Medicare Supplement Plan N Review
As a Medicare agent with over 15 years of experience, I’ve guided countless individuals through the maze of Medicare options. One plan that frequently catches the attention of my clients is Medicare Supplement Plan N.
It’s an excellent choice for many, but as with any plan, understanding its overall value is key.
In this guide, I’ll break down everything you need to know about Plan N, so you can make an informed decision.
What Is Medicare Supplement Plan N?
Medicare Supplement Plan N, often referred to as Medigap Plan N, is a type of Medicare Supplement Insurance. It helps cover some of the costs that Original Medicare (Parts A and B) doesn’t pay, such as copayments, coinsurance, and deductibles.
Plan N is especially popular because it offers a balance between comprehensive coverage and affordability. While it doesn’t cover every out-of-pocket expense, it provides significant financial relief, especially for those who frequently access healthcare services.
Key Benefits of Plan N
Here are the primary benefits of Medicare Supplement Plan N:
- Coverage for Medicare Part A Coinsurance and Hospital Costs: Plan N covers hospital stays beyond the standard Medicare limit, including up to an additional 365 days after Medicare benefits are exhausted.
- Coverage for Part B Coinsurance: While you may have a small copay for doctor visits ($20) and emergency room visits ($50), Plan N pays for the majority of Part B coinsurance costs.
- Skilled Nursing Facility Coinsurance: If you require skilled nursing care, Plan N will cover the coinsurance, which can save you thousands of dollars.
- Foreign Travel Emergency Coverage: Plan N includes up to 80% coverage for medical emergencies during international travel, up to plan limits.
- Predictable Costs: Unlike Medicare Advantage plans, Plan N provides predictable out-of-pocket expenses, making it easier to budget.
What Plan N Does Not Cover
While Plan N offers substantial coverage, it’s essential to know its limitations:
- Part B Deductible: You’ll need to pay the annual Part B deductible out of pocket.
- Excess Charges: Plan N doesn’t cover Medicare Part B excess charges, which occur when a provider charges more than Medicare’s approved amount.
- Prescription Drugs: Like all Medigap plans, Plan N doesn’t include Part D prescription drug coverage.
- Vision, Dental, and Hearing: These services are not covered by Plan N. However, standalone policies are available to fill this gap.
Eligibility for Plan N
To enroll in Medicare Supplement Plan N, you must meet the following criteria:
- Enrollment in Medicare Parts A and B: You need to be enrolled in Original Medicare.
- Residency: Plan N is available to residents in most states, but availability may vary.
- Underwriting: If you’re outside your Medigap Open Enrollment Period or don’t qualify for a Special Enrollment Period, you may need to go through medical underwriting.
What’s The Difference Between Medigap Plan N and Plan G?
When it comes to choosing a Medigap (Medicare Supplement) plan, two of the most popular options are Plan N and Plan G. Both plans offer significant benefits, but they differ in cost structure, coverage details, and overall value.
Understanding these differences can help you decide which plan best fits your healthcare needs and budget. Here’s a detailed comparison of Plan N and Plan G:
Coverage Comparison
Plan G Coverage:
Plan G is often referred to as the “gold standard” of Medigap plans because it provides nearly comprehensive coverage. Here’s what Plan G covers:
- Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used).
- Medicare Part B coinsurance or copayments.
- The first three pints of blood for a medical procedure.
- Part A hospice care coinsurance or copayment.
- Skilled nursing facility (SNF) care coinsurance.
- Medicare Part A deductible.
- Medicare Part B excess charges (the amount a provider can charge above the Medicare-approved amount).
- Foreign travel emergency coverage (80% up to plan limits).
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees since Plan F is no longer offered to those who became eligible for Medicare after January 1, 2020.
Plan N Coverage:
Plan N also provides robust coverage but comes with some cost-sharing features. It includes:
- Medicare Part A coinsurance and hospital costs (up to 365 additional days after Medicare benefits are used).
- Medicare Part B coinsurance, with exceptions for certain copayments.
- The first three pints of blood for a medical procedure.
- Part A hospice care coinsurance or copayment.
- Skilled nursing facility (SNF) care coinsurance.
- Medicare Part A deductible.
- Foreign travel emergency coverage (80% up to plan limits).
Notably, Plan N does not cover Medicare Part B excess charges. Additionally, you will pay a copayment of up to $20 for some doctor visits and up to $50 for emergency room visits (waived if you’re admitted).
Premium Costs
Plan G:
Plan G typically has higher monthly premiums compared to Plan N. The cost varies depending on factors such as your age, location, and gender.
However, because Plan G covers Medicare Part B excess charges and has no copayments for office or ER visits, it offers predictable costs for those who frequently use healthcare services.
Plan N:
Plan N’s premiums are usually lower than those for Plan G, making it an appealing choice for cost-conscious individuals. The tradeoff is the potential for additional out-of-pocket expenses due to copayments and the lack of coverage for Part B excess charges.
Out-of-Pocket Costs
Plan G:
With Plan G, your only out-of-pocket expense is the Medicare Part B annual deductible ($257 in 2025, though this amount may vary annually). After meeting this deductible, Plan G covers all eligible expenses, including any Part B excess charges.
Plan N:
Plan N requires you to pay the Medicare Part B deductible and any applicable copayments ($20 for office visits and $50 for ER visits). Additionally, if your provider charges Part B excess charges (up to 15% above the Medicare-approved amount), you’ll be responsible for those costs.
Ideal Candidates for Each Plan
Plan G:
- Individuals who want comprehensive coverage and predictable costs.
- Those who frequently visit doctors or specialists and wish to avoid copayments.
- People who live in states where providers commonly charge Part B excess charges (e.g., Texas, New York).
- Individuals comfortable paying higher premiums for near-complete coverage.
Plan N:
- Healthy individuals who rarely visit doctors and are comfortable with occasional copayments.
- Those who live in states that prohibit Part B excess charges (e.g., Connecticut, Massachusetts, Minnesota, New York, Pennsylvania, and Vermont).
- People seeking a lower-premium Medigap option.
- Medicare beneficiaries who prefer balancing upfront premium savings with some cost-sharing responsibilities.
Additional Considerations
Provider Acceptance:
Both Plan G and Plan N are widely accepted by healthcare providers who accept Medicare, so you’ll have access to a vast network of doctors and facilities.
Travel:
Both plans offer coverage for foreign travel emergencies, making them suitable for those who travel internationally.
Rate Increases:
Medigap plans often experience annual rate increases. Historically, Plan N has shown smaller premium increases compared to Plan G due to its cost-sharing structure.
This trend may appeal to those concerned about long-term affordability.
Which Plan Is Better?
The “better” plan depends on your individual healthcare needs and financial preferences. Here are some key questions to ask yourself:
- Do you visit doctors frequently? If yes, Plan G may be better due to its comprehensive coverage and lack of copayments.
- Are you on a tight budget? If keeping premiums low is your priority and you’re comfortable with some out-of-pocket expenses, Plan N might be a better fit.
- Do you live in a state that allows Part B excess charges? If yes, Plan G’s coverage for these charges could save you money.
- Are you willing to pay more upfront for peace of mind? If so, Plan G’s predictability might be worth the higher premiums.
Real-Life Stories of People Enjoying Medicare Supplement Plan N
Medicare Supplement Plan N has become a popular choice for many people looking for predictable healthcare costs and flexibility. Here are four real-life stories of individuals who found Plan N to be the perfect solution to their healthcare needs.
Barbara: Escaping Medicare Advantage Changes
Barbara had been enrolled in a Medicare Advantage plan for several years. At first, she enjoyed the low premiums and added benefits like gym memberships and vision coverage.
However, over time, she became increasingly frustrated with the annual changes to her plan.
Each year, Barbara had to review a new provider directory and adjust to different copays and coverage limitations.
Her favorite cardiologist, who had been in-network last year, was suddenly no longer covered. On top of that, her out-of-pocket expenses for a recent hospital stay were much higher than expected.
After discussing her options with a trusted insurance advisor, Barbara decided to switch to Medicare Supplement Plan N. Now, Barbara enjoys the predictability of her coverage.
She can see any doctor or specialist who accepts Medicare without worrying about network restrictions.
Although she pays a small copayment for some office visits, she’s relieved to have a consistent and straightforward plan that doesn’t change each year.
“Plan N has given me peace of mind,” Barbara shared. “I no longer have to stress about surprise bills or losing access to my doctors.”
Linda: Doctor No Longer Accepting Medicare Advantage
Linda had been satisfied with her Medicare Advantage plan until her primary care physician, Dr. Reynolds, announced he would no longer accept the plan due to low reimbursement rates.
Losing Dr. Reynolds was a significant blow to Linda, as she had been his patient for over a decade.
Finding a new doctor was a daunting task, especially since many of the in-network physicians for her plan had long waitlists or poor reviews.
After doing some research, Linda decided to enroll in Medicare Supplement Plan N. She was delighted to learn that she could continue seeing Dr. Reynolds because he accepted Medicare.
Switching to Plan N gave Linda the freedom to choose her healthcare providers without being restricted by networks.
“I didn’t want to lose my doctor,” Linda explained. “Plan N let me keep the relationship I’ve built with Dr. Reynolds and gave me confidence in my healthcare decisions.”
Leroy: Seeing the Value in Original Medicare Acceptance
Leroy had always been diligent about his healthcare choices. As he approached Medicare eligibility, he explored both Medicare Advantage and Medicare Supplement plans.
After weighing the pros and cons, he realized how important it was to have the freedom to visit any doctor who accepts Medicare.
“I don’t want to be limited by networks,” Leroy said. “If I need a specialist or have an emergency, I want to know that I can go to the best available doctor.”
Leroy chose Medicare Supplement Plan N because of its affordability and flexibility. The plan’s small copayments for office and emergency room visits were a minor trade-off for the peace of mind he gained.
Leroy has since recommended Plan N to several friends who value access to quality care.
Tom: Flexibility for Snowbirds
Tom and Susan split their time between their homes in Florida and Michigan. When they were enrolled in a Medicare Advantage plan, they constantly worried about whether their healthcare providers in both states were in-network.
Scheduling routine check-ups or finding a specialist during the winter months in Florida was often a challenge.
Tired of the hassle, Tom and Susan decided to switch to Medicare Supplement Plan N. Now, they have the freedom to see any doctor who accepts Medicare, regardless of the state they’re in.
Whether they’re in Michigan for the summer or Florida for the winter, they never have to worry about network restrictions.
“Plan N works perfectly for our lifestyle,” Susan said. “We can focus on enjoying our time in both states without stressing about healthcare logistics.”
These stories highlight the diverse reasons why people choose Medicare Supplement Plan N. Whether it’s escaping annual plan changes, keeping a trusted doctor, valuing broad Medicare acceptance, or needing flexibility for a mobile lifestyle, Plan N continues to be a reliable and flexible choice for Medicare beneficiaries.
Why People Love Medicare Supplement Plan N
Medicare Supplement Plan N is an excellent choice for those who want:
- Lower Premiums: Compared to Plan G, Plan N often costs less monthly.
- Comprehensive Coverage: It covers most out-of-pocket expenses, including hospital stays and emergency care.
- Nationwide Access: Beneficiaries can visit any doctor or hospital that accepts Medicare.
While Plan N does not cover Medicare Part B excess charges and includes small copayments for some services, it remains a popular option for those seeking a practical, cost-effective solution.
Medicare Supplement Plan N isn’t just an insurance plan; it’s a gateway to peace of mind. Whether you’re managing chronic conditions, traveling the country, or enjoying a quiet retirement, Plan N’s benefits empower you to live your life to the fullest.
If you’re considering Medigap options, consult with a licensed Medicare advisor to determine if Plan N fits your needs.
How Much Does Medicare Supplement Plan N Cost?
The average monthly premium for Plan N is $90 to $230 per month. Keep in mind rates can vary from state to state. For example, for a 65-year-old female nonsmoker, a Part N monthly premium’s average is $210 per month in zip code 33311 (Florida).
| Plan Type | Premium Range |
|---|---|
| Plan F | $142-$235 |
| Plan G | $123-$186 |
| Plan N | $86-$129 |
How much you pay for your Medicare Supplement Plan G monthly premium with Mutual of Omaha depends on where you live and your personal health information.
Your actual Medicare Supplement Plan G monthly premium depends on where you live and your personal health information.
Medigap Plan N vs. Medicare Advantage: Which is Better?
Medigap Plan N is a supplement to Original Medicare. It helps cover out-of-pocket costs like coinsurance, copayments, and deductibles.
Medicare Advantage, on the other hand, is an all-in-one alternative to Original Medicare, often bundled with additional benefits like dental, vision, and prescription drug coverage. At first glance, Medicare Advantage may appear more comprehensive and affordable, but the reality is often more complicated.
Why I Recommend Plan N
1. Freedom of Choice
One of the greatest advantages of Medigap Plan N is the freedom it provides. With Plan N, you can see any doctor or specialist who accepts Medicare—no referrals, no networks. This is particularly important if you have preferred healthcare providers or anticipate needing care while traveling.
Medicare Advantage plans, by contrast, often limit you to a network of doctors and hospitals, with additional costs for out-of-network care. Even worse, some Advantage plans have narrow networks that may not include the top hospitals or specialists you need.
2. Predictable Costs
Medigap Plan N offers a level of predictability that Medicare Advantage plans often lack. While you will pay a monthly premium for Plan N, your out-of-pocket costs are typically minimal.
Plan N includes small copayments for doctor visits and emergency room visits but eliminates surprise expenses like coinsurance for hospital stays or skilled nursing care.
Medicare Advantage plans, despite their low (or even $0) premiums, frequently come with higher copays, deductibles, and out-of-pocket maximums.
Additionally, with Medicare Advantage, you could face high costs for specialized treatments, durable medical equipment, or extended hospital stays.
3. No Hidden Trade-Offs
Medicare Advantage plans often advertise low premiums and added perks like gym memberships or dental care. However, these perks come with trade-offs. Many Medicare Advantage plans require prior authorization for certain treatments or services, adding bureaucratic hurdles to your care. This can delay or even deny access to needed treatments.
With Plan N, your care decisions are between you and your doctor—no pre-approvals or insurance company interference. Furthermore, Medicare Advantage plans’ additional benefits often have significant limitations; for example, dental and vision coverage may be capped or only cover basic services.
4. Superior Coverage for Serious Health Needs
If you develop a chronic condition or require extensive medical care, Medigap Plan N’s comprehensive coverage can save you thousands of dollars. Medicare Advantage plans’ annual out-of-pocket maximums can be as high as $8,850 for in-network services in 2025, and that doesn’t include out-of-network costs, which can quickly add up.
With Plan N, you’re only responsible for the Medicare Part B deductible and small copayments, making it a more cost-effective option for long-term health needs. In some cases, Medicare Advantage’s cost-sharing structure discourages beneficiaries from seeking care, potentially worsening their health outcomes.
5. Stability Over Time
Another issue with Medicare Advantage plans is that they can change annually. Networks, costs, and benefits are subject to revision, which means your plan this year might not meet your needs next year.
This lack of stability can force you to switch plans or providers regularly, creating unnecessary stress. Medigap Plan N, on the other hand, provides consistent coverage year after year, offering peace of mind and stability.
6. Limited Access to Quality Care
While Medicare Advantage plans are marketed as cost-saving, their cost-control measures often come at the expense of access to quality care. Many plans use step therapy, requiring you to try less expensive treatments before approving the one your doctor recommends.
Additionally, some Advantage plans exclude certain top-tier hospitals or specialists entirely, leaving you with fewer options for advanced care.
Who Should Consider Plan N?
Medigap Plan N is an excellent option for individuals who value:
- Freedom to choose their healthcare providers
- Predictable and manageable out-of-pocket costs
- Comprehensive coverage without restrictions or red tape
It’s particularly beneficial for those who travel frequently, live in rural areas with limited provider networks, or have ongoing medical needs that require specialized care.
Final Thoughts
Choosing between Medigap Plan N and Medicare Advantage is a significant decision that depends on your healthcare needs, budget, and personal preferences.
However, in my years of experience, I’ve found that Medigap Plan N consistently provides greater flexibility, reliability, and peace of mind than Medicare Advantage plans.
If you’re looking for a Medicare solution that prioritizes your healthcare over the insurance company’s bottom line, Plan N deserves serious consideration.
Article Resources:
- Types of Medigap Plans
- How Much Do Medigap Plans Cost?
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
Disclaimer:
Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.
