Plan N helps pay many of the Medicare-approved costs left behind by Original Medicare in exchange for a potentially lower monthly premium, small office and ER copays, and no coverage for Part B excess charges. Compare what it covers, what it costs, and how it fits your situation before you check rates in your ZIP code.
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Lower premium in exchange for small, predictable copays.
Some office visits and non-admitted ER visits carry a copay.
See any doctor or hospital that accepts Medicare, nationwide.
Plan N isn't automatically the budget pick. For many healthy retirees, Plan N's small copays add up to far less over a year than Plan G's higher premium — the real question is whether that trade fits how often you actually see a doctor and whether excess charges are a risk where you live.
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Coverage Breakdown
Plan N benefits are standardized in most states. Massachusetts, Minnesota, and Wisconsin standardize Medicare Supplement plans differently. Coverage is also guaranteed renewable — once your policy is issued, the insurance company generally cannot cancel it because your health changes, as long as you pay the premium and follow the policy terms.
Coverage information and 2026 deductible figures are based on Medicare.gov's Medigap benefit comparison. Benefits and amounts may change in future years.
Receiving care in Pennsylvania? Pennsylvania prohibits Medicare Part B excess charges for services received within the state, which removes one of Plan N's main trade-offs versus Plan G for care received here. If you receive care in another state, that state's rules may apply, so it's still worth asking whether the provider accepts Medicare assignment.
See how Plan N helps lower your out-of-pocket costs under Medicare Parts A and B, benefit by benefit.
How Medicare and Plan N pay / What you pay
| Part A inpatient hospital deductible ($1,736 in 2026) | Plan N pays the 2026 deductible of $1,736. You pay $0. |
|---|---|
| Hospital days 1–60 | Medicare covers the stay after the deductible; Plan N covers the Part A deductible. You pay $0 for covered hospital cost sharing. |
| Hospital days 61–90 | Plan N pays the daily Part A coinsurance of $434 in 2026. You pay $0. |
| Lifetime reserve days 91–150 | Plan N pays the daily Part A coinsurance of $868 in 2026. You pay $0. |
| Additional hospital coverage | Plan N covers up to 365 additional lifetime days after Medicare benefits are exhausted. You pay $0 for eligible covered expenses. |
| Skilled nursing facility days 1–20 | Medicare generally pays 100%. You pay $0. |
| Skilled nursing facility days 21–100 | Plan N pays the Medicare coinsurance, up to $217 per day in 2026. You pay $0. |
| Skilled nursing facility after day 100 | Original Medicare coverage generally ends after day 100 in a benefit period. You are responsible for all costs after that unless another form of coverage applies. |
| Hospice care | Plan N pays the Part A hospice copayment or coinsurance. You pay $0 for covered cost sharing. |
| First three pints of blood | Plan N covers the first three pints when needed. You pay $0. |
How Medicare and Plan N pay / What you pay
| Annual Part B deductible ($283 in 2026) | Plan N pays $0. You pay $283. |
|---|---|
| Doctor and outpatient office visits after the deductible | Medicare generally pays 80%; Plan N pays most of the remaining 20% coinsurance. You may owe a copay of up to $20 for the visit. |
| Emergency room visits after the deductible | Medicare generally pays 80%; Plan N pays most of the remaining coinsurance. You may owe a copay of up to $50 if the visit doesn't result in an inpatient admission. The copay generally doesn't apply if you're admitted. |
| Part B excess charges | Plan N does not pay excess charges. You are responsible for the difference, up to 15% above the Medicare-approved amount, if your provider doesn't accept Medicare assignment. |
| Durable medical equipment after the deductible | Medicare generally pays 80%; Plan N pays the remaining 20%. You pay $0 for covered cost sharing. |
| Diagnostic laboratory tests | Medicare generally pays 100% for covered tests. You pay $0. |
| Home health services | Medicare generally pays 100% for covered services; Plan N pays applicable covered cost sharing. Usually $0. |
| First three pints of blood | Plan N covers the first three pints. You pay $0. |
What You'll Pay
There is no single Medicare Plan N price nationwide. Premiums vary by ZIP code, insurance company, age, tobacco use, discounts, and state rating rules. Plan N's premium is usually lower than Plan G's, but the total cost also depends on the copays and any excess charges you may pay over the year. In our August 19, 2026 review of ten sample ZIP codes, the lowest displayed Plan N rates for a 65-year-old female non-tobacco applicant ranged from $79.70 to $146.20 per month, averaging $103.10 across the areas sampled.
In most states, companies offering standardized Plan N provide the same standardized benefits, so comparing the same coverage across several insurers is one of the only ways to find a meaningful price difference. What isn't standardized is how each company prices that coverage. Insurance companies use different rating methods: community-rated plans charge the same premium regardless of age, issue-age-rated plans base your premium on your age when you first enroll and it doesn't increase simply because you get older, and attained-age-rated plans are usually priced lowest at 65 but increase as you age, sometimes substantially over time.
This is the main reason the lowest starting premium isn't always the best long-term value — and why comparing more than one company's Plan N rate, and understanding how that company prices future increases, matters as much as today's quote. It also helps to understand how Medicare Supplement premium increases work and when changing companies may require medical underwriting.
| City | State | ZIP Code | Lowest Displayed Plan N Rate |
|---|---|---|---|
| Austin | Texas | 78748 | $79.70/mo |
| Detroit | Michigan | 48221 | $89.47/mo |
| Lafayette | Louisiana | 70508 | $84.54/mo |
| Bethlehem | Pennsylvania | 18015 | $84.69/mo |
| Sedona | Arizona | 86336 | $88.79/mo |
| Bozeman | Montana | 59715 | $87.35/mo |
| Scottsdale | Arizona | 85262 | $87.35/mo |
| Newport Coast | California | 92657 | $146.20/mo |
| The Villages | Florida | 32162 | $141.44/mo |
| Winter Park | Florida | 32789 | $141.44/mo |
Rate methodology: Sample rates were researched August 19, 2026 for Medicare Supplement Plan N using a female applicant, age 65, non-tobacco, with a requested December 1, 2026 effective date. The figures shown are the lowest displayed monthly premiums in each sampled ZIP code and are provided for comparison purposes only. They are not a quote for any specific person. Rates, eligibility, discounts, policy fees, and available companies may vary.
See Pennsylvania Medicare Supplement rate research →
See Texas Medicare Supplement rate research →
Learn how the same Plan N coverage may be available at a lower rate →
Plan N may save you money when its lower premium outweighs the copays and other costs you expect to pay. Enter your numbers for a simplified comparison.
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Enter your numbers above to see your estimated annual savings with Plan N.
This is a simplified estimate. Actual copays may be lower or may not apply to every visit, and this estimate doesn't include ER copays, excess charges, or your specific quoted premiums. It's a starting point for the conversation, not a quote — we'll run your real numbers together.
Compare Your Options
| Feature | Plan N | Plan G |
|---|---|---|
| Part A hospital costs | Covered | Covered |
| Part B coinsurance | Covered, except certain copays | Covered |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B excess charges | Not covered | Covered |
| Office visit copay | Up to $20 | $0 |
| ER visit copay (not admitted) | Up to $50 | $0 |
| Typical monthly premium | Often lower, but varies by carrier | Often higher, but varies by carrier |
Benefits shown are standardized nationally for each plan letter. Premiums vary by carrier, age, sex, location, and tobacco status. See our full Plan G guide to compare Plan G and Plan N in more detail.
Plan N can be one of the more budget-friendly standardized Medigap options, but it isn't automatically the best choice for everyone.
See our full Medicare Advantage vs. Medicare Supplement comparison for a deeper breakdown. Still not sure which coverage type fits you? Take our 7-question Medicare Coverage Quiz.
Timing Matters
For many people, the easiest time to purchase Plan N is during their six-month Medigap Open Enrollment Period, which generally begins when they are both age 65 or older and enrolled in Medicare Part B. During this protected window, insurers generally cannot use your health history to deny coverage or charge more because of a medical condition. Certain other situations can also create guaranteed-issue rights, and state rules may provide additional opportunities to enroll or switch plans without medical underwriting.
Once you choose a company, our guide explains how to apply for Medicare Supplement insurance, including what information you may need and when underwriting can apply.
We'll pull real Plan N quotes from multiple carriers for your ZIP code — no pressure, no obligation.
Compare Plan N Rates → Or call 833-265-9655“I contacted Dave Scallion about applying for Medicare after being referred to him by a friend. Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions.”
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Susan Peck Google review“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare.”
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Reviewed by David Scallion · Licensed Medicare agent since 2003 · Last reviewed August 2026
We'll pull actual Plan N quotes from multiple carriers for your ZIP code, walk through how each company rates and prices its premiums over time, and help you apply for whichever plan actually fits your situation — with no pressure and no obligation.
No pressure. No call-center runaround. Just clear help comparing Medigap plans from Lehigh Partners Senior Benefits.
Lehigh Partners Senior Benefits is an independent, licensed insurance agency. Plan availability, benefits, premiums, underwriting, and enrollment rules vary by carrier, state, and individual circumstances. This page is educational and does not guarantee acceptance, savings, or pricing. Calling the number on this page will connect you with a licensed insurance agent. Lehigh Partners Senior Benefits is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every Medigap plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all available options.
