Plan N covers many of the same Medicare cost-sharing categories as Plan G, but it may have a lower monthly premium in exchange for certain office and emergency-room copays and no coverage for Part B excess charges. The real question is whether the premium savings are worth those differences for you.
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Plan N often costs less than Plan G, depending on the company, location and applicant.
Certain office visits and non-admitted ER visits may carry a copay.
See any doctor or hospital nationwide that accepts Medicare.
Plan N isn't automatically the cheaper choice. What matters is whether the premium savings outweigh the cost sharing you actually expect to use.
There is no official "Medicare Part N." When people use that phrase, they usually mean Medicare Supplement Plan N, also called Medigap Plan N. It's private insurance sold by companies like the ones compared on this page, and it works alongside Original Medicare Parts A and B rather than replacing them.
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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 in the state, which removes one of Plan N's main trade-offs versus Plan G for care received there. If you receive care elsewhere, that state's rules may apply, so it's still worth asking whether a provider accepts Medicare assignment. See Pennsylvania Medicare Supplement rate research →
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 your 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 about $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 →
A lower monthly premium doesn't automatically mean a lower annual cost. Enter the premium difference and the number of office visits you expect to see how the basic trade-off can work.
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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.
Want to compare using actual Plan G and Plan N rates in your ZIP?
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Plan N and Plan G are the two most common standardized Medigap plans for people newly eligible for Medicare. Plan N often has a lower monthly premium in exchange for certain office and ER copays and no coverage for Part B excess charges. Plan G typically costs more but covers those items, so out-of-pocket costs are more predictable. See our full Plan G guide for a deeper look at that side of the comparison.
| Feature | Plan N | Plan G |
|---|---|---|
| Part A hospital coverage | Covered | Covered |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B coinsurance | Covered, except certain copays | Covered |
| Office visit copays | Up to $20 | $0 |
| ER copays when not admitted | Up to $50 | $0 |
| Part B excess charges | Not covered | Covered |
| Provider network | None — any Medicare-accepting provider | None — any Medicare-accepting provider |
| Typical premium tendency | Often lower, varies by carrier/applicant/location | Often higher, varies by carrier/applicant/location |
Benefits shown are standardized nationally for each plan letter. Premiums vary by carrier, age, sex, location, and tobacco status.
The question isn't simply which plan covers more. It's whether Plan N's potential premium savings are worth its office/ER copays and lack of Part B excess-charge coverage for your situation. See the Full Plan G vs. Plan N Comparison →
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.
Call to Calculate My Plan N Savings Or schedule to compare my rateIf your Medicare Supplement premium has increased, you don't necessarily have to assume your current rate is your only option. We can compare available Medicare Supplement rates and help you understand whether staying with your current plan, changing companies, or considering another plan letter makes sense.
Changing Medicare Supplement companies may require medical underwriting unless an applicable guaranteed-issue right or state-specific protection applies. Don't cancel existing coverage until replacement coverage has been approved. See our Medicare Supplement premium-increase guide →
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Reviewed by David Scallion · Licensed Medicare agent since 2003 · Last reviewed August 2026
We'll compare actual Plan N and Plan G rates available for your ZIP code, explain the cost-sharing differences, and help you see which structure better fits your situation. There is no direct cost for the Medicare review and no pressure to enroll.
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.
