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Medicare Supplement Plan N Rates & Benefits

Medicare Supplement Plan N, like other Medigap plans, covers out-of-pocket costs for those eligible for Medicare, primarily adults over the age of 65.

Original Medicare consists of Medicare Part A and B.

  • Medicare Part A: Broadly referred to as hospital insurance, Medicare Part A covers inpatient hospitalization,  skilled nursing facility care, hospice care and some home health care.
  • Medicare Part B: Covers certain health care providers’ services, a portion of emergency care, outpatient care, medical supplies, preventive service and other medical expenses.

Medicare supplement plans, also known as Medigap policies, reduce costs by covering additional expenses outside of this basic coverage.

Our licensed insurance agents at Policy Guide have the tools and knowledge to help you determine if Plan N is the right fit for you. We can also discuss Medicare eligibility so you can plan ahead when you are ready to purchase additional Medicare coverage.

What is Medicare Supplement Plan N?

To help pay for medical services outside of the basic Medicare benefits covered by the Federal Government, beneficiaries in most states can choose from as many as 10 different Medigap policies.

These health insurance plans are sold by private insurance companies. Medigap Plan N offers the same coverage in all states except Minnesota, Massachusetts, and Wisconsin.

Plan N saves you money by charging lower monthly premiums. However, you’ll be responsible to pay $20 for some doctor’s visits and $50 for an emergency room visit.

Another benefit of choosing a Medicare Supplement Insurance plan is freedom of choice when looking for a healthcare provider. With a Medicare Plan N policy, you don’t have to worry about staying within a health insurance network when you need care.

What does Medicare Plan N cover?

Medicare Plan N covers:

  • Medicare Part A coinsurance hospital costs up to an additional 365 days after Medicare beneficiaries are used up
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Part A hospice care coinsurance
  • Skilled nursing facility care insurance
  •  Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency (up to 80 percent)

The key difference in Medicare Supplement Plan N compared with other Medigap plans:

  • Plan N pays 100 percent of the Part B coinsurance
  • You will be responsible for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

How much does Medicare Plan N cost?

Monthly premiums vary from state to state and among zip codes in the same state.

For example, for a 65-year-old female, nonsmoker Plan N monthly premiums average:  

  • $104.48 in the 77450 zip code in Houston with a range of $86.30 to $144.75 per month
  • $216.12 in the 33311 zip code in Fort Lauderdale with a range of $173.27-$269.52 per month

When can I enroll in a Medicare Supplement Plan N plan?

You can enroll in Medicare Supplement Insurance Plan N after you have signed up for the federal Medicare program Plan A and B. The best time to sign up for a Medigap plan is during your sixth-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 insurance carriers can’t reject your application based on your health condition 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

What is the difference between Medicare Plan N and Plan G?

Medicare Supplement Plans N and G are similar in their features. The main differences center on copayments and Part B excess charges.

Under Plan N, you will cover a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits if you are not admitted as an inpatient. Plan G doesn’t charge these fees.

Part B excess charges refer to what’s leftover after a healthcare provider bills for services. Doctors who don’t accept Medicare as full payment for certain services may charge up to 15 percent more for that service than the Medicare-approved amount.

Plan G covers Part B excess charges.

Because Plan G’s coverage is slightly broader, it is slightly more expensive than Plan N.

Common Questions on Medigap Plan N

What is the deductible for Plan N?

All Medicare Supplement Insurance plan requires you to pay the Part B deductible except for Plan F, which is only available to those who turned 65 before Jan. 1, 2020.

The Part B deductible is $203 in 2021. With Medigap Plan N, you also pay up to $20 for appointments with a healthcare provider and a copay of $50 for emergency room visits.

Can I enroll in Medicare Plan N if I’m already enrolled in Medicare Part A and Part B?

Yes! You will need to be enrolled in Medicare Parts A and B first. Then you can enroll in a Medigap plan.

Will Medigap Plan N cover both me and my spouse?

Each person will need to enroll in a separate Medigap plan. Of course, you can both decide on the same plan, but it has to be in each person’s name. Certain companies will offer a household discount if both spouses apply.

Does Medicare Plan N cover prescription drugs?

No. Medicare Supplement Insurance plans do not offer a prescription drug plan. To obtain that, you will need to purchase Medicare Part D from a private insurance company contracted by Medicare.

The federal government pays 75% of Part D medication costs. You will pay the rest through premiums, copays and deductibles. Costs for Part D vary among plans and different insurers.

Does Medigap Plan N cover dental, vision and hearing benefits?

No. You will need to get separate policies for that. Some insurers offer dental, vision and hearing packages. You may also consider a Medicare Advantage plan, also known as Plan C, instead, which would offer those benefits. Medicare Advantage plans also offer prescription drug plans.

Does Medicare Plan N cover chiropractic?

Medicare Part B covers manual manipulation of the spine provided by a chiropractor if medically necessary to correct misalignment. Medicare doesn’t cover other services or tests a chiropractor orders, including X-rays, massage therapy, and acupuncture.

With Plan N, you would pay a $20 copay for chiropractor office visits.

Does Medicare Supplement Plan N have a Network?

With a Medicare Plan N policy, you do not have to worry about staying within a network when you need care. You can go to any hospital or doctor in the country that accepts Medicare. Also, in the event you have to travel abroad and must seek emergency medical care in another country, Plan N will pay up to 80% of the cost for the first 60 days of that treatment.

Will My Rate Ever Change?

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

Related Topics

Ready to learn more?

This website is for informational purposes only. To research Medicare Supplement plans and premiums and to compare Medicare Supplement quotes, use our online form below to talk with an agent. Choose your state to find the best Medicare Supplement Plan N among the top carriers, or call our health insurance agency at (888) 414-4547. We can also help you understand the difference in Medicare Supplement plan monthly premiums and Medicare Advantage plan limits and differences. This website is not connected or endorses by CMS.

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