Medicare Supplement Plan N

Medicare Supplement Plan N (also known as Medigap Plan N) is a health insurance policy designed to supplement traditional Medicare. It helps cover certain out-of-pocket costs that Original Medicare does not cover. Plan N provides the same basic benefits as other Medigap plans, but it typically has lower premiums than other plans. Those who don’t mind paying copayments and prefer lower monthly premiums would benefit most from this plan as it still provides access to any doctor who accepts Medicare patients.

What Does Medicare Supplement Plan N Cover?

Plan N covers: 

  • Hospitalization
  • Hospice care
  • Skilled nursing facility care
  • Physician office visits
  • Surgeries
  • Ambulance rides
  • Durable medical equipment such as walkers or wheelchairs
  • Physician office visits
  • Certain preventive services, including certain screenings and vaccinations 
  • Part of the cost of lab tests, x-rays, and blood work
  • Medicare Part A coinsurance hospital costs up to 365 days after Medicare beneficiaries are used
  • Medicare Part B coinsurance or copayment 
  • First three pints of blood
  • Part A hospice care coinsurance
  • Medicare Part A deductible
  • Part B preventive care
  • Foreign travel emergency (up to 80 percent)

Copay Amounts

With Medicare Supplement Plan N, you have lower monthly premiums but must pay a copay when you need medical services. For example, if you visit the emergency room (without being admitted as an inpatient), there is a $50 copay. If you see your primary care physician for a routine appointment, there is also a $20 copay.

How Much Does Medicare Supplement Plan N Cost?

The average monthly premium for Plan N is $90 to $230 per month. Keep in mind rates can vary from state to state. For example, for a 65-year-old female nonsmoker, a Part N monthly premium’s average is $210 per month in zip code 33311 (Florida).

Plan TypePremium Range
Plan F$142-$235
Plan G $123-$186
Plan N$86-$129
Premiums are based on Medicare Part B start date and or Medical underwriting.

How much you pay for your Medicare Supplement Plan G monthly premium with Mutual of Omaha depends on where you live and your personal health information.

Your actual Medicare Supplement Plan G monthly premium depends on where you live and your personal health information.

When Can I Enroll in Medicare Supplement Plan N?

The best time to sign up for a Medigap plan is during your six-month Medigap open enrollment period, which starts on the first day of the month in which you meet both of the following criteria:

  • Age 65 or older
  • Enrolled in Medicare Part B

We recommend taking advantage of the open enrollment period because during that time insurance carriers can’t reject your application based on your health or pre-existing health conditions. After that time, insurance companies can use medical underwriting when reviewing your application and factor in your health conditions.

Sometimes you may qualify for a special enrollment period if:

  • You retire.
  • Your insurance company goes out of business.
  • You move to another zip code.

How to Find a Medicare Supplement Plan That Fits Your Needs

Start by determining what level of coverage you need and what services are covered by each Medicare Supplement plan. In addition, it would be best to consider your medical needs when researching Medicare plans, as different plans may cover other medical expenses.

When choosing a Medicare Supplement plan, it is also essential to consider if there are any additional benefits or extras that could be helpful for your situation. These could include vision care discounts, hearing aid discounts, additional prescription drug coverage plans, or access to health services. Depending on your specific medical needs and lifestyle factors such as age or pre-existing conditions, these might be beneficial. Finding a plan that fits your needs can be complex. Still, with research and careful consideration, it is possible to find a plan that provides adequate coverage and excellent customer service at an affordable price.

Frequently Asked Questions:

What Insurance Carriers Offer Plan N?

Below are a few “preferred companies” we recommend you consider when researching your Medicare Supplement insurance options:

Florida Blue
Mutual of Omaha

We are not sponsored or endorsed by any of these companies. We prefer them because they offer competitive quotes, are well-established companies with a history of reliability, and are top-rated Medicare Supplement companies with a strong track record of rate stability. These preferred companies also continue to take advantage of innovative technology to create a more efficient buying experience for the customer and a much higher level of customer service.

Will My Rates Ever Change?

Insurance carriers conduct annual reviews of the Medigap plans they offer. They can raise Medicare Supplement Plan N rates based on the increased cost of care, inflation, or other economic factors. Therefore, it is essential to have a good relationship with an agent you trust because we can continue to assess your rate from year to year to ensure you still get the best deal.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers so that you can be sure you’re getting the best possible service. Take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Additionally, you can give us a call today to learn more or request a quote online.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.