Medicare Plan N is a Medicare Supplement (Medigap) insurance plan. It is sometimes mistakenly called "Medicare Part N," but Plan N is not a separate part of Medicare — it works alongside Original Medicare Parts A and B to help pay many of the copayments, coinsurance amounts, and other out-of-pocket costs Original Medicare leaves for you to pay.
This guide breaks down what Plan N covers, what it costs, how it compares to Plan G, and includes a free calculator to find your personal break-even point.
The Basics
Medicare Plan N is a standardized Medicare Supplement, or Medigap, plan sold by private insurance companies. It works alongside Original Medicare rather than replacing it: Medicare pays first for covered services, and Plan N then helps pay many of the remaining Medicare-approved costs.
Quick Answer
Medicare Supplement Plan N covers many of the out-of-pocket costs left by Original Medicare. It covers the Medicare Part A hospital deductible, hospital and hospice coinsurance, skilled nursing facility coinsurance, the first three pints of blood, and most Medicare Part B coinsurance.
Plan N does not cover the annual Medicare Part B deductible or Medicare Part B excess charges. You may also pay up to $20 for some office visits and up to $50 for an emergency-room visit that does not result in an inpatient admission.
Plan G isn't automatically the smarter choice. For many healthy retirees, Plan N's small copays add up to far less over a year than Plan G's higher premium — the real question is whether that trade fits how often you actually see a doctor.
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Coverage Breakdown
Receiving care in Pennsylvania? Pennsylvania prohibits Medicare Part B excess charges for services received within the state. If you receive care in another state, that state's rules may apply, so it's still worth asking whether the provider accepts Medicare assignment.
Side by Side
| Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital costs | Covered | Covered |
| Part B coinsurance | Covered | Covered, with copays |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | $0 | Up to $20 |
| ER visit copay (not admitted) | $0 | Up to $50 |
| Typical monthly premium | Higher | Often lower, but varies by carrier |
Benefits shown are standardized nationally for each plan letter. Premiums vary by carrier, age, gender, location, and tobacco status.
The Main Trade-Off
No. Medicare Supplement Plan N does not cover Medicare Part B excess charges. An excess charge can occur when a healthcare provider accepts Medicare patients but does not accept Medicare assignment and charges more than the Medicare-approved amount. Federal rules generally limit this additional amount to 15%.
You can usually avoid excess charges by asking whether the provider accepts Medicare assignment before receiving care. Plan G covers Part B excess charges; Plan N does not.
What You'll Pay
The cost of Medicare Plan N includes more than its monthly premium. You may also pay the annual Medicare Part B deductible, up to $20 for some office visits, up to $50 for certain emergency-room visits, and potential Part B excess charges.
Plan N premiums vary by insurance company, age, ZIP code, gender, tobacco use, household discounts, and the company's pricing method. Because every company provides the same standardized Plan N medical benefits, comparing carriers usually comes down to premium, rate history, discounts, and service.
In 2026, the annual Medicare Part B deductible is $283.
Do the Math
Plan N may save you money when its lower premium outweighs the copays and other costs you expect to pay. Enter your numbers for a simplified comparison.
$0
Enter your numbers above to see your estimated annual savings with Plan N.
This is a simplified estimate. Actual copays may be lower or may not apply to every visit, and this estimate doesn't include ER copays, excess charges, or your specific quoted premiums. It's a starting point for the conversation, not a quote — we'll run your real numbers together.
Is Plan N Right for You?
Why It Works
The benefits are standardized, but the premiums, discounts, and carrier reputation aren't. Getting an apples-to-apples comparison usually takes more than one website.
We're licensed Medicare agents based in Bethlehem, PA. Our help costs you nothing — insurance companies pay us, never you.
We pull actual quotes from multiple carriers so you can see real numbers, not national averages.
We'll run your specific visit history and quoted premiums to show which plan actually costs less for you.
Client Reviews
Real clients have shared what it was like to compare their options with our help.
“I contacted Dave Scallion about applying for Medicare after being referred to him by a friend. That turned out to be an excellent referral. Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions and even assisted with some of the application process.”
Robert Haffner Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google review“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare. David is professional in every aspect of customer service and is always ready to answer questions and clarify information.”
Bob Bromiley Google reviewCommon Questions
We'll pull actual Plan N and Plan G quotes for your ZIP code, run your break-even math, and help you apply for whichever plan actually fits your situation — with no pressure and no obligation.
No pressure. No call-center runaround. Just clear help comparing Medigap plans from Lehigh Partners Senior Benefits.
Lehigh Partners Senior Benefits is an independent, licensed insurance agency. Plan availability, benefits, premiums, underwriting, and enrollment rules vary by carrier, state, and individual circumstances. This page is educational and does not guarantee acceptance, savings, or pricing. Calling the number on this page will connect you with a licensed insurance agent. Lehigh Partners Senior Benefits is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every Medigap plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all available options.
