Medicare Supplement
Medigap Plan N
Lower premiums in exchange for small copays at the point of care
Plan N covers many of the same standardized benefits as Plan G, but you may pay small copayments for some office and emergency department visits, and Part B excess charges are not covered.
Eligibility: Available to people newly eligible for Medicare on or after January 1, 2020.
What Plan N helps cover
- Part A coinsurance and hospital costs up to an additional 365 days
- Part A deductible
- Part A hospice care coinsurance or copayment
- Part B coinsurance (except the copays noted below)
- First three pints of blood
- Skilled nursing facility care coinsurance
- Foreign travel emergency care (up to plan limits)
What you still pay
- The annual Part B deductible
- Up to a set copayment for some office visits
- Up to a set copayment for some emergency department visits that do not result in admission
- Part B excess charges, where a provider is permitted to bill them
Who tends to consider Plan N
People comfortable with modest copays who prefer a lower monthly premium than Plan G typically carries.
This page is educational. Benefits are standardized where applicable, but premiums and underwriting rules vary by carrier and state. A licensed agent can review how the plan letter applies to your circumstances.