Medicare Supplement

Medicare Supplement Plan N

Plan N offers strong Medigap coverage at a lower monthly premium than Plan G. You pay small copays at the point of service — up to $20 for office visits and up to $50 for emergency room visits that do not result in inpatient admission.

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What Plan N covers

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted

Part B coinsurance (except for copays at the point of service)

Part A deductible

Skilled nursing facility care coinsurance

Foreign travel emergency (up to plan limits, after a deductible)

Hospice care coinsurance or copayment

Blood (first 3 pints)

Plan N does not cover the annual Part B deductible or Part B excess charges. You also pay up to $20 for office visits and up to $50 for emergency room visits that do not result in inpatient admission.

Plan N vs Plan G — the key difference

Plan N typically has a lower monthly premium than Plan G. The tradeoff is that Plan N does not cover Part B excess charges — the additional amount (up to 15% above Medicare-approved rates) that providers who do not accept Medicare assignment may charge. Plan N also requires small copays at the point of service.

If your doctors accept Medicare assignment, excess charges are not a factor and Plan N's lower premium may be the better value. If you frequently see providers who do not accept assignment, Plan G's excess charge coverage may be worth the higher premium.

See the full Plan G vs Plan N comparison

When to enroll in Plan N

The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period — the six-month window that begins the month you are both age 65 or older and enrolled in Medicare Part B. During this window, insurers cannot use medical underwriting to deny coverage or charge higher premiums based on health status.

Outside of open enrollment, you may need to answer health questions and could be denied coverage or charged more. Guaranteed issue rights apply in specific situations — such as losing employer coverage or a Medicare Advantage plan leaving your area.

Questions about enrollment timing? Start with the Turning 65 Medicare guide.

Plan N rates in Florida

Plan N premiums are generally lower than Plan G premiums from the same carrier. Rates vary by carrier, your age, your ZIP code, and the rating method the carrier uses.

An independent broker can compare Plan N and Plan G rates side by side for your specific situation. William Gray is licensed in Florida and represents multiple carriers.

Get a Plan N rate comparison Call 1-800-DUDE-309 (800-383-3309)

Related resources

Compare Plan G and Plan N side by side Medicare Supplement cost and rate factors Get a Medigap rate comparison Turning 65 and choosing Medicare coverage Medicare Supplement overview

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