Medigap Plan N is one of ten standardized Medicare Supplement Insurance plans designed to help fill the gaps left by Original Medicare. It provides strong financial protection by covering many of the out-of-pocket costs — deductibles, coinsurance, and copayments — that Original Medicare leaves behind.
What makes Plan N unique is its balance between comprehensive coverage and affordability. In exchange for modest copayments on certain services, Plan N typically offers lower monthly premiums than Plan G or Plan F, making it an attractive option for beneficiaries who want solid coverage without paying top dollar.
Let's explore what Plan N covers, what it costs, and how to enroll. You can also use the menu at the top of this page to navigate directly to specific sections.
Medicare Supplement Plan N is a Medigap policy that covers most Original Medicare out-of-pocket costs, including the Part A deductible, Part B coinsurance, skilled nursing facility coinsurance, and foreign travel emergencies. The main difference from Plan G is that Plan N includes small copays — up to $20 for some office visits and up to $50 for ER visits that don't lead to admission — and does not cover Part B excess charges.
Monthly premiums for Plan N vary by carrier, age, gender, tobacco use, and zip code. In 2026, typical premiums range from roughly $75 to $250/month — generally $20 to $60 less per month than Plan G. Because Plan N is standardized by CMS, every carrier's Plan N covers the same benefits; the only difference is the premium.
It depends on your healthcare usage. Plan N has lower premiums but includes copays for some office visits (up to $20) and non-admitted ER visits (up to $50), and it doesn't cover Part B excess charges. If you visit the doctor infrequently, the premium savings with Plan N usually outweigh the copays. If you have frequent appointments or see doctors who charge above Medicare-approved rates, Plan G may be the better value.
Part B excess charges occur when a doctor who accepts Medicare but doesn't "accept assignment" charges up to 15% above the Medicare-approved amount. Plan N does not cover these charges, while Plan G does. In practice, most doctors accept assignment (meaning no excess charges), and some states have banned them entirely. Your UMA agent can help you assess whether this is a concern in your area.
Yes. Medicare Supplement plans — including Plan N — have no provider networks. Any doctor or hospital that accepts Original Medicare will accept your Plan N coverage, anywhere in the United States.
The best time to enroll is during your Medigap Open Enrollment Period — the 6-month window that starts the month you turn 65 and are enrolled in Part B. During this window, insurers cannot deny you coverage or charge higher premiums based on health conditions. Outside this window, you may need to pass medical underwriting.
Plan N is ideal for Medicare beneficiaries who want strong gap coverage at a lower price point. It works especially well for people in good-to-moderate health who visit the doctor a handful of times per year, don't use the ER frequently, and want predictable costs without paying the highest premium tier.
Have more questions? Browse our complete FAQ library or call 1 (855) 665-9200
* Plan N Copayments: Plan N covers Part B coinsurance in full, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission. These small copays are the trade-off that keeps Plan N premiums lower.
You'll pay the annual Part B deductible ($283 in 2026) before Medicare begins covering outpatient services
Unlike Plan G, Plan N does not cover Part B excess charges — the amount a doctor can charge above the Medicare-approved amount (up to 15% more)
| Beneficiary Demographics | Low Estimate | High Estimate |
|---|---|---|
| Female, 65-years old, non-tobacco user | $89 | $439 |
| Male, 65-years old, non-tobacco user | $130 | $495 |
| Female, 75-years old, non-tobacco user | $115 | $439 |
| Male, 75-years old, non-tobacco user | $130 | $495 |
| Beneficiary Demographics | Low Estimate | High Estimate |
|---|---|---|
| Female, 65-years old, non-tobacco user | $132 | $542 |
| Male, 65-years old, non-tobacco user | $149 | $612 |
| Female, 75-years old, non-tobacco user | $142 | $542 |
| Male, 75-years old, non-tobacco user | $163 | $612 |
| Beneficiary Demographics | Low Estimate | High Estimate |
|---|---|---|
| Female, 65-years old, non-tobacco user | $99 | $467 |
| Male, 65-years old, non-tobacco user | $113 | $527 |
| Female, 75-years old, non-tobacco user | $124 | $467 |
| Male, 75-years old, non-tobacco user | $142 | $527 |
* Table data courtesy of Medicare.gov and accurate as of 2026.
To enroll in Medigap Plan N, you must first be enrolled in Original Medicare (Part A and Part B). The best time to enroll is during your Medigap Open Enrollment Period, which starts on the first day of the month when you are 65 or older and enrolled in Medicare Part B. During this period, insurance companies are generally not allowed to deny you coverage or charge higher premiums based on your health conditions.
If you miss your Medigap Open Enrollment Period, you may still be able to enroll in Medigap Plan N, but you may be subject to medical underwriting. This means the insurance company can consider your health status and potentially charge you higher premiums or deny coverage altogether.
You also may qualify for Special Enrollment Periods, such as if your current plan has been discontinued, where you can enroll in a new Medicare Supplement plan without underwriting.
If you've missed your Medigap Open Enrollment Period, or are unsure if you qualify for a Special Enrollment Period, United Medicare Advisors can help analyze your situation. Should you require underwriting, our licensed insurance agents can assist you during this process. With access to over 20 national insurance providers with different underwriting standards, we can compare multiple plans and requirements for you to help find a plan that fits your needs.
| Benefit | Plan G | Plan N | Plan K |
|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 days) | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ * | 50% |
| Blood (first 3 pints) | ✓ | ✓ | 50% |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | 50% |
| Skilled nursing facility care coinsurance | ✓ | ✓ | 50% |
| Part A deductible | ✓ | ✓ | 50% |
| Part B deductible | ✗ | ✗ | ✗ |
| Part B excess charges | ✓ | ✗ | ✗ |
| Foreign travel emergency (up to plan limits) | ✓ | ✓ | ✗ |
| Annual out-of-pocket limit | ✗ | ✗ | $8,000 |
The copayments on Plan N are the key distinction from Plan G and Plan F. Here's exactly how they work:
When you visit a doctor's office for a Medicare-covered service, you may owe a copayment of up to $20 after Medicare pays its share. This applies to routine doctor visits and specialist visits. Many carriers charge exactly $20, but the amount can be lower. Preventive services covered at 100% by Medicare (like your Annual Wellness Visit) do not have a copay.
If you visit the emergency room and are not admitted to the hospital as an inpatient, you may owe a copay of up to $50. If you are admitted, the copay is waived entirely — your Plan N coverage kicks in at 100% for the inpatient stay.
For a beneficiary who visits the doctor 6 times per year and has no ER visits, the annual copay cost would be approximately $120 ($20 × 6 visits). If your Plan N premium is $40/month less than Plan G, you'd save $480/year in premiums and pay just $120 in copays — a net savings of $360.
This is why Plan N is often the most cost-effective Medigap plan for beneficiaries in good-to-moderate health who visit the doctor occasionally but don't have frequent office visits or ER trips.
© 2026 United Medicare Advisors.
PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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