Medigap Plan D Vs Plan N: What’s the Difference?

Medicare Supplemental Plan D and N look identical but they are not!

by Katie Banks+ on Apr 03, 2014 | 2 Comments

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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 if you look at the chart below, they look like they cover exactly the same things.

So let’s compare Plan D vs Plan Nmedigap chart.

UPDATE: 2014 out of pocket max for K is $4,940, and for L $2,470

Check out the columns for Medigap D and N and you will see they look nearly identical.
The two plans look similar in benefits covered except for plan N has an asterisk next to it. The asterisk eventually leads you to info that explains the difference. If you read the fine print, you will learn that 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: Plan D or Plan N?

The answer, of course, depends on the price. If N is significantly cheaper than D, then go for it. If it is not less expensive,  than 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 it’s less expensive counter part Plan F high-deductible.

Next Steps

The first thing you will want to do is get a 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. Click on the button below to get a instant medigap quote.

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Reader Comments and Questions

By Joanie on November 30, 2017

In Plan N, What doctors have a copay - PCP and Specialists? Is the copay always $20? Does a Physical Therapy visit have a copay?

Check out the link to our Plan N details page where we provide a chart that shows more details than this page. If you would like a quote or to enroll in Plan N, please give us a call.
-Michelle from

By Phil on January 29, 2017

Looking for Medicare supplement Plan D

We'd be happy to help you find Medigap Plan D! Please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

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