Medicare Supplemental Insurance Plans
Learn about available Medigap plans designed to fill gaps in Original Medicare coverage.
Explore Medicare Supplemental Insurance (Medigap) Plan N
Medigap Plan N offers lower premium costs in exchange for out-of-pocket copayments.
Read on to learn more about Medigap Plan N or call to speak to an agent who can help you find plans in your area.
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Medicare Supplement Plan N benefits and coverage
Medigap Plan N, also referred to as Medicare Supplement Plan N, is a Medicare supplemental insurance plan available to those enrolled in Original Medicare (Medicare Parts A & B) through the federal government. Created in 2010, Medigap Plan N provides supplemental coverage at a lower premium cost in exchange for paying the following costs out of pocket:
Up to $20 for doctor visits
Up to $50 for emergency room visits
Your $240/year annual Medicare Part B deductible
View the list and table below to see in detail what is and is not covered when you enroll in Medicare Supplement Plan N.
What Plan N Covers from Medicare Part A (Hospital Services)
Hospitalization: semi-private room and board, general nursing, services, and supplies
With Plan N, your Medicare Part A deductible is covered, so you pay $0 out of pocket for:
your first 60 days in the hospital,
your 61st-90th days in the hospital,
60 lifetime reserve days in the hospital,
an additional 365 days in the hospital, and
beyond the additional 365 days in the hospital.
Skilled nursing facility care: requires entering a Medicare-approved facility within 30 days of discharge from a hospital stay of no less than three days
With Plan N, your Medicare Part A deductible is covered, so you pay $0 out-of-pocket for:
your first 20 days in the facility,
days 21-100, and
days 101 and beyond.
Hospice care: includes pain relief, symptom management, and support for the terminally ill
With Plan N, you pay $0 out of pocket for hospice services with a doctor’s certification of terminal illness.
Blood
With Plan N, you pay $0 out of pocket for your first three pints of blood per calendar year.
What Plan N Covers from Medicare Part B (Medical Services)
Medical expenses: including physician services, inpatient and outpatient surgical services and supplies, physical and speech therapy, tests, and equipment
With Plan N, you pay the first $240 of Medicare-approved amounts for medical services (the Medicare Part B deductible). After this, much of the remainder of your costs are covered, except for a $20 copayment for office visits and a $50 copayment for emergency room visits.
Part B excess charges: the up to 15% extra a healthcare provider may charge for services
With Plan N, your excess charges are covered.
Blood
With Plan N, you pay $0 out of pocket for your first three pints of blood per calendar year, as well as any more needed beyond the next $240 worth of Medicare-approved amounts.
Clinical laboratory services
With Plan N, you pay $0 out of pocket for diagnostic tests.
How Plan N compares to other Medicare Supplement options
Benefit Coverage | Plan N | Plan A | Plan B | Plan C | Plan F | Plan G | Plan K | Plan L |
|---|---|---|---|---|---|---|---|---|
Medicare Part A | Partial | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Medicare Part B | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% |
Blood (first three pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% |
Hospice | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% |
Skilled nursing facility coinsurance | Yes | No | No | Yes | Yes | Yes | 50% | 75% |
Medicare Part A deductible | Yes | No | Yes | Yes | Yes | Yes | 50% | 75% |
Medicare Part B deductible | No | No | No | Yes | Yes | No | No | No |
Medicare Part B excess charges | No | No | No | No | Yes | Yes | No | No |
Foreign travel emergency coverage | No | No | No | Yes | Yes | Yes | No | No |
Out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | N/A | $7,060 | $3,530 |
Frequently asked questions about Medigap Plan N
Who is eligible for Medigap Plan N?
To be eligible for Medicare supplemental insurance plans such as Medigap Plan N, you must be enrolled in Original Medicare (Parts A & B) through the federal government. Your enrollment period for Medigap coverage lasts for six months after enrolling in Original Medicare for the first time.
How do I enroll in Medigap Plan N?
Anytime during your Medicare supplement enrollment period, which lasts for six months after enrolling in Original Medicare for the first time, you can shop plans such as Medigap Plan N online or give us a call at 1-888-269-5570 Monday through Friday from 6 am to 5 pm MT to speak to an expert, licensed, U.S.-based agent.
Does Medigap Plan N have a deductible?
With Medigap Plan N, you still need to pay the Medicare Part B yearly deductible, which is $240 for 2024.
Does Medigap Plan N have a maximum out-of-pocket limit?
Because of lower upfront premiums, Medigap Plan N requires copayments for office and emergency room visits. There is no out-of-pocket maximum for these payments, which are $20 per office visit or $50 per emergency room visit.
Are my Medigap options limited based on the state I live in?
Medigap plans are standardized across most states. If you live in Massachusetts, Minnesota, or Wisconsin policies are not standardized in the same way, which may limit your plan availability. To be sure, give us a call at 1-888-269-5570 Monday through Friday from 6 am to 5 pm MT to speak to an expert, licensed, U.S.-based agent.
Medicare resources
Medicare Annual Enrollment Period 101
When is the Medicare Annual Enrollment Period? Get answers to this and other AEP-related questions.
Medicare Enrollment Overview
Get fast facts about Medicare Enrollment, including when you qualify and when to enroll.
Clearlink Insurance represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 275 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
For accommodations of persons with special needs at meetings call TTY 711.
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