Medigap Plan N Overview

Medigap Plan N is a Medicare Supplement plan that fills in some of the gaps in Original Medicare. While Medigap Plan N covers many of the offered benefits of Medicare Supplement plans, it can offer a lower monthly premium than some other plans because  some copays, Part B Deductible and Excess Charges are not covered.

Remember Medigap plans are designed to complement Original Medicare Part A and Part B. Below is a list of what you would pay under Original Medicare alone, and then what you would pay if you enroll in Medigap Plan N.

Medigap Plan N Benefit Details

Benefits Original Medicare Alone Original Medicare With Medigap Plan N
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,484* You pay $0
Hospital days 61-90 You pay $371 per day You pay $0
Hospital Days 91-150 You pay $742 per day (lifetime reserve days) You pay $0
Beyond Lifetime Reserve Days You pay 100% You pay $0 up to an additional 365 hospitalization days.
Skilled Nursing Facility Care Days 1-20 You pay $0 (Part A deductible applies)** You pay $0
Skilled Nursing Facility Care Days 21-100 You pay $185.5 per day You pay $0
Hospice Respite Care You pay 5% You pay $0
First 3 Pints of Blood You pay 100% You pay $0
Additional Blood You pay $0 You pay $0
Part B Annual Deductible You pay $203 You pay $203
Ambulance You pay 20% (Part B deductible applies) You pay $0 after Part B deductible
Doctor’s Office Copays/Coinsurance You pay 20% (Part B deductible applies) You can pay up to $20 for some office visits (Part B deductible applies)
Durable Medical Equipment You pay 20% (Part B deductible applies) You pay $0 after deductible
Part B Excess Charges* You pay 100% (Part B deductible applies) You pay 100% (Part B deductible applies)
Foreign Travel Emergency You pay 100% You pay 20%***
Out-Patient Surgery You pay 20% (Part B deductible applies) You pay $0 after Part B deductible
Emergency Room You pay 20% (Part B deductible applies) You pay $50 (Part B deductible applies)

*Some states do not allow excess charges: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont

Next Steps for Medigap Plan N

Get quote: Click here to see prices for Plan N
Learn more about Medigap Plan N
Check out Medigap Plan Detail Overview where you can find every Medigap plan available.

The fine print of the Medigap Plan N Chart Above

*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.

**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,484).

***Foreign Travel Emergency requires a deductible of $250. You will have to have your emergency within the first 60 days of travel, and the plan has a lifetime coverage amount of $50,000.