in 2026 | None | None | $2,950 deductible | $4,000 out-of-pocket limit |
Plan N and Plan G are the two plans people new to Medicare compare most often. The choice usually comes down to the premium difference against copays and excess charges.
How to Enroll in Plan N
- Enroll in Medicare Part A and Part B. You need both to buy a Medigap policy.
- Know your open enrollment period. Your six-month Medigap open enrollment period starts the month you are 65 or older and enrolled in Part B. During it, carriers cannot deny you or charge more because of your health.
- Compare carriers. Plan N benefits are the same from every carrier, so compare premiums, pricing method and rate increase history.
- Add Part D drug coverage. Medigap does not cover prescriptions, so pair Plan N with a Part D plan.
- Apply and set your start date. Ask about the earliest effective date so there is no gap in coverage.
Rules for people under 65 vary by state. Some states require carriers to offer Medicare Supplement coverage to people who qualify for Medicare through disability or end-stage renal disease, often with an open enrollment period. Ask what applies where you live.
Medicare Supplement Plan N FAQs
What does Medicare Supplement Plan N cover?
Plan N pays 100% of the Part A deductible, Part A hospital coinsurance plus up to 365 extra hospital days, skilled nursing coinsurance, blood and hospice cost sharing. It pays Part B coinsurance except for small copays and covers 80% of foreign travel emergencies up to plan limits.
What are the Plan N copays?
You may pay up to $20 for some office visits and up to $50 for emergency room visits that do not lead to inpatient admission. The actual copay can be less.
Does Plan N cover the Part B deductible?
No. You pay the Part B deductible yourself, which is $283 in 2026.
Does Plan N cover Part B excess charges?
No. If a provider does not accept Medicare assignment and bills up to 15% above the Medicare-approved amount, you pay the difference.
Does Plan N cover emergencies outside the United States?
Yes. Plan N pays 80% of emergency care during the first 60 days of a trip abroad after a $250 yearly deductible, up to a $50,000 lifetime limit.
What is the difference between Plan N and Plan G?
Plan G pays Part B excess charges and has no office or emergency room copays. Plan N does not pay excess charges and has copays of up to $20 and $50. Plan N premiums are often lower.
Does Plan N have an out-of-pocket limit?
No. Only Plans K and L have an out-of-pocket limit. Plan N’s cost sharing is limited to the Part B deductible, copays and any excess charges.
Does Plan N cover prescription drugs?
No. Medigap plans sold today do not cover outpatient prescription drugs. You can join a separate Medicare Part D plan for drug coverage.
Can I use Plan N with any doctor?
Yes. Plan N works with any doctor or hospital in the United States that accepts Medicare. It has no provider network.
Compare Plan N for Your ZIP Code
Plan N benefits are the same from every carrier, but premiums and rate increase history are not. A side-by-side comparison of Plan N and Plan G for your ZIP code shows whether the premium savings are worth the copays and excess charge risk for you.
Start with our Medicare Supplement plan comparison or request a Plan N comparison below.
Have questions about Medicare Supplement Plan N? Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Learn more at the Centers for Medicare & Medicaid Services.
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216