Plan N at a glance
Medigap Plan N: Overview
If you’re looking for additional coverage beyond what Medicare provides, you may want to consider enrolling in a Medigap plan. Medigap plans are offered by private insurance companies and provide supplemental coverage to help pay some of the costs that Medicare doesn’t cover.
There are several different Medigap plans available, each with its own set of benefits. Plan N is a popular plan because it offers a broad range of coverage in exchange for a few small copayments.
Some of the highlights of Plan N include coverage for the Part A deductible, coverage for emergency care abroad, and low, fixed copayments for doctor visits and emergency room care.
Medigap Plan N Coverage
Medigap Plan N covers Medicare Part A hospital coinsurance and other costs for up to an additional 365 days after Original Medicare benefits are used up, Medicare Part A hospice care coinsurance or copayments, and the Medicare Part A deductible. It also covers Medicare Part B coinsurance or copayments, the first three pints of blood used in a medical procedure, and skilled nursing facility care coinsurance, and it pays 80% of foreign travel emergency care up to plan limits.
The only thing you pay toward your Medicare Part B coinsurance or copayments is a copay of up to $20 for some doctor’s office visits and up to $50 for emergency room visits if you aren’t admitted as an inpatient.
What Medigap Plan N Does Not Cover
Plan N does not cover the yearly Part B deductible or Part B excess charges. Excess charges are extra amounts of up to 15% above the Medicare-approved amount that a doctor who doesn’t accept Medicare assignment can bill you. If your doctors accept assignment, you won’t face excess charges. Like all Medigap plans sold today, Plan N also does not include prescription drug, dental, vision, or hearing coverage.
Plan N Compared With Plan G
Plan N and Plan G cover the same core costs, including the Part A deductible, skilled nursing coinsurance, and foreign travel emergencies. Neither covers the Part B deductible. The differences are that Plan N has the office and emergency room copays and does not cover Part B excess charges, while Plan G covers both. People who see doctors less often, and whose doctors accept Medicare assignment, often compare the two on premium alone.
Medigap Plan N Enrollment
To buy Medigap Plan N, you must be enrolled in Medicare Part A and Part B. You can buy Plan N from private insurance companies licensed in your state, and you can learn more about Medigap plans on the official Medicare website or by talking with a licensed broker.
The best time to buy Medigap Plan N is during your Medigap Open Enrollment Period. This 6-month window starts the first month you have Medicare Part B and are 65 or older. During it, an insurance company can’t turn you down or charge you more because of your health. After it ends, insurers in most states can use medical underwriting, which means you could pay more or be denied coverage unless you have a guaranteed issue right.
Medicare Supplement Insurance
Medigap Plans Compared
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| Benefits | A | B | C | D | F* | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (up to 365 extra days) | ||||||||||
| Part B coinsurance or copayment | 50% | 75% | † | |||||||
| Blood (first 3 pints) | 50% | 75% | ||||||||
| Part A hospice care coinsurance or copayment | 50% | 75% | ||||||||
| Skilled nursing facility care coinsurance | 50% | 75% | ||||||||
| Part A deductible$1,736 in 2026 | 50% | 75% | 50% | |||||||
| Part B deductible$283 in 2026 | ||||||||||
| Part B excess charges | ||||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Yearly out-of-pocket limit2026 limits | $8,000 | $4,000 |
* Plans F and G also come in a high-deductible version. You pay Medicare-covered costs up to the deductible ($2,950 in 2026) before the plan pays.
Plans C and F are available only if you were eligible for Medicare before January 1, 2020.
Plans K and L pay 100% of covered services for the rest of the year once you reach the yearly out-of-pocket limit ($8,000 for Plan K and $4,000 for Plan L in 2026) and the Part B deductible.
† Plan N pays 100% of Part B coinsurance, except up to $20 for some office visits and up to $50 for ER visits that don’t result in an inpatient admission.
