top of page

Medicare Supplement Plan N

Medicare Supplement Plan N is one of the standardized Medicare Supplements plans available in 47 states of the United States, except in Massachusetts, Minnesota, and Wisconsin. In other words, the Plan N that’s offered in one state provides the same coverage as the Plan N that’s offered in another state, regardless of the carrier. However, if you’re living in any of the three states mentioned above, you will have to buy a different form of coverage as they do not offer this plan.


Medicare Supplement Plan N is a budget-friendly Medigap plan. It is similar to Plan G but can be considered Plan G’s step-down option. This is because it offers the same benefits as Plan G but has potentially more out-of-pocket costs.

What Does Medicare Supplement Plan N Cover?

Medicare Supplement Plan N covers the following: 

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up 

  • Medicare Part A hospice care coinsurance or copayment

  • Medicare Part A deductible

  • Medicare Part B coinsurance, except for a copayment of $20 for office visits and a $50 copayment for emergency room (ER) visits that do not result in hospitalization.

  • The first three pints of blood used in a procedure

  • 80% of foreign travel emergency medical costs 

  • Skilled nursing facility care coinsurance

  • Medicare preventive care Part coinsurance


However, enrollees in Medicare Supplement Plan N are responsible for the following expenses: 

  • Part B deductible

  • Part B excess charge

  • Part of the copayments for doctor and emergency room (ER) visits that are not covered by Medicare Part B.

Screenshot 2023-02-22 112123.png
Social Media Kit 2.jpg

Who Can Benefit From Medicare Supplement Plan N?

Medicare Supplement Part N is a good option for people who:

  • Want a lower monthly premium

  • Want significant coverage

  • Do not frequently visit the doctor or the hospital

  • Are not bothered about excess charges

  • Do not mind small copayments

Top 5 Medicare Mistakes to Avoid

Avoid Common Pitfalls People Make

How Much Does Medicare Supplements Plan N Cost?

The average cost of Medigap Plan N can range from $90 and $120, although it can be as high as $200 in some states and as low as $80 in other states. Rates are determined by age, gender, location, pricing method, and, sometimes, present medical history. 


With Medigap Plan N, you pay copays for some medical services: $20 for each doctor visit and $50 for each emergency room (ER) visit that doesn’t result in inpatient admission.

When Can I Enroll In Medicare Supplement Plan N?

The ideal time to enroll for Medigap is within 6 months of your Medicare Part B effective date. Starting from the month you turn 65 (if you are enrolled in Original Medicare or Medicare Part B), you have a six-month open enrollment period.


Once this period closes, it cannot be repeated or shifted. Also, you may or  may not be able to enroll in a Medigap plan. Outside of your one time Medigap Open enrollment window you will have to medically qualify for the coverage. An insurance company can charge you more for the same coverage or deny you coverage

Top 5 Medicare Mistakes to Avoid! 

Medicare is complicated and making the wrong decision can be costly. We have put together a FREE resource guide covering the Top 5 Medicare mistakes and how to avoid them. Here is what you will learn in this educational resource: 


  • Proven Steps to Achieve Medicare Success

  • How To Avoid Costly Mistakes & Lifetime Penalties

  • Discover What Insurance Companies Aren't Telling You

  • And More…


Don’t leave your health coverage in retirement to chance. Download this FREE resource today!"

Our personalized expert guidance is FREE of charge so that you can save time and money! And even better, when you take care of your Medicare plan enrollment with us, we make a donation to Operation Underground Railroad, which is pioneering the fight against Human Sex Trafficking.

The Your Local Medicare

Help Save the Children Fund

For every person we help enroll into a Medicare plan we donate to this fund.


Top 5 Medicare Mistakes to Avoid

Avoid Common Pitfalls People Make

Social Media Kit 2.jpg
bottom of page