What is Medicare Supplement Plan N?
Medicare Supplement Plan N (Medigap Plan N) is a low-cost alternative to Plan G and Plan F. It provides comprehensive coverage but requires small copays for doctor and emergency room visits.
What Does Plan N Cover?
✅ 100% Coverage of:
- Medicare Part A Deductible ($1,632 per benefit period in 2024)
- Medicare Part A Coinsurance & Hospital Costs
- Medicare Part B Coinsurance (except small copays for doctor & ER visits)
- Skilled Nursing Facility (SNF) Coinsurance
- Foreign Travel Emergency Coverage (80% up to plan limits)
- First 3 Pints of Blood
❌ Does Not Cover:
- Medicare Part B Deductible ($240 in 2024)
- Medicare Part B Excess Charges (if a doctor charges more than Medicare’s approved rate)
- $20 Copay for Doctor Visits
- $50 Copay for Emergency Room (unless admitted)
�� Plan N is a budget-friendly alternative to Plan G with small out-of-pocket costs.
Who Can Enroll in Medicare Supplement Plan N?
✅ Anyone eligible for Medicare Part A & Part B can enroll in Plan N.
- You can apply during your Medigap Open Enrollment Period (when you first enroll in Medicare Part B) for guaranteed approval.
- If you apply later, you may have to pass medical underwriting, which means insurance companies can deny coverage or charge higher premiums based on your health.
�� Plan N is available to all Medicare beneficiaries, including those who became eligible after 2020.
Average Monthly Premiums for Plan N by Age (2024 Estimates)
Premiums vary based on state, gender, tobacco use, and pricing method (community-rated, issue-age-rated, or attained-age-rated). Below are estimated national averages:
| Age | Average Monthly Premium for Plan N |
| 65 | $90 – $160 |
| 66 | $95 – $170 |
| 67 | $100 – $180 |
| 68 | $105 – $190 |
| 69 | $110 – $200 |
| 70 | $120 – $220 |
| 71 | $130 – $240 |
| 72 | $140 – $260 |
| 73 | $150 – $280 |
| 74 | $160 – $300 |
| 75 | $170 – $320 |
| 76 | $185 – $340 |
| 77 | $200 – $360 |
| 78 | $215 – $380 |
| 79 | $230 – $400 |
| 80 | $250 – $430 |
| 81 | $270 – $460 |
| 82 | $290 – $480 |
| 83 | $310 – $500 |
| 84 | $330 – $520 |
| 85 | $350 – $550 |
�� Plan N costs less than Plan G but includes small copays and does not cover excess charges.
Total Out-of-Pocket Costs for Plan N Over 10 Years
To estimate total costs, we consider monthly premiums + Part B deductible ($240 per year) + estimated copays ($300 per year) over 10 years.
| Age | 10-Year Premium Cost (Low-High) | 10-Year Part B Deductible | 10-Year Copays | Total Cost Over 10 Years |
| 65 | $10,800 – $19,200 | $2,400 | $3,000 | $16,200 – $24,600 |
| 70 | $14,400 – $26,400 | $2,400 | $3,000 | $19,800 – $31,800 |
| 75 | $20,400 – $38,400 | $2,400 | $3,000 | $25,800 – $43,800 |
| 80 | $30,000 – $51,600 | $2,400 | $3,000 | $35,400 – $57,000 |
�� Plan N saves money compared to Plan G but includes some out-of-pocket expenses.
Is Plan N Worth It?
✅ Pros:
- Lower premiums than Plan G
- Ideal for healthy individuals who don’t see doctors frequently
- Covers major medical expenses while keeping costs lower
❌ Cons:
- Doctor visit copays ($20 per visit)
- ER copay ($50, waived if admitted)
- Does not cover Part B excess charges, which could add costs if a doctor charges more than Medicare allows
�� Plan N is great for cost-conscious individuals who rarely visit the doctor.
Final Thoughts: Should You Get Plan N?
- If you want the lowest premiums and can handle small copays, Plan N is a great value.
- If you visit doctors often or want full coverage, Plan G is better because it covers excess charges and has no copays.
- If you prioritize the lowest premium with some out-of-pocket costs, Plan N is the best choice.
Would you like help comparing Plan N rates in your area? ��
