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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. These charges rarely occur and can be easily avoided if the policyholder goes to a provider that takes “Medicare assignment.”

Quick Facts
  • 96% of providers who provide Medicare-covered services accept Medicare assignment.1
  • 99% of all Medicare-covered services are paid on assignment.1
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 2019, this deductible is set to be $185. 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 $2,300 deductible in 2019 before it covers anything. 2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. 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 $2,780 in 2019. 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.

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