Medigap Plan N explained
Broad coverage, small copays, usually a lower premium than Plan G.
Plan N covers most of the same gaps as Plan G. In exchange for a typically lower premium, you pay small copays for some visits, and Plan N doesn't pay Part B excess charges.
What Plan N covers
- Part A coinsurance, hospital costs and 365 extra hospital days.
- The Part A deductible.
- Part B coinsurance, except copays of up to $20 for some office visits and up to $50 for emergency room visits that don't result in inpatient admission.
- First 3 pints of blood, hospice and skilled nursing facility coinsurance.
- 80% of foreign travel emergency care, up to plan limits.
What Plan N doesn't cover
- The Part B deductible ($283 in 2026).
- Part B excess charges from providers who don't accept assignment.
When Plan N works well
Plan N can suit people who see doctors a moderate amount and use providers who accept assignment. If you see specialists often, or live where many doctors don't accept assignment, the copays and excess charges can close the premium gap with Plan G.
Common questions
Up to $20 for some office visits and up to $50 for emergency room visits that don't lead to admission.
Amounts, up to 15% above the Medicare-approved amount, that providers who don't accept assignment can bill. Plan N doesn't pay them; Plans F and G do.
Want help with your own choices?
Every state runs a State Health Insurance Assistance Program (SHIP) with trained counselors who give free, unbiased Medicare help and do not sell plans. Find yours on our Medicare by state pages, or call Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week).
Planning the rest of your coverage in retirement? We can help with life insurance later in life and final expense coverage.
Sources
- Choosing a Medigap Policy (March 2026), Centers for Medicare & Medicaid Services. Checked September 29, 2026.
- Compare Medigap plan benefits, Medicare.gov. Checked September 29, 2026.
General information about the federal Medicare program, not advice about your situation. Figures are for 2026 unless stated and change every year; last reviewed September 29, 2026. Quote My Policy is a private company. Not connected with or endorsed by the United States government or the federal Medicare program.
Quote My Policy does not sell Medicare plans on this site. For plan-specific help, contact Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week) or your State Health Insurance Assistance Program.