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Medigap Plan N offers nearly the same benefits as higher-coverage plans, such as Plan G, but often at lower monthly premiums. A potential downside is you pay copays of up to $20 for medical office visits and up to $50 for non-admitted emergency visits.
Medicare Supplement Insurance, or Medigap, is sold by private insurance companies to cover certain copays, coinsurance and deductibles left over from Original Medicare. If you don’t expect to need a lot of medical care, Medigap Plan N may be more cost-effective compared with other Medigap plan types.
🤓 Nerdy Tip
Medicare Supplement Insurance Plan N is often called Medigap Plan N. You might also see it referred to as "Medicare Plan N" or even "Medicare Part N," but those labels aren't quite accurate. Compare Medigap plans
| Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available |
|---|---|---|---|---|
| A, C, D, F, G and N | Far fewer than expected | Below average | ||
| A, B, C, F, G, K, L and N | Far fewer than expected | Above average | ||
| A, F, G and N | Far more than expected | Above average | ||
| A, F, G and N | Far fewer than expected | Above average |
What is Medigap Plan N?
After Medicare pays its approved amount for health care costs and services, Medigap Plan N pays for certain out-of-pocket costs, like your Medicare Part A deductible or Part B coinsurance. However, you still have copays for certain doctor’s office visits and emergency room visits:
- Office visits: Up to $20 for some office visits.
- Emergency room visits: Up to $50 if you're not admitted to hospital inpatient care.
After that, Plan N covers whatever is left of your Part B copay or coinsurance.
Medigap Plan N is the third most popular Medicare Supplement Insurance plan type, covering about 10% of all Medigap members as of 2023. Plan F and Plan G have more members (and of the two, only Medigap Plan G is available to new Medicare members).
Medigap plans are only available if you have Original Medicare — they can’t be used with Medicare Advantage plans.
There are 10 standardized Medigap plans available in most states (except Massachusetts, Minnesota and Wisconsin, which use different standards). The plans differ in terms of coverage for services, out-of-pocket limits and premium costs. Compare Medicare Supplement plans' costs and coverage to find the best fit for you.
Medicare Supplement Plan N pros and cons
Medigap Plan N has advantages and disadvantages:
Pros
Coverage: Plan N covers nearly all Medigap benefits.
Premiums: Plan N has lower premiums than other popular options like Plan G and Plan F.
Availability: Plan N is available from nearly every Medigap company.
Cons
Copays: Unlike most plan types, Plan N has copays for certain medical visits.
Excess charges: Plan N doesn’t cover Medicare Part B excess charges. These are rare, but could be costly if you see a health care provider who charges more than Medicare’s approved amount.
» MORE: Medigap Plan N vs. Plan G
What Medigap Plan N covers
Here’s what Plan N covers, according to Medicare.gov:
- Inpatient care: Medigap Plan N will pay for your Part A deductible, copayments and coinsurance when you seek hospital care. The Part A deductible is $1,736 in 2026 per benefit period, and a copay of at least $434 per day in 2026 kicks in on hospital stays over 60 days.
- Outpatient care: Medicare Part B covers 80% of your charges for outpatient services like minor surgeries and office visits. Plan N covers the remaining 20% after your Part B deductible, which is $283 in 2026. You'll be responsible for copays up to $20 per office visit and up to $50 per emergency room visit (waived if admitted).
- Blood transfusions: You’re covered for the first three pints of blood.
- Foreign travel emergencies: Plan N covers 80% of medically necessary emergency health care service for the first 60 days when traveling outside the U.S. Deductible and limitations apply.
What Medigap Plan N doesn't cover
Plan N out-of-pocket costs
Part B deductible $257 in 2025.
Excess charges Rare but can be expensive.
Doctor's office copay Up to $20 per visit.
ER visit copay Up to $50 per visit.
Medigap Plan N is one of the more comprehensive Medicare Supplement Insurance plans. However, there's one benefit included in some other plans that Plan N doesn’t cover — Medicare Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).
It doesn’t cover your Part B deductible either, but there are no Medigap plans open to new members that do. And as mentioned, you’ll have a small copay for office and emergency visits.
Additionally, all Medigap plans, including Plan N, sold to new Medicare members don’t cover the following:
- Part B deductible. (Since 2020, new Medicare members can’t buy any plan that covers the Part B deductible, although existing members may own older plans that do.)
- Long-term care (like non-skilled care you get in a nursing home).
- Private-duty nursing.
Shopping for Medigap plans? We have you covered.
| MEDICARE SUPPLEMENT, or Medigap, is private health insurance that covers “gaps” in traditional Medicare coverage. Compare options from our Medigap roundup. | |
| Best overall | Best for plan availability |
| Best for low prices | Best for premium discounts |
How much does Medicare Supplement Insurance Plan N cost per month?
Private companies sell Medigap policies, and they each set their own prices. Medigap Plan N premiums for a 65-year-old nonsmoker start at $93 per month in Atlanta, which has average costs among major U.S. metro areas for the most popular plan types.
The cost of a Medigap Plan N policy can vary based on factors including age, location and tobacco use.
Should you buy Medigap Plan N?
Keep these key factors in mind.
Benefits Identical to Plan G, except for Part B excess charges.
Premiums Usually lower than Plan G — sometimes by a lot.
Copays Up to $20 per office visit or $50 per emergency visit.
Buy Medigap Plan N during Medigap open enrollment
The best time to buy a Medicare Supplement Insurance policy is during your Medigap open enrollment period.
This period happens only once. It starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months. (If you're still working after 65 and covered by a group employer plan that is deemed creditable coverage, your six-month period starts after you’ve ended active employment or no longer have that insurance.)
Medigap policies are cheapest and easiest to get during this open enrollment period because insurance companies aren’t allowed to factor your health or medical history into your price. After the period ends, the prices may go up or you may be denied coverage due to your health status or medical history.
In some states, insurance companies sell Medigap plans to those under 65 who are living with a disability and are eligible for Medicare. You can find more information through your State Health Insurance Assistance Program, or SHIP.
When shopping for a Medigap plan, review your medical records. If you don’t visit your doctor often, Plan N may be the better option for you.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Compare alternative plans
| Get details on Medicare Supplement plan options | |
| If you want... | Consider... |
| Basic benefits | |
| Basics plus some extras | |
| Highest coverage | |
| Lower premiums, but higher copays | |
| Lowest premiums — partial coverage | |
| No longer for sale to new Medicare members | |
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- 1. Centers for Medicare & Medicaid Services. Learn How Medigap Works. Accessed Aug 8, 2025.
- 2. AHIP. The State of Medicare Supplement Coverage. Accessed Aug 8, 2025.
- 3. Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Aug 8, 2025.
- 4. Centers for Medicare & Medicaid Services. Learn What Medigap Covers. Accessed Aug 8, 2025.
- 5. Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works for You. Accessed Aug 8, 2025.
- 6. Centers for Medicare & Medicaid Services. Get Ready to Buy. Accessed Aug 8, 2025.
