Medigap Plan N – Medicare Supplement

Medigap Plans
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,880 $2,940 N/A N/A

2020 Data – Table Source

What Is Medigap Plan N?

Medigap Plan N is similar to Plan D, with differences in how it covers Part B expenses. Specifically, Plan N pays 100 percent of your Part B co-insurance, but you have a $20 co-pay for some office visits. In addition, you have a co-pay of up to $50 for emergency room visits that do not result in an inpatient admission.

Medicare supplement Plan N has 100% coverage for the Medicare Part A deductible but no coverage for the Medicare Part B deductible. Medicare supplement Plan N does cover the basic core benefits, which include complete coverage for Part A inpatient hospital coinsurance, the total expense for inpatient hospital care for 365 days after Medicare benefits run out, blood services (initial three pints), coinsurance expenses for Medicare Part B, Part A hospice coinsurance, and the emergency benefits for travelling abroad, up to 80%. All of the Medicare supplement Plans include some level of hospice care.

Plan N may be a good option if your goal is lowering out-of-pocket responsibilities. Not all insurance carriers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is the right fit for you. Most insurance carriers offer a variety of plans, so our licensed sales agents can help you shop around for the plan that best fits your needs.


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The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PPFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

Price Cutter Pharmacy is providing this tool as a service for its customers and is not involved in choosing plans that are displayed, nor recommends or endorses any plans made available at this site.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.

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Last Updated 09/01/2019