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Medigap Plan N

💬 What does Medigap Plan N cover and how much does it cost?

Medigap Plan N
Updated:
April 1, 2021

Plan N is a generic Medicare Supplement (Medigap) insurance plan, which ensures it provides the same coverage for all carriers. With the addition of a $20 co-payment for office visits and up to $50 for emergency room visits, Medigap Plan N covers 100 percent of the Medicare Part B coinsurance costs.

The following benefits are included in Medigap Plan N:

Up to 365 days after Original Medicare benefits expire, Part A hospital coinsurance and hospital expenses are covered.
Section A copayment or coinsurance for hospice treatment
Deductible for Part A  Costs of Part B coinsurance (except for office visits and emergency room visits)
Costs of Part B coinsurance (except for office visits and emergency room visits)
Coinsurance for preventive treatment under Part B
In a surgical operation, the first three pints of blood are used.
Coinsurance for skilled nursing facilities (SNFs)
The Medicare Part B premium and excess expenses are not covered by Medigap Plan N, so the recipient is liable for covering these costs out of pocket.

The advantages of Medigap Plan N are almost identical to those of Plan D, with the exception of how it handles Medicare Part B coinsurance costs. Except for a $20 copayment for office visits and a $50 copayment for emergency department visits, Medigap Plan N covers 100 percent of Part B coinsurance costs. These are entirely protected by Medigap Plan D, making this approach appealing to those who are willing to pay co-payments for doctor or emergency room visits on a regular basis.

Plan N is a Medicare Supplement insurance plan that you can compare to other Medicare Supplement insurance policies.
Plan N is a Medicare Supplement insurance plan that you can compare to other Medicare Supplement insurance policies.
Medigap Plan N prices, like all Medigap plans, can vary depending on the carrier. The price a person would pay for a Medigap Plan N policy is determined by how a particular insurance carrier "values" the premiums. For those looking for extensive coverage, Medigap Plan N might be a good alternative. Since it is not the most comprehensive Medicare Replacement insurance plan, it is recommended that you compare the specifics of all ten Medigap policies to find the one that best suits your needs.

Medigap Plan N Plan Cost Comparison by State

You can expect to pay between $155-$296 for a Medigap Plan N in Maine.
The pricing for each Medigap Plan N in Maine depends on your age and gender. For the Price Quotes below, they are based on either MF and age 65 for the city of Augusta, ME and the zipcode 4330.

Medigap Plan N

Comparison Chart 2021

Age
Gender
Premium Low
Premium High
65
MF
$
155
$
296
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan N

Benefits

Skilled nursing facility is available
Part A deductible is available
Foreign travel emergency is available

Medigap Plan N

Exclusions

Part B deductible is not available
Part B excess charges is not available
Learn More About:
Medigap Plan N
You can expect to pay between $80-$1,220 for a Medigap Plan N in Tennessee.
The pricing for each Medigap Plan N in Tennessee depends on your age and gender. For the Price Quotes below, they are based on either MF and age 65 for the city of Nashville, TN and the zipcode 37219.

Medigap Plan N

Comparison Chart 2021

Age
Gender
Premium Low
Premium High
65
MF
$
80
$
1220
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan N

Benefits

Skilled nursing facility is available
Part A deductible is available
Foreign travel emergency is available

Medigap Plan N

Exclusions

Part B deductible is not available
Part B excess charges is not available
Learn More About:
Medigap Plan N
You can expect to pay between $79-$490 for a Medigap Plan N in Virginia.
The pricing for each Medigap Plan N in Virginia depends on your age and gender. For the Price Quotes below, they are based on either MF and age 65 for the city of Richmond, VA and the zipcode 23219.

Medigap Plan N

Comparison Chart 2021

Age
Gender
Premium Low
Premium High
65
MF
$
79
$
490
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan N

Benefits

Skilled nursing facility is available
Part A deductible is available
Foreign travel emergency is available

Medigap Plan N

Exclusions

Part B deductible is not available
Part B excess charges is not available
Learn More About:
Medigap Plan N

Medigap Plan N

Questions & Answers

Check soon for Medicare Questions, Answered.