The other day we received a call from a client who wanted to know the difference between Medicare Supplement Plan D and Medicare Supplement Plan N. That is a very good question because at first glance they look like they cover exactly the same things.
So let’s compare Medigap Plan D vs Plan N
Check out the columns for Medigap Plan D and Medigap Plan N and you will see they look nearly identical.
UPDATE 2026: Out of pocket max for Plan K is $8,000, and for Plan L $4,000 (Fuente: CMS.gov)
The two plans look similar in benefits covered except for plan N has an asterisk next to it. This is because Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission. That’s it. In plain English, if you go with Plan N it should be slightly less expensive each month but you are subject to copays for office and emergency room visits.
So Which is Better: Medigap Plan D Vs Plan N
The answer, of course, depends on the price. If Plan N is significantly cheaper than Plan D, then go for it. If it is not less expensive, then D is the better choice as it will save you from paying copays. Both plans do not cover Medicare Part B excess charges and the Part B deductible which can add up, so you will want to consider Medigap Plan F and its less expensive counter part Plan F high-deductible.
Note: High Deductible Plan F is only available if you were eligible for Medicare before January 1, 2020. If you’re new to Medicare, look at High Deductible Plan G instead. Its deductible is $2,950 in 2026, the same as High Deductible Plan F, and once it’s met the plan covers everything regular Plan G does.
Get a Medigap Quote Enroll in Medigap
Next Steps
The first thing you will want to do is get an instant and online Medigap Quote to 1) determine if either Plan D or Plan N is offered in your area (many companies don’t offer them) and 2) Find out the price. Feel free to drop a comment/question in the section below or directly call one of our licensed agents at 800-930-7956.