Medigap Plan N — predictable + lower premium.

Plan N is the second most popular Medigap plan, typically $30-$60/month cheaper than Plan G. The trade-off: you pay $20 office visit copays, $50 ER copays (waived if admitted), and the Part B deductible. In states that ban Part B excess charges, Plan N is often the best value.

Get a Plan N quote — call (866) 534-1886

What Plan N covers

Part A coinsurance and hospital costs (up to 365 additional days)
Part B coinsurance or copayment (with $20 office / $50 ER copays)
Skilled nursing facility coinsurance
Part A hospice coinsurance
Blood (first 3 pints)
Foreign travel emergency (80% to $50K lifetime)

What Plan N doesn't cover

Part B deductible ($259 in 2026)
Part B excess charges (only matters in 9 states that allow them)
Prescription drugs (need separate Part D plan)
$20 office visit copay
$50 ER copay (waived if you're admitted as inpatient)

Plan N pros + cons

Pros

$30-$60/month cheaper than Plan G. Same network freedom (no network). Predictable monthly costs with small copays. Great value in states that ban Part B excess charges (most of the U.S.).

Cons

$20 copay every office visit and $50 copay every ER visit add up if you use a lot of care. Doesn't cover Part B excess charges — meaningful only in 9 specific states (CT, MA, MN, NY, OH, PA, RI, VT — actually these states BAN excess charges, making Plan N's lack of excess coverage irrelevant). Doesn't cover Part B deductible.

Who Plan N is best for

Healthy people who don't see doctors often, who want lower monthly premium, and who live in states that ban Part B excess charges (most of the U.S.). Great long-term value for people who expect typical use.

Typical premium

$100-$170/month for a 65-year-old non-smoker (varies by state, gender, ZIP). Premiums vary significantly by carrier — same Plan N benefits, very different prices. Standardized benefits mean shopping by price is straightforward.