Medicare Supplement Plan N

Medicare Supplement Plan N is one of the more popular Medicare Supplement (Medigap) plans among beneficiaries in 2022. Medigap Plan N is ideal for those who prefer lower monthly premiums but do not want to forfeit significant benefits.

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What is Medicare Supplement Plan N?

Medicare Supplement Plan N is a standardized Medicare Supplement insurance plan available in most states nationwide. As a Medicare Supplement, this plan helps cover certain cost-sharing expenses that would otherwise be your responsibility with Original Medicare.

Since the introduction of Medigap Plan N, enrollment in the plan has increased yearly. However, the popularity of this plan is unsurprising. Medigap Plan N offers excellent coverage for a low monthly premium.

While researching available plans, you may have heard this plan referred to as Medicare Part N. Medicare Part N, Medigap Plan N, and Medicare Plan N are the same.

Still, the correct term is Medicare Supplement or Medigap Plan N. Remember that Parts refer to Original Medicare, and Plans refer to Medigap.

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Medicare Supplement Plan N Benefits

Similar to Medicare Supplement Plan G in many ways, Plan N offers significant cost-sharing benefits to policyholders.

These benefits include:

  • Medicare Part A coinsurance
  • Medicare Part A deductible
  • Foreign travel emergency care
  • Medicare Part B 20% coinsurance (beneficiaries are responsible for a $20 copayment at doctor office visits and $50 copayments for emergency room visits if not admitted.)

Additionally, you may be responsible for additional charges if you live or receive care in a state that allows excess charges. However, most doctors accept Medicare assignment, so excess charges are rare.

How Much Does Medicare Supplement Plan N Cost in 2022?

The average cost of Medicare Supplement Plan N in 2022 is around $120-$180 per month. However, many factors determine premium cost. Premiums vary from one ZIP Code to another. Thus, in some areas, the monthly premium for Medigapt Plan N can be as much as $250; in others, it can be as low as $80.

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Your state of residence, gender, age, and tobacco use all play a part in determining your premium rates.

Medigap Plan N Outline of Coverage Chart for 2022

The chart below compares Medigap Plan N to the other Medicare Supplement plans available nationwide. You can see how each plan stacks up next to one another in terms of benefits and coverage.

Medicare Plan N Outline of Coverage Chart for 2022

How Much Are the Copays for Medicare Supplement Plan N?

In exchange for lower monthly premiums, you are responsible for a copay of $50 when visiting the emergency room (if it does not result in inpatient admission) and a $20 copay at the doctor’s office. Yet, there is no copay if you visit an urgent care center.

Thus, if you cannot get an appointment with your primary care physician, instead of going to the emergency room over something minor, you can go to urgent care and avoid copays. Remember that these copays will not count towards the Medicare Part B deductible.

Medicare Supplement Plan N Rate Increase History

Among the factors that impact your monthly premium rates, the pricing method that your carrier uses can influence your premium over time. According to, premiums for Medigap Plan N increased between 2% and 4% in the last five years. These increases are lower when compared to Medicare Supplement Plan F and Plan G.

As Medigap Plan N benefits are the same from carrier to carrier, it is essential to discuss with your agent the rate increase history for the company you are considering for your plan. Additionally, you should research carrier reviews for Medigap Plan N.

What Carriers offer Medicare Supplement Plan N?

Since Medicare Supplement Plan N is one of the most popular Medigap plans, most large and well-known carriers offer this option. Many lesser-known carriers also offer Medigap Plan N. Ultimately, your choice of companies depends on your location.

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The best carriers that are nationally available who offer Medicare Supplement Plan N include:

  • Cigna
  • Aetna
  • Mutual of Omaha
  • Blue Cross Blue Shield
  • Accendo

While this list is not a comprehensive list of carriers offering the plan, the above are some of the highest-rated and most widely available companies.

When Do I Enroll in Medicare Supplement Plan N?

You can enroll in a Medicare Supplement plan with no underwriting health questions during your Medicare Supplement Open Enrollment Period. This window lasts up to six months following your 65th birthday, or Part B effective date.

Outside of this time frame, you can enroll in a Medicare Supplement plan at any time of the year by passing underwriting. Being subject to underwriting health questions means that any carrier could deny your application because of your health status.

Is Medicare Supplement Plan N Better than Medicare Advantage?

The answer to this question depends on your health care needs and financial goals. For people who do not need to visit doctors often and find Medigap plans to be out of their price range, a Medicare Advantage plan may be the better choice.

Yet, if you do not want to deal with restrictive doctor networks, a Medigap plan such as Medicare Supplement Plan N will better suit your needs.

Often, those who enroll in Medicare Supplement Plan N over Medicare Advantage plans want a safety net in case of a medical emergency. Medigap Plan N’s low deductible and out-of-pocket costs make it an attractive option.

Medicare Supplement Plan N Reviews

The feedback we hear from clients about Medigap Plan N is positive. If you are prepared for the small copays that come with this option, Medigap Plan N can be an excellent choice for you.

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Remember, when researching reviews for a specific letter plan, focus on reviews about the plan benefits, not the carrier. Often, the negative reviews stem from complaints about the carrier, not the plan.

Medicare Supplement Plan N FAQs

What is the difference between Medicare Supplement Plan N and Plan G?
Medigap Plan G covers Medicare Part B excess charges, which are not a concern in most cases but especially not if your state does not allow excess charges. Medigap Plan N also involves cost-sharing via copayments and coinsurance, which Medigap Plan G covers. However, premiums for Medigap Plan G are usually higher than those for Medigap Plan N.
Does Medicare Supplement Plan N cover the Medicare Part B deductible?
No, Medigap Plan N does not cover the Medicare Part B deductible. Coverage of the Medicare Part B deductible is first-dollar coverage which is discontinued for new beneficiaries. The only plans covering this deductible are Medigap Plan C, Plan F, and High Deductible Plan F.
Does Medicare Supplement Plan N cover physical therapy?
If your doctor states physical therapy is medically necessary, Medicare will cover physical therapy. Thus, Medigap Plan N will cover any out-of-pocket costs associated with your physical therapy services because Medicare Supplement plans must cover the remainder of what Medicare covers.
Does Medicare Supplement Plan N cover dental?
No, Medigap plans do not cover dental services. You must select a stand-alone dental plan to supplement your Medicare coverage.

How to Compare Rates for Medigap Plan N

Medicare is complex, and you should not have to tackle it alone. Your healthcare is of paramount importance to us, so we never sell a policy to a client that we would not sell to our own family members – or enroll in ourselves.

You can depend on our licensed agents and our client care team to help you manage claims and make sure you have the best rate at all times.

To get a rate comparison for Medigap Plan N or any other Medicare Supplement plan, give us a call at the number above or complete our online rate form for a comparison today!

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  1. How to Compare Medigap, Medicare. Accessed June, 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

57 thoughts on “Medicare Supplement Plan N

  1. Could you tell me if Teresa Jones at Women’s & Children’s Center in Findlay, Ohio is covered by AARP Medicare Supplement Plan N?


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