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What Is Medigap Plan N?

Original Medicare Parts A and B only cover 80% of hospital and medical bills. Medigap Plan N pays the 20% coinsurance not covered by Parts A and B. Medigap Plan N is another name for Medicare Supplement Plan N. 

Moreover, Medicare Plan N is a standardized plan with the same coverage benefits for all insurance carriers. In other words, all Medicare Insurance Companies who offer Plan N, such as Aetna, Mutual of Omaha, and UnitedHealthcare (AARP), provide you with the same coverage benefits.

Medicare Plan N Vs Plan G

Medicare Plan N has the same great coverage benefits as Medicare Plan G, except it requires you to make a copayment of up to $20 for some office visits. For example, a primary care doctor may charge you $8 to $12.

Furthermore, Medicare Supplement Plan N requires you to make up to $50 copayment for emergency room visits that do not result in an inpatient admission. In other words, if you go to the emergency room and get discharged without being admitted as an inpatient, you can pay up to a $50 copayment.

Medicare Part D Cost
Medigap Plan N Benefits chart

What Does Medigap Plan N Cover?

Medigap Plan N provides the same standard coverage benefits, no matter where you purchase the plan. In other words, Medigap plan N has the same coverage regardless of which insurance company you choose. All Medigap Plan N policies include the following benefits:

What Medigap Plan N Does Not Cover

As shown in the Medigap Plan N Benefits chart above, Plan N does not cover the Part B deductible, which is $233 in 2022. As a result, you first pay a $233 annual deductible before Medicare Part B covers your medical service or equipment. Furthermore, Medigap Plan N does not cover Medicare Part B excess charges. Consequently, any provider who does not accept Medicare assignment can charge you up to 15% more than the Medicare-approved price.

The Medigap Plan N Benefits chart does not show two instances where you make copayments. 

In contrast to Medicare Advantage plans, Medigap plans, including Plan N, do not cover vision, dental, hearing, or prescription drugs. However, you can get prescription drug coverage by enrolling in Medicare Part D.

Defer Medicare doctor
Medigap Plan N

How Does Medicare Plan N Compare To Other Plans?

Medigap Plan N has the same coverage benefits as Plan D, except there are no copayments. When you step up to Plan D, you will not pay a $20 copayment for outpatient doctor visits, nor will you spend a $50 copayment for emergency room visits. 

Alternatively, you can step down to a more affordable Plan M, which only covers 50% of Part A Deductible. For example, if a doctor admits you to the hospital, you must first pay $778 (half of Part A deductible in 2022) before Medicare covers your hospital bills. You can use the Medigap Benefits Chart to compare all Medigap plans.

Who Is Eligable For Medicare Plan N?

To be eligible for any Medicare Supplement Plan, including Plan N, you must have Medicare Part A and Part B. If you have not signed up, discover how you can apply for Medicare. You can sign up for Medicare Part A and Part B during your 7-month Initial Enrollment Period. 

You are first eligible for Medicare when you turn age 65. However, if you did not sign up when you were first eligible, you can sign up during the General Enrollment Period between January 1 – March 31 each year.

Medicare Initial Enrollment Period

When you enroll in Medicare outside of your 7-month Initial Enrollment Period, Medicare Supplement insurance companies will ask you health questions. Moreover, Medigap insurance underwriting can deny coverage based on health conditions. Furthermore, the Medigap insurance provider may charge you more based on the underwriting interview. Thus, the best time to buy a Medigap plan is when you first become eligible.

Medicare enrollment period calendar

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