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Medicare · Medigap Plan N

Medigap Plan N

One of the lowest-premium supplements available. You share a little more of the cost, small copays and the Part B deductible, in exchange for lower monthly rates and historically smaller increases.

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What Plan N covers, and what you share

Plan N keeps premiums low by splitting a bit more of the cost with you. Here’s the trade-off, side by side:

Covered at 100%

Plan N pays these in full.
  • ✓Part A deductible
  • ✓Part A coinsurance & hospital costs (plus 365 extra days)
  • ✓Part B coinsurance (after a $20 office visit copay)
  • ✓First 3 pints of blood for an approved procedure
  • ✓Skilled nursing facility coinsurance

What you’d pay

Your share with Plan N.
  • $Part B deductible (once a year)
  • $$20 office visit copay
  • $$50 ER copay (waived if admitted as inpatient)
  • $Part B excess charges
Lower premiums, smart trade-offs.
Plan N has historically experienced lower rate increases than the Plan F or Plan G, a great value if you don’t mind small copays.
Compare plans

See how the popular plans stack up

Let’s look at the three most popular Medigap plans side by side and find the right fit for you.

Plan F

The most complete coverage (eligible before 2020).

Plan F details →

Plan G

Nearly identical to F, the top pick for new enrollees.

Plan G details →
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Plan N

Lower premiums with small copays, great value.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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