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Medicare Supplement (Medigap) Plans – Plan N

October 6, 2016

Medicare Part B Coinsurance

Medicare Supplement Plan N came into effect on June 1st, 2010 as part of the Medicare Improvements for Patients and Providers Act (MIPPA). Like the other nine standardized Medicare Supplement (Medigap) plans, Plan N has its own set of standard benefits, which include the following:

  • Medicare Part A hospital coinsurance and costs up to 365 days after Original Medicare benefits run out
  • Part A hospice care copayment or coinsurance
  • Part A deductible
  • Medicare Part B coinsurance costs (except up to a $20 co-payment for office visits and up to $50 for emergency room visits that don’t result in hospital inpatient admission)
  • First three pints of blood used in a medical procedure
  • Skilled Nursing Facility coinsurance
  • Up to 80% of Medicare-approved emergency care when traveling in another country (up to plan limits)

The Medicare Supplement Plan N benefit package is similar to Medicare Supplement Plan D with the exception of how it covers Medicare Part B coinsurance costs. 100% of the Part B coinsurance costs are covered by Plan N except up to a $20 copayment for office visits and up to $50 for emergency room visits, while costs are completely covered under Plan D.

Note that Medigap Plan D is not the same as Medicare Part D . In fact, Medigap plans sold today don’t include prescription drug coverage, but you can sign up for it. Read more about Medicare prescription drug coverage.

Medigap premiums vary among plans and insurance companies. For Medicare Supplement Plan N, one may find that the premium is generally lower than those of most other lettered plans.

Be aware that Medicare Supplement Plan N coverage as described above is the same in every state where it’s available, regardless of which insurance company provides it, although some companies may offer additional innovative benefits. The premium associated with this plan, however, may vary widely depending on how the insurance company rates the plan’s premiums. This rating scale may be based on age and premiums could increase over time, so you may want to compare plan coverage, costs, and availability before deciding on a Medigap plan.

You can review the benefits of Medigap Plan N against other Medigap plans with our Medigap plan benefit comparison.


Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.