Medigap Plan N
Understand Plan N premiums, office and emergency copays, and Part B excess-charge exposure.
Plan N benefit schedule
Plan N includes the common core, skilled nursing facility coinsurance, the Part A deductible, and limited foreign-travel emergencies. The same standardized letter has the same basic benefits among companies in most states. Massachusetts, Minnesota and Wisconsin standardize differently; confirm the policy offered in your state.
Official source: Medicare: Medigap plan benefits ↗ · Medicare & You 2027, Medigap section (2026 chart) ↗
Costs this letter leaves open
Plan N does not include the Part B deductible and Part B excess charges. A Medigap policy pays only for its listed share of Medicare-covered services; the presence of a policy does not make an otherwise excluded service eligible. Review the chart row by row before quoting a monthly premium.
Official source: Medicare: Medigap plan benefits ↗ · Medicare: Medigap coverage ↗
The decision point for Plan N
Plan N pays Part B coinsurance with a copayment of up to $20 for some office visits and up to $50 for emergency room visits when you are not admitted as an inpatient. Its premium can differ from G, so compare expected visits, excess charges and total cost.
Official source: Medicare: Medigap plan benefits ↗ · Medicare: 2026 costs ↗
Timing and eligibility
When weighing Plan N’s possible office and emergency copays against its premium, check the purchase date too. The federal six-month Medigap open-enrollment period begins with Part B at age 65 or later; later access may depend on a guaranteed-issue event or stronger state rule.
Official source: Medicare: Buying Medigap ↗
Quote and enrollment checks
Request the premium for Plan N in your ZIP code from each available insurer, with its rating method, household discounts, projected age increases and effective date. Part B premium remains payable; newly sold Medigap coverage does not supply Part D drugs, so price a separate drug plan when needed. Verify providers accept Medicare rather than treating a Medigap company as an Advantage network.
Official source: Medicare: Medigap costs ↗ · Medicare: How Medigap works ↗ · Medicare: Compare plans ↗