Learn about
Medicare Supplement Plan N
Medigap Plan N
Plan N is one of the 10 standardized medicare supplement plans that is available. It’s premiums are also lower than Plans G & F.
With Plan N, there is a copay when the policyholder sees a doctor. After the Part B deductible is met for the Medicare calendar year, the copay is up to $20. There is a $50 copay at the emergency room, but this is waived if the policyholder is admitted.
In addition, Part B excess charges are not covered on plan N. “Non-participating providers” may bill excess charges up to 15% above the Medicare-allowed payment amount in a process referred to as “balance billing”. These charges rarely occur and can be easily avoided if the policyholder goes to a provider that takes “Medicare assignment.”
Quick Facts
- In 2022, 98% of providers who provide Medicare-covered services accept Medicare assignment.1
- In 2022, 97.7% of fee schedule claims were paid on assignment.1 The remaining 2.3% of claims from that figure would be subject to balance billing on Plan N.
| Standard Medicare Supplement Insurance benefits | Plan N |
|---|---|
| Medicare Part A co-insurance and hospital costs | ✓ |
| Medicare Part B co-insurance or co-payment | ✓ |
| First 3 pints of blood | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ |
| Co-insurance for skilled nursing facility | ✓ |
| Medicare Part A deductible | ✓ |
| Medicare Part B deductible | |
| Medicare Part B excess charges | |
| Foreign travel emergency | ✓ |
As you can see from the above chart, with plan N, you still have to pay the Medicare Part B deductible. In 2025 this deductible is set to be $257. This is a calendar year deductible, not a per instance deductible.
How to tell if your doctor accepts “Medicare assignment”:
Plan N vs. other Medigap plan options
Check out this side-by-side comparison of how Plan N stacks up against other medigap plans.
| Medicare Supplement Benefits | A | B | C | D | F1 | G | K2 | L3 | M | N4 |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A co-insurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| MedicarePart B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,870 deductible in 2025 before it covers anything. 2. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year. 3. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year. 4. Plan N pays 100% of the Part B coinsurance, except 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 an inpatient admission. |
||||||||||
