Medicare Supplement Plan N
Out of the 10 available Medigap plans, one of them stands out as the most economical for most people.
That plan is Medicare Supplement Plan N, which provides outstanding coverage!
In fact, there’s only one other Medigap plan offered that has more coverage which is Medicare Plan G. But the higher premiums, and higher rate increases each year don’t make sense for most people.
Let’s look at some common questions that people have about Medicare Supplement Plan N and learn why it’s quickly becoming the most popular Medigap plan!
Click below to learn more about Plan N!
Medigap Plan N Coverage
Medicare Parts A and B offer quite a bit of coverage, but they do not pay all your medical bills.
There are “gaps” in both of them. These gaps are simply expenses that they do not cover, and you are required to pay.
A Medigap plan can help pay most of these gaps for you, leaving you with very few medical bills.
By staying with Original Medicare Part A and B, you are eligible to visit any doctor, specialist, or hospital in this country that accepts Medicare.
And your Medigap plan will follow right along with it, picking up various expenses that Original Medicare doesn’t pay.
Medigap Plans
There are 10 Medigap plans available, but most people enroll in one of just a few plans.
The biggest factor to consider is every company has the same plans and the same benefits. They all charge different premiums, however, which makes getting help from an independent agency such ourselves a must.
The most popular Medigap Plans are:
- Medigap Plan G
- Medigap Plan N
- High-deductible Plan G
Plan N Medicare
Plan N has been increasing in popularity every year since it first was introduced in 2010.
This is because over the years we have seen the rate increases for the more popular plans such as Plan F and G increase as time goes on.
The reason Plan N is now so popular is that it has much lower premiums than Medigap Plan G. In fact Plan N can be anywhere from $20 – $30 less per month than Plan G.
For people who are healthy and don’t visit their doctor very often, this can really add up to great savings.
To see how much Plan N is in your area, just fill out the form to the right.
You will then see the rates for Plan N and G from the most popular companies to see how much you can save by switching to Medicare Plan N.
Medicare Plan N Coverage
Like all Medigap plans, you will pay a low monthly premium to have Medigap Plan N.
When first using your coverage, you will need to pay what is called the annual Part B deductible. Remember, Medicare Part B covers doctor’s services.
And prior to Medicare Part B paying any of your medical bills, you have to pay a small deductible, once per year. In 2021 this deductible amount was $203, and in 2022 it’s slightly higher.
Once you meet this deductible, Medicare will pay 80% of your medical bills and Plan N will come in and pay the remaining 20%. After this is paid, if you visit the doctor again you might need to pay a small co-pay, but it’s never more than $20 per visit.
The actual co-pay amount ranges from $0 – $20 per visit, as it just depends on what they code the visit for. This co-pay does not apply for any telehealth visits you might have, so that’s good.
Emergency Room co-pay
With Plan N, if you visit the emergency room for something and you are not admitted to the hospital, you’ll be required to pay a $50 co-pay. Urgent care centers do not charge this.
Medicare Part B excess charges
Medicare Plan N does not cover any Medicare Part B excess charges, but these are quite rare.
Doctors who accept Medicare typically also accept the assigned rates that Medicare allows them to charge. This means if Medicare states a certain office visit has a $100 charge, that is the only amount doctors can charge.
If a doctor does not accept the assigned rates from Medicare for their practice, then they’re allowed to charge up to 15% extra. These doctors are very rare though, in fact only about 4% of doctors in the entire country do this.
And in the event you do end up seeing one, statistics show these excess charges are extremely low, often less than $20.
If you wish to see if your doctor accepts Medicare assignment, just visit Medicare’s website to look up your provider. You may do that now by clicking here.
States That Do Not Charge Excess Charges
The following states are not even allowed to charge Part B excess charges by law:
- CT
- MN
- OH
- PA
- RI
- VT
- MA
- NY
Who Can Enroll in Plan N?
Like all Medicare Supplements, in order to enroll in Plan N you must have both Medicare Part A and B in place, or at least have your enrollment date be within the next 6 months.
Unless you qualify for Social security disability or you will continue to work and stay on employer health coverage, for most people this will be on their 65th birthday.
We can help you find the right plan and apply up to 6 months prior to you turning age 65, or 3 months prior to retiring if you are over 65.
This is the beginning of your open enrollment period. You’ll want to enroll at this time, if at all possible. You get the best rates at this time, and no insurance company can deny your application, and that’s why we recommend you try to enroll at this time.
Changing Medigap Plans
If you currently have Medigap coverage and you’d like to switch to Plan N, or you’re just trying to save money by changing companies, there’s good news.
You do not have to wait until the Medicare open enrollment period to change Medigap plans if you already have one.
We can help you apply any time during the year.
Leaving a Medicare Advantage Plan
If you are disenrolling from your Medicare advantage plan and wanting to return to Original Medicare and a Medigap Plan, in most cases you will have to wait until October 1st which is the open enrollment period.
If approved, your new Medigap plan will begin coverage on January 1st of the following year.
If you are in the first 12 months of trying an advantage plan for the very first time, call us today!
We can change you right now back to Medicare and a Medigap Plan. Call us at 1-888-891-0229

How Do I Save Money on Plan N?
Each company offering Medicare supplement plans is required to provide coverage within each plan letter that meets federal guidelines.
Medigap plans are standardized by the government, which means they are all identical regardless of which company we help you sign up with.
Their monthly premiums however are all entirely different, and they have rate increases each year. That’s why our FREE service has helped thousands of people over the years, as we shop the rates each year so you don’t have to.

Calling us direct is the easiest way to get started, however, if you’d like to see rates now from the top companies, simply fill out the form to the right.
You will then view rates for the most popular Medigap plans, particularly Plan N, to see how much it costs in your area.
Medigap Plan N Rates are Determined by:
- Age
- Zipcode
- Tobacco use
- Gender
- Household discount qualification
We can help you decide which plan and company are best for you. Just call us today at 1-888-891-0229.
Medicare Plan N vs Plan G
There is a high probability that you will be choosing between Medicare Plan N or Plan G for your Medigap coverage. Below are some pros and cons of each to help you learn:
Medicare Plan N Pros:
- Lower Monthly premiums than Plan G
- Lower yearly rate increases than Plan G
- Pay one low deductible, then 100% coverage on medical expenses
- Small co-pays possible with doctor’s visits (no more than $20 per visit)
Medicare Plan N Cons:
- Possible co-pays per doctor’s visit (Could add up if you visit the doctor often)
- Does not cover Medicare Part B excess charges (Very Rare, so very small con)
Medicare Plan G Pros:
- Great coverage, pay just one small deductible ($203 in 2021)
- Relatively low premiums for such great coverage
Medicare plan G Cons:
- Higher premiums than Plan G
- Higher rate increases than Plan G
Click below to learn more about Medicare Plan N vs Plan G
Who Is Selling Plan N?
We represent the top companies when it comes to Medigap Plans.
Whether you call us direct or use our FREE quote engine to the right, you’ll see rates for Plan N and Plan G from some of the most competitive companies.
Remember, there’s never any need to pay more than you should for Medigap insurance, it’s all the same! We shop the rates for you now, and for years to come to make sure you’re always paying the least amount possible.
Below are some of the top companies offers Medicare Plan N.
Aetna
With Aetna, you can enjoy a very customer-friendly experience. They specialize in inconvenience, making it easy to file a claim or navigate their online resources. They’ll help you find a healthcare facility near you that is part of their network, and they offer member perks that give their plans real value.
Humana
You’ll enjoy all sorts of healthy living programs with Humana as your insurer. They have exercise and dieting programs and offer free access to gyms all over the country. They also keep their rates competitive with the other insurers, and you’ll find that their Medigap plans get good ratings from Medicare each year. Humana is also well known within the industry for having great customers service.
Mutual of Omaha
This insurer has been offering Medicare plans since they first became available, and they have excellent customer service and competitive rates. Mutual of Omaha is also known for its financial stability, so you can expect them to keep similar rates from year to year and should only see minor price increases.