Understanding Medigap Plan N: Comprehensive Coverage for Medicare Beneficiaries

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Medigap Plan N is one of the standardized Medicare Supplement Insurance plans available to Medicare beneficiaries. It is designed to fill the gaps in coverage left by Original Medicare (Part A and Part B). Medigap plans are offered by private insurance companies, and Plan N is regulated by federal and state laws to ensure consistency in benefits across different insurers.

Hospital Coverage

Medigap Plan N covers the following hospital-related expenses:

  1. Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted.
  2. Part A deductible for hospitalization.

Medical Expenses

When it comes to medical expenses covered by Medigap Plan N, the following benefits are provided:

  1. Part B coinsurance or copayment, except for certain office visits or emergency room visits that result in hospital admission.
  2. Part B deductible.
  3. Excess charges above the Medicare-approved amount, which may be charged by healthcare providers who don’t accept Medicare assignment.

Skilled Nursing Facility Care

Medigap Plan N covers the coinsurance for skilled nursing facility care, ensuring that you have assistance when needed.

Blood Coverage

Plan N provides coverage for the first three pints of blood needed for a medical procedure.

Foreign Travel Emergency

If you’re a frequent traveler or plan to travel outside of the United States, Medigap Plan N offers coverage for emergency medical care during your trips.

Cost-Sharing and Out-of-Pocket Expenses

While Medigap Plan N offers comprehensive coverage, it does require beneficiaries to share some costs. Here are the out-of-pocket expenses you may encounter:

  1. You will be responsible for paying the Part B deductible.
  2. For certain office visits or emergency room visits that do not result in hospital admission, you may have a copayment of up to $20.

How Does Medigap Plan N Compare?

Medigap Plan N provides substantial coverage, but it’s important to compare it with other Medigap plans to determine which one best suits your needs. Here’s a brief comparison:

  1. Medigap Plan F: Plan F offers the most comprehensive coverage but tends to have higher premiums. Plan N provides similar coverage but with lower premiums, making it a more cost-effective option for many beneficiaries.
  2. Medigap Plan G: Plan G is very similar to Plan N, offering similar coverage except for the Part B deductible. Plan N has a lower monthly premium compared to Plan G, but it requires you to pay the Part B deductible out of pocket.
  3. Medigap Plan C: Plan C is another option with similar coverage to Plan N, but it will not be available for new beneficiaries starting January 1, 2020. Existing Plan C policyholders can keep their coverage.


In conclusion, Medigap Plan N is a comprehensive supplemental insurance plan that offers coverage for various expenses not covered by Original Medicare. It fills the gaps in coverage, providing you with financial peace of mind and protection against unexpected healthcare costs. When considering your options, be sure to compare Medigap plans and choose the one that aligns with your healthcare needs and budget.


  • Medigap Plan N is a comprehensive supplemental insurance plan for Medicare beneficiaries.
  • It covers hospital expenses, medical expenses, skilled nursing facility care, blood coverage, and foreign travel emergencies.
  • Plan N requires cost-sharing, including the Part B deductible and copayments for certain office or emergency room visits.
  • Medigap Plan N offers a more affordable alternative to Plan F and Plan G, while still providing substantial coverage.
  • Comparing different Medigap plans is crucial to determine the best fit for your individual needs.

Useful Links:

  1. https://www.medicare.gov/: Official website of Medicare, providing authoritative information on Medicare plans and coverage.
  2. https://www.cms.gov/: The official website of the Centers for Medicare & Medicaid Services (CMS), offering valuable resources and updates on Medicare programs.
  3. https://www.ssa.gov/: The Social Security Administration’s official website, where you can find information on eligibility, enrollment, and benefits for Medicare and Social Security.

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