Medigap Plan N is a popular lower-premium alternative to Plan G. It covers most major Medicare gaps but requires small copayments for some office and ER visits, making it a good fit for beneficiaries who want comprehensive protection but want to reduce their monthly premium.
What Plan N Covers
| Benefit |
Covered |
| Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted |
✓ |
| Medicare Part B coinsurance (with copays: up to $20 for office visits, up to $50 for ER visits not resulting in inpatient admission) |
✓ |
| First 3 pints of blood |
✓ |
| Part A hospice care coinsurance or copayment |
✓ |
| Skilled nursing facility (SNF) care coinsurance |
✓ |
| Medicare Part A deductible |
✓ |
| Foreign travel emergency (up to plan limits) |
✓ |
| Medicare Part B deductible (not covered) |
✗ |
| Medicare Part B excess charges (not covered) |
✗ |
Plan N vs. Plan G: Plan N typically costs $20–$40/month less than Plan G. The trade-off is up to $20 in copays per office visit and up to $50 per ER visit (waived if admitted). If you see your doctor infrequently, Plan N can save you money overall. If your doctors don’t accept Medicare assignment, Plan G’s excess charge coverage may be worth the higher premium.
How to Compare Plans
Because Medigap benefits are standardized by the federal government, Plan N covers the exact same benefits at every insurance company that sells it. The only difference between carriers is the premium — which can vary by 30–50% for the same plan and the same applicant. Working with an independent broker lets you see the full market and pick the lowest price for identical coverage.
Compare Plan N Rates From Multiple Carriers
Plan N is often the best value for healthy beneficiaries. We’ll compare it side by side with Plan G for your ZIP code.
📞 Call 1-888-972-0024
