Medigap Plan N

Medicare Supplement Plan N, or Medigap Plan N, is one of the more popular options out of the 10 standard Medigap Plans. As a supplemental plan, Medigap Plan N helps cover some of the costs not covered by your Original Medicare Part A and Part B. It tends to be popular with new enrollees because it offers low premiums and medium comprehensiveness. Although, it does come with some copays.

What Does Medigap Plan N Cover?	Jump to
What’s Not Covered by Medigap Plan N?	Jump to
How Much Does Medigap Plan N Cost?	Jump to
Is Medigap Plan N Right for Me?	Jump to

What does Medigap Plan N Cover?

Medigap Plan N covers 7 out of the 9 standard Medigap benefits in total, including:

• Medicare Part A coinsurance & hospital costs 
• Medicare Part B coinsurance or copayments 
• First 3 pints of a blood transfusion 
• Part A hospice care coinsurance or copayments 
• Skilled nursing facility care coinsurance 
• Medicare Part A deductible 
• Foreign travel emergency care 

You may notice that Plan N and Plan D cover the exact same benefits. The only difference is Plan N comes with copays. More on that in the section below titled, How Much Does Medigap Plan N Cost?

The 7 standard Medigap Plan K benefits explained:

1. Medicare Part A coinsurance and hospital costs
   Medigap Plan N covers 100% of your Part A coinsurance and hospital costs for days 61 through 150. But you may be responsible for paying a copay of up to $50 per emergency room visit. In addition, this benefit covers up to 365 more hospital days after your Medicare benefits are used up.ⁱ
    
   Note: Typically, Medicare Part A coinsurances don’t kick in until after you’ve paid your deductible for the year. Since Medigap Plan N covers 50% of your Part A deductible, you only have to pay 50%. 
2. Medicare Part B coinsurance or copayment
   Medigap Plan N covers 100% of your Part B coinsurances and copayments which are typically 20% of the Medicare-approved amount for most doctor services, outpatient therapy and durable medical equipment.ⁱ
   But you may be responsible for paying a copay of up to $20 for doctor office visits. 
   
   Note: Medicare Part B coinsurances and copayments don’t kick in until after you’ve paid your Part B deductible. With Medigap Plan N, you are still required to pay your Part B deductible. ⁱ 
3. First 3 pints of a blood
   Medigap Plan N covers the first three prints of blood per year. ⁱ
4. Medicare Part A hospice care coinsurance or copayment of a blood  
   Medigap Plan N covers your 5% coinsurance for palliative drugs and respite care under the Part A hospice benefit. ⁱ
5. Skilled nursing facility care
   Original Medicare pays all your skilled nursing care costs for the first 20 days. Typically, you’re responsible for paying for any days after that. Medigap Plan N pays your share for days 21 through 100.
   
   Note: Neither Original Medicare nor Medigap plans pay for any skilled nursing care longer than 100 days.  
6. Medicare Part A deductible
   Original Medicare Part A charges deductibles per benefit period before your Medicare benefits can kick in.
   In 2022, the Part A deductible is $1,556ⁱⁱ. Medigap Plan N covers this cost for you.
7. Foreign travel care
   Original Medicare doesn’t typically cover health care while you’re traveling abroad. However, Medigap Plans M will cover up to 80% of covered foreign travel emergency care if it begins during the first 60 days of your trip.ⁱⁱⁱ   

What’s Not Covered by Medigap Plan N?

As one of the more comprehensive plans, there are only two standard benefits that Medigap Plan D does NOT cover that other Medigap Plans do, including:

• Medicare Part B deductible 
• Medicare Part B excess charges 

Regardless of which Medigap Plan you buy, it will not cover:

• Routine dental, vision or hearing services
• Eyeglasses or contacts
• Hearing aids
• Long-term care or custodial care
• Prescription drugs

How Much Does Medigap Plan N Cost?

Like any Medigap Plan, Plan N comes with monthly premiums. These premiums are set by the insurance company selling the plan and can vary widely by region. There are also several other factors that impact rates like your age, your gender, whether you use tobacco products, if you qualify for any discounts and more. 

It’s best to compare Medigap plans in your area from as many insurance companies as possible. Carriers can offer the same exact plans at different rates. So, comparison shopping will help you find the best rate available to you.   

Note: You’ll still be responsible for paying your monthly Medicare Part A and Part B premiums – although most people don’t have Part A premiums. Make sure to factor in these costs when considering Medigap premiums. 

In addition to your monthly premiums, you’ll be responsible for paying copayments for some services. For doctor visits covered by Medicare Part B, you may be charged up to a $20 copay. For emergency room visits covered by Medicare Part A, you may be charged up to a $50 copay.

Is Medigap Plan K Right for Me?

Whether Medigap Plan N is right for you is going to depend on your health status, budgetary restrictions and lifestyle. It’s also going to depend on how often you visit the doctor, whether you travel abroad, if you prefer to pay less up front for your healthcare in turn for more out-of-pocket costs and more. It’s also going to depend on where you live. For example, if your state allows Part B excess charges, you may want to consider a different Medigap Plan that covers these.

A Medigap Plan N might be right for you if you:

• Rarely visit the doctor
• Like to travel outside the country
• Want to cover unexpected hospital costs but don’t mind copays
• Live in a state that doesn’t allow Medicare Part B excess charges

There are a few plans that are more popular than others, and Plan N tends to be at the top of the list.
You can learn more about the top Medigap plans here.  

If you need help determining which plan is best for you, Ensurem has licensed agents ready to answer your questions. They can also help you compare Medigap plans available in your area from some of the nation’s
top-rated carriers.  

Education is crucial in finding the right Medicare solution for you. With so many Medicare resources out there,
it can be difficult finding a source you can trust. That’s why Ensurem has a Compliance Program dedicated to ensuring our Medicare content meets CMS regulations. So, you can rest assured you’re getting the information you need to make the right coverage decisions. Learn more here.