Medigap Plan N
Plan N covers the same major gaps as Plan G — the Part A deductible, hospital coinsurance, skilled nursing — but trades a lower premium for small cost-sharing: up to $20 for some office visits, up to $50 for ER visits that don't admit you, and no coverage for Part B excess charges.
What does Plan N cover?
- Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used) — Covered 100%
- Part B coinsurance or copayment — 100% after small copays
- Blood (first 3 pints) — Covered 100%
- Part A hospice care coinsurance or copayment — Covered 100%
- Skilled nursing facility care coinsurance — Covered 100%
- Part A deductible — Covered 100%
- Part B deductible — Not covered
- Part B excess charges — Not covered
- Foreign travel emergency (up to plan limits) — Covered 80%
Who is Plan N a good fit for?
- People who don't visit the doctor often — few visits means the copays rarely add up to the premium savings.
- People in states that ban Part B excess charges, where one of Plan N's two gaps doesn't exist at all — ask your advisor whether yours is one.
- People who want Medigap's any-doctor freedom at a premium closer to a Medicare Advantage budget.
What are the trade-offs of Plan N?
- Copays are real money in a high-visit year: up to $20 per office visit and $50 per ER visit adds up for someone managing several conditions.
- Part B excess charges are yours: a doctor who doesn't accept Medicare assignment can bill up to 15% above the approved amount in most states.
- The premium gap between G and N varies a lot by state and age — do the break-even math on your own quotes, not on a national average.
Key facts
- Part A deductible
- Covered 100% (2026)
- Part B deductible
- Not covered (2026)
- Part B excess charges
- Not covered (2026)
- Sold by
- Private insurers, standardized by federal law — same benefits at every company
Frequently asked questions
Does Plan N cover the Part B deductible?
No. You pay the annual Part B deductible yourself — $283 in 2026 — and Plan N picks up its share of covered services after that.
Does Plan N cover Part B excess charges?
No. If a doctor does not accept Medicare assignment, the excess charge — up to 15% above the Medicare-approved amount — is yours. Not every state allows those charges.
Does Plan N cover care outside the United States?
Partly. Plan N pays 80% of foreign travel emergency care, after a separate deductible and up to the plan's lifetime limit. Routine care abroad is not covered.
Is Plan N the same at every insurance company?
Yes. Medigap benefits are standardized by law, so Plan N is the same package of benefits whoever sells it. Price, service and rate history are what differ — three states (Massachusetts, Minnesota, Wisconsin) standardize their plans differently.
Sources
- Medicare.gov — Medigap (Medicare Supplement Insurance) (accessed September 8, 2026)
- CMS — Choosing a Medigap Policy (product 02110), benefit chart (accessed September 8, 2026)
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (accessed September 8, 2026)
Further reading
- TRICARE for Life and Medicare 2026: Apopka, FL Veterans' Coverage Guide
- Medicare Trial Rights in 2026: Your 12-Month Guaranteed Way Back to Medigap
- TRICARE for Life & Medicare 2026: Orlando Area Veterans Guide
- All Medigap plans and the full benefit chart
- The six-month Medigap open enrollment window
- Two-minute plan match quiz
- Medicare articles
- Find a licensed Medicare advisor by state
Updated September 8, 2026. Dollar figures are 2026 plan-year amounts transcribed from CMS publications and last verified by IM65 against the source for each: Parts A & B premiums, deductibles and IRMAA (August 11, 2026); Medigap benefit chart (October 1, 2026).