Medicare Supplement Plan N

Medicare Supplement Plan N, like other Medigap plans, covers out-of-pocket costs for those eligible for Medicare.

Medicare Supplement Plan N Benefits

Medicare Supplement Part N covers the cost of the following:

  • $20 for some doctor’s visits
  • $50 for an emergency room visit
  • Part N pays 100 percent of the Part B coinsurance.
  • 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
  • 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)

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 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 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 Part N monthly premiums average:  

  • $216.12 in the 33311 zip code in Fort Lauderdale
Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

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

You can enroll in Medicare Supplement Insurance Plan N after signing 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 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

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. Then, 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 between Medicare Supplement plan monthly premiums and Medicare Advantage plan limits and differences. This website is not connected to or endorsed by CMS.

Plan N FAQ:

What Insurance Carriers offer Plan N?

Many companies offer Medicare Supplement Plan N, but not all companies provide the essential high-quality level of service and reliability that you need from an insurance carrier. Below are a few “preferred companies” we recommend you consider when researching your Medicare Supplement insurance options:

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, and they have the option to 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.

Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023