Medicare Supplement Plan N FAQs
What is a Medicare Supplement Plan N?
Medicare Supplement Plan N is a type of coverage that can help to pay for out-of-pocket expenses that usually aren’t covered by Medicare A and Medicare B. It offers a list of comprehensive benefits that are similar to Medigap Plan G and Medigap Plan F.
When you’re searching for a Medicare Supplement plan that is right for you, you may see the terms Part N, Medigap Plan N, or even Medicare Plan N. Medicare Supplement plans are designed to supplement Medicare Part A and Part B by filling in the coverage gaps found in Original Medicare.
Although we have provided an overview of Medicare Supplement Plan N, in this article we’ll address the most popular frequently asked questions.
Which Medigap plan is better G or N?
Medigap Plan G and Plan N are very similar except Plan G covers the Medicare Part B excess charges but Plan N does not so Plan G costs a little more. If you live in one of the states eight states that do not allow doctors to bill you for excess charges, then Plan N will likely be the better choice.
States that do not allow Excess Charges from doctors:
- Connecticut
- Massachusetts
- Minnesota
- New York
- Ohio
- Pennsylvania
- Rhode Island
- Vermont
What is the deductible for Plan N?
Since Plan N does not cover the deductible for Medicare Part B ($233 for 2022), this amount would need to be satisfied before Plan N pays for Part B charges. This deductible is an annual deductible and typically goes up each year. The Medicare Part B deductible increase for 2022 was the highest annual increase in the last 10 years.
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Is Plan N guaranteed issue?
Guaranteed issue rights are available when you first enroll in Medicare Part B and for six months thereafter. During this time a Medigap company cannot use your health status for rates, add a waiting period for pre-existing conditions, or deny issuing a policy. If you miss your open enrollment period, you may qualify under a special enrollment or your state may provide additional opportunities for a special enrollment.
What is the difference between Medicare Plan G and Plan N?
Medicare Supplement Plan G and Plan N are very similar except for one coverage. Plan G does cover the Medicare Part B excess charges (limit of 15% over the Medicare assigned rates for your healthcare service) but Plan L does not. For this reason, Medigap Plan G costs a little more than Medigap Plan N.
What is Medicare Plan N coverage?
A Medicare Supplement Plan N provides the following coverages:
- Medicare Part A coinsurance and hospital costs: 100%
- Medicare Part B copayment or coinsurance: 100%***
- First 3 pints of blood: 100%
- Medicare Part A hospice coinsurance or copayment: 100%
- Skilled Nursing Facility coinsurance: 100%
- Medicare Part A Deductible: 100%
- Medicare Part B Deductible: no coverage
- Medicare Part B Excess Charges: no coverage
- Foreign Travel Medical Emergencies: 80%
Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
How much does Medigap Plan N cost?
Your Medigap Plan N premiums will depend on various factors like gender, age, geographic location, and health status if you are buying during your open enrollment or a special enrollment period. The average rates across the country for Plan N are between $120 and $180 and are in addition to your Medicare Part B monthly premium.
Is Medicare Plan N better than Plan F?
Your Medigap Plan N premiums will depend on various factors like gender, age, geographic location, and health status if you are buying during your open enrollment or a special enrollment period. The average rates across the country for Plan N are between $120 and $180 and are in addition to your Medicare Part B monthly premium.
Does Medicare Plan N cover prescriptions?
Medicare Supplement plans (Medigap) do not cover retail prescription drugs. If you want prescription drug coverage, you can purchase a Medicare Part D prescription drug plan or a Medicare Advantage plan that includes prescription drug coverage.
Does AARP Medicare Supplement Plan N cover dental?
Medicare Supplement plans (Medigap) do not cover retail prescription drugs. If you want prescription drug coverage, you can purchase a Medicare Part D prescription drug plan or a Medicare Advantage plan that includes prescription drug coverage.
What is the difference between Medicare Plan F G and N?
Although Medicare Plan F, G, and N offer similar coverages, there are differences in the benefits they provide:
| Coverage | Plan F | Plan G | Plan N |
| Part A Coinsurance and Hospital Costs | 100% | 100% | 100% |
| Part B Coinsurance or Copayment | 100% | 100% | 100%*** |
| Blood – 1st 3 pints | 100% | 100% | 100% |
| Part A hospice care coinsurance – copayment | 100% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 100% |
| Part A Deductible | 100% | 100% | 100% |
| Part B Deductible | 100%* | X | X |
| Part B Excess Charges | 100% | 100% | X |
| Foreign Travel Emergency Medical | 80% | 80% | 80% |
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
Does Plan N cover Part A deductible?
Plan N does cover the Medicare Part A deductible but will cover the Medicare Part B deductible.
Does Medigap Plan N cover excess charges?
Medicare Supplement Plan N does not cover the Medicare Part B deductible or excess charges, which are the difference in cost between what a health provider charges for a medical service and the Medicare-approved amount. Medicare Plan N will not cover the copay or coinsurance for doctor’s office and emergency room visits.
The Bottom Line
Like most seniors who are new to Medicare, there are likely many other questions that you may have about which Medicare Supplement is right for you. To get answers to any other questions about Medigap insurance, contact the Medicare Solutions Team at 844-528-8688, or contact us through our website 24/7.
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