Medicare Supplement Plan N

Understanding Medicare Supplement Plan N with FTJ Senior Insurance 

Medicare Supplement Insurance plans—also known as Medigap—are designed to help cover out-of-pocket healthcare expenses that Original Medicare (Parts A and B) doesn’t pay. Medicare Supplement Plan N is a popular option, offering broad coverage for most costs not covered by Medicare, with affordable premiums. (Note: Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans.) 

What Does Medicare Supplement Plan N Cover? 

Plan N fills most coverage gaps left by Original Medicare. The only gaps not covered are the Medicare Part B deductible ($283 in 2026) and any excess charges under Part B (charges above the Medicare-approved amount). 

Plan N covers: 

• Hospital Expenses: 100% of Part A hospital costs, including all coinsurance and deductible expenses, for up to 365 days after Original Medicare benefits are exhausted. 

• Medical Expenses: 100% of Medicare Part B coinsurance or copayments, except for up to $20 copayment for some office visits and up to $50 copayment for emergency room visits not resulting in admission. 

• Blood Transfusions: The first three pints of blood needed for a medical procedure. 

• Hospice Care: Part A hospice care copayment or coinsurance. 

• Skilled Nursing Facility Care: Coinsurance for skilled nursing facility care.

• Foreign Travel Medical Emergencies: 80% of approved costs (up to plan limits) for medical emergencies while traveling abroad. 

Not covered by Plan N: 

• Part B Deductible: You pay the annual Part B deductible ($283 in 2026).

• Part B Excess Charges: Providers who don’t accept Medicare assignment may charge up to 15% more than the Medicare-approved amount. 

• Prescription Drugs: Plan N does not cover prescription drugs. You can purchase a separate Medicare Prescription Drug Plan (Part D) for medication coverage. 

 

Who Can Benefit from Medicare Supplement Plan N? 

Plan N is ideal for those who want broad coverage at a lower monthly premium than Plan F or Plan G, and are comfortable with small copays for office and ER visits. It’s a great choice for people who want predictable costs and nationwide coverage. 

Advantages of Plan N 

• Broad coverage at an affordable price 

• Lower monthly premium than Plan F or Plan G 

• Covers most out-of-pocket costs after Original Medicare 

Disadvantages of Plan N 

• Does not cover the Part B deductible or Part B excess charges 

• Small copays for office and ER visits 

How Much Does Medicare Supplement Plan N Cost? 

Monthly premiums for Plan N are set by private insurance companies and depend on factors like your location, age, gender, health status, and more. Premiums can vary between companies for the same coverage. 

With Plan N, you’ll pay the Medicare Part B deductible ($283 in 2026), up to $20 per doctor visit, and up to $50 for emergency room visits not resulting in hospitalization. 

How Pricing Works 

Medigap policies can be priced in three ways: 

• Community-Rated: Same premium for everyone, regardless of age. 

• Issue-Age-Rated: Premium is based on your age when you buy the policy, and won’t increase as you age. 

• Attained-Age-Rated: Premium is based on your current age, and increases as you get older. 

When to Enroll in Medicare Supplement Plans 

• When You’re First Eligible: The best time to enroll is during your Medigap Open Enrollment Period, which starts the first month you’re 65 and enrolled in Medicare Part B. During this six-month window, you can buy any Medigap policy sold in your state, regardless of health status, and you’ll generally get the best prices and choices. 

• After Open Enrollment: You can still apply for Medigap coverage, but acceptance and pricing may depend on medical underwriting. 

Have questions or want a personalized quote? 
Contact FTJ Senior Insurance today—our licensed agents are here to help you find the right Medicare Supplement plan for your needs.