Medigap
Plan N
Lower premium alternative to Plan G with small copays at office visits ($20) and ER ($50). Does not cover Part B excess charges.
The quick version
If you only read one thing, read this
- 1
Covers Part A deductible, Part A/B coinsurance, blood, SNF coinsurance, and foreign travel emergency. Does not cover Part B deductible or Part B excess charges.
- 2
Monthly premium (typically $90–$150, lower than Plan G) + Part B premium ($202.90 in 2026) + Part B deductible ($283) + small copays.
- 3
Guaranteed issue during Medigap OEP or qualifying events; medical underwriting applies outside those windows.
The details
The stuff that matters, one piece at a time
Benefits
Covers Part A deductible, Part A/B coinsurance, blood, SNF coinsurance, and foreign travel emergency. Does not cover Part B deductible or Part B excess charges.
What it costs
Show me the money
- Monthly Premium Range
- $90–$150 USDLower premium than Plan G
- Part B Premium (2026)
- $202.90 USDStandard; IRMAA surcharges may apply
- Part B Deductible Left
- Yes ($283)All current plans except F leave it (F closed to most new enrollees)
- Office Visit Copay
- Up to $20Per visit
- ER Copay (not admitted)
- Up to $50Waived if admitted
- Part B Excess Charges
- Not coveredYou pay if doctor doesn't accept assignment
The honest take
What's good, and where it falls short
The good stuff
- Lower premium than Plan G (typically $90–$150/month)
- Same broad nationwide provider access
- Good value for healthy enrollees with few office visits
The catch
- Up to $20 office visit copays and $50 ER copays
- Part B excess charges not covered
- No drug, dental, or vision coverage
Head to head
Plan N vs. Plan G
Plan N saves on premium but has point-of-service costs.
Buyer beware
The mistakes that cost folks the most
Underestimating cumulative office ($20) and ER ($50) copays if you visit frequently
Ignoring Part B excess charges. They can run up to 15% above Medicare-approved amounts if your doctor doesn't accept assignment
Switching from G to N for lower premium without modeling your actual visit frequency and specialist usage
Common questions
What folks ask us most
Keep learning
Watch these next
The Insurance Hawk
Ready to put Plan N to work?
See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.