Medigap Plan N Details

Find out how Medigap Plan N works and what it covers

by Senior 65+ on Oct 22, 2015 | 5 Comments

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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 copays, Part B Deductible and Excess Charges are left to deal with.

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 $1,408* You pay $0
Hospital days 61-90 You pay $352 per day per day You pay $0
Hospital Days 91-150 You pay $704 per day 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 $176 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 $198 You pay $198
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
Urgent Care You pay 20% (Part B deductible applies) You pay $0 after Part B deductible

*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 ($1,408).
***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.
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Reader Comments and Questions

By Oscar on November 22, 2018

Good morning.! Why there is so much difference in prize on medigap plan G medical insurance Companies? Thank you. Oscar

Medigap plan G is often the best priced plan largely due to the fact it is a very popular plan and many insurance companies are competing to get your business. If you would like to compare cost or learn how G is different from N or other plans, please give us a call at 800-930-7956.
-Chris from

By Judy on November 28, 2016

In New York, the excess charges are limited to 5%. Also, in NY, you are not subject to underwriting if you change plans as long as you have "continuous coverage." The copay for plan N says, "up to $20." I have been told that it depends on the reason for the visit and what code is used by the doctor when the claim is submitted. Here's my question: What would be the copay for physical therapy, mental health counseling, and any other long-term therapy? This is where it can add up. If going for physical therapy 3 times a week with a $20 copay per session, that would be $60 per week and approximately $240 per month. Just wondering if you can offer any specifics with regard to this.

Yes, it is true about guaranteed issue plans for NY, but it is not true that there is a 5% limit -as New York has instituted the MOM Law (Medicare Overcharge Measure) with does not allow for any excess charges.

To get to your question, yes, you could be charged a copay every time you see any doctor or physical therapist.

If you need help finding a Medigap plan in your area, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Kim Boyd on July 12, 2016

Do you have to pay the office visit co-pays until you meet your deductible on plan G? That would be an awful lot of office visits if that is the case.

You are correct! With Medigap Plan G, you will have to pay 100% toward your Part B costs, until you meet your Part B deductible. This means that you would pay the full cost of doctor's office visit -which is generally quite a bit higher than a copay, your durable medical equipment, drugs administered by your doctor, and any other service covered under Part B. However, the deductible isn't very high, and you should meet that rather quickly. If you need help finding a Plan G plan, please call one of our licensed independent insurance agents at 800-930-7956.
-Amy from

By Debbie on February 23, 2016

I am still confused by the term "excess charges" with Plan N. Are these excess charges only up to the Part B $166. deductible or in excess of It? If so, then please help me understand what these excess charges would be capped at? Thank you!

Excess charges are charged by providers who do not accept Medicare-assignment. While you will still owe your Part B deductible, your Part B deductible and excess charges do not have any other direct correlation, and there is no cap on how much you can spend on excess charges. To limit your out of pocket costs, consider that only Medigap G and F cover excess charges.
-Amy from

By Lee on October 29, 2015

Can you please tell me the major differences between plans G and N? Do they both go through underwriting? As for plan N not covering ‘excess charges,’ do excess charges usually amount to a lot, I have no idea. And on the comparison chart, co-pay amounts aren’t listed; do all medigap plans have co-pays for office visits? On top of all that, do most medigap plans not have a max. out of pocket per year? Lots of questions I know… if you answer these, thank you!

Thank you for your questions.

1) The major difference between G and N are: G covers your excess charges and you are not charged copays. Whereas, Medigap Plan N charges you $20 copays for doctors visits and $50 emergency room copays, and doesn't cover your excess charges
2) If you enroll when you're first eligible for Medigap, you will not have to go through underwriting. However, Medigap G and N are not guaranteed issuance at any other time and you will have to answer medical questions (such as first enrolling in Part B after 65 and leaving your job-based insurance)
3) Excess charges could add up, as it is up to 15% over what Medicare covers.
4) Medigap Plans K and L require that you pay a percentage of your copays and coinsurance, but only N has that separate copay.
5) Medigap Plans L and K put a cap on what you can spend based on the percentage you pay out. But the rest of the plans do not have caps -because the majority of the plans limit your liability and a cap would be redundant.

Hope this helps!
-Amy 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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