Medigap Monday: What is Medicare Supplement Plan N?

Medicare Supplement Plan N is also called Medigap Plan N. Medicare Supplement Plan N is a great option for people that want the benefits of having a Medicare Supplement Plan, however want to keep a lower monthly premium.

Since the Medicare supplement Plan N has a lower premium than the Plan F and G, it does cover less. There are only 4 out of pocket costs that the Plan N requires you to pay compared to the Plan F.

  1. The Part B Deductible. (2018 this is $183.00 for the whole year.)
  2. $20.00 Doctor copay.
  3. $50.00 ER copay.
  4. Part B Excess charges. (NOTE, in Pennsylvania and Ohio, Providers cannot charge Part B Excess Charges. Therefore, especially in PA and OH, Plan N is a GREAT option.)

If you are under 70 years old, the price difference between the Plan G and N is usually not enough to choose the Plan N over the Plan G. However, once you are over 70 years old, it might be a good idea to switch from a Plan G to a Plan N.