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Medigap Plan N: Everything You Need to Know

By Kyle Kirkland
Medigap Plan N shares some benefits with the other nine Medigap plans, but there are some key differences. Here's how Medigap Plan N can help you manage healthcare costs.

Medigap is a type of insurance policy that can help close the gaps in your Original Medicare (Parts A and B) coverage. Medigap Plan N is one of the 10 different types of Medigap policies standardized by Medicare. Each lettered plan offers specific benefits, and your needs and budget will influence the selection of your ideal policy. Here’s everything you need to know about Medigap Plan N.

What Does Medigap Plan N Offer?

First things first: You must be enrolled in Original Medicare (Parts A and B) to be eligible for any Medigap plan. 

The Centers for Medicare and Medicaid Services also notes that, although Medigap is offered by Medicare, you’ll ultimately buy your policy from a private insurer who tailors their policy’s coverage according to Medicare’s standards. Medicare standardizes Medigap plans according to 10 letters, A-N. The specific lettered plans available, and their corresponding private insurers, will vary according to your location. 

According to the official Medicare website of the U.S. government, all Medigap Plan N policies offer 100% coverage of the following:

  • Part A coinsurance and hospital costs, up to an additional 365 days after Medicare benefits are used up
  • The first 3 pints of transfused blood
  • Part A hospice care coinsurance or copayment
  • Coinsurance for skilled nursing facility care

Medigap Plan N will also cover 80% of foreign travel exchange, up to your specific policy’s limits. 

In addition, Medigap Plan N offers complete coverage of your Part A deductible. A deductible is the amount that you pay for healthcare before your insurance plan kicks in. While other Medigap plans offer only partial coverage of the Part A deductible, or no coverage for it at all, Plan N pays the entire deductible immediately. 

It’s also important to note that, even though Medigap Plan N covers all of the Part B coinsurance, you may owe a copay for office visits.

“With a Medicare supplement Plan N, whenever you see a doctor for a diagnosis or evaluation you will pay up to a $20 copay. It doesn't matter if it is a primary care doctor or a specialist—it's no more than $20,” Matthew Claassen, independent broker and CEO of MedigapSeminars.org, tells WebMD Connect to Care.

“If you go into an emergency room, there is up to a $50 copay that is waived if you end up staying as an inpatient in the hospital,” Claassen adds.

Medigap Plan N is one of the cheapest in terms of the monthly cost. “A person who is most likely to be comfortable with a Plan N is a person who likes to save money and doesn't mind taking on some responsibility to do so,” Claasen says. 

While Medigap policies typically do not cover services such as dental care, the right policy can bring you peace of mind as it covers costs that may increasingly mount as you get older. 

Get started now. 

Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? WebMD Connect to Care Advisors may be able to help.