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.
Plan N
Understand Medicare Supplement Plan N
Get the free Plan N Guide, how it works, what you still pay, and the questions to ask before applying.
2-minute tool
Medicare Supplement Fit Check
Seven quick questions that help you understand which Medigap topics matter most for your situation. Educational only, not a recommendation.
This page provides general educational information and is not a recommendation or guarantee of eligibility, approval, coverage, or premium. Medigap availability, premiums, underwriting, and enrollment rights can vary by state, carrier, and individual circumstances and are subject to applicable rules. Gilbert Services Southwest is not affiliated with or endorsed by Medicare, CMS, or the federal government. This is a solicitation for insurance.