Medicare Supplement Plan N is the fastest-growing Medigap plan for people who want strong coverage at a lower price. For 2027, its benefits stay the same: you get nearly everything Plan G covers in exchange for a few small copays.
Below is what Plan N covers in 2027, exactly what the copays are, what changes this year, how it stacks up against Plan G and who it fits best. For every plan side by side, see our guide to Medicare Supplement Plans 2027.
Key Takeaway
Plan N trades a lower premium for up to $20 at some office visits, up to $50 at the ER and no coverage for Part B excess charges. If you’re healthy and your doctors accept Medicare assignment, it’s often the best value in Medigap for 2027.
Plan N 2027 at a glance
What’s New for Plan N in 2027
Federal law sets Plan N’s benefits, and the copays are fixed at the same dollar limits every year. What moves are the Medicare amounts around it:
| Cost | 2026 | 2027 |
|---|---|---|
| Part B deductible (you pay it) | $283 | About $292 projected; final amount announced in November |
| Office visit copay | Up to $20 | Up to $20 |
| ER copay (if not admitted) | Up to $50 | Up to $50 |
| Part A hospital deductible (Plan N pays it) | $1,736 | Announced in November |
| Part D drug deductible (separate drug plan) | Up to $615 | Up to $700 |
Sources: CMS 2027 Part D parameters and the 2026 Medicare Trustees Report projection for the Part B deductible. Plan N copay limits are set in the federal standardized plan design.
Good news: when the Part A hospital deductible rises in 2027, Plan N still pays it in full. The copay limits don’t rise with inflation.
What Plan N Covers in 2027
After Original Medicare pays its share, Plan N picks up most of what’s left:
| Benefit | Plan N in 2027 |
|---|---|
| Part A deductible | Covered in full |
| Hospital coinsurance | Covered, plus up to 365 extra hospital days after Medicare benefits run out |
| Skilled nursing and hospice | Skilled nursing coinsurance for days 21 to 100 and hospice coinsurance covered |
| Part B coinsurance | Covered, except the office and ER copays below |
| Blood and foreign travel | First three pints of blood, and 80% of emergency care abroad after a $250 deductible |
| Part B deductible | Not covered: about $292 projected for 2027 |
| Part B excess charges | Not covered |
Like every Medigap plan, Plan N does not cover prescription drugs, routine dental, vision or hearing, or long-term custodial care. Pair it with a Part D drug plan.
Plan N Copays in 2027
The copays are what make Plan N cheaper than Plan G. Here’s exactly when you pay them and when you don’t:
About excess charges: Plan N doesn’t cover Part B excess charges, the up-to-15% extra a doctor who doesn’t accept Medicare assignment can bill. Most doctors accept assignment, and some states, including New York, Pennsylvania, Ohio and Massachusetts, don’t allow excess charges at all.
What Plan N Costs in 2027
You pay a monthly premium, the Part B deductible and any copays. Every company’s Plan N has identical benefits, so the premium is what you’re really comparing. These factors set your 2027 price:
ZIP code
tobacco use
discount
method
Quick math
Take the yearly premium difference between Plan N and Plan G in your ZIP code. For example, if Plan N is $30 a month less, that’s $360 a year, enough to cover 18 office copays at $20. If you’d use fewer copays than that, Plan N comes out ahead.
Household discounts can lower the price further. Mutual of Omaha Plan N can be up to 12% off in many states, and Aetna commonly offers 7%.
Plan N vs Plan G in 2027
Plan N fits if you
Plan G fits if you
See the full Plan G picture in our guide to Medicare Supplement Plan G 2027, or the side-by-side Plan N vs Plan G breakdown.
Switching to Plan N in 2027
Good to know: The October 15 to December 7 Annual Enrollment Period is for Medicare Advantage and Part D. It does not give you a right to change Medicare Supplement plans without health questions.
Plan N Companies to Compare in 2027
Mutual of Omaha
Long service record and up to 12% off in many states. Mutual of Omaha Plan N
Aetna
Plan N in many states with a household discount. Aetna Medicare Supplement
Blue Cross Blue Shield
Local Blue plans with options that vary by state. BCBS Medicare Supplement
Physicians Mutual
Another established option to price against. Physicians Mutual
The Bottom Line
Plan N keeps nearly all of Plan G’s coverage in 2027 for a lower premium, with up to $20 at some office visits, up to $50 at the ER and no excess charge coverage. If you’re healthy and your doctors accept assignment, it’s often the smartest value. Compare 2027 Plan N rates on this page or call 1-888-891-0229 and a licensed agent will shop every top company for you at no cost.
Frequently Asked Questions About Plan N 2027
➤ What is Medicare Supplement Plan N for 2027?
Plan N is a standardized Medigap plan that works alongside Original Medicare. In 2027 it covers most Medicare-approved costs, leaving you the Part B deductible, small copays and any Part B excess charges, in exchange for a lower premium than Plan G.
➤ What does Plan N cover in 2027?
Plan N covers the Part A deductible, hospital coinsurance plus 365 extra hospital days, skilled nursing and hospice coinsurance, Part B coinsurance except small copays, the first three pints of blood and 80% of foreign travel emergency care.
➤ What are the Plan N copays for 2027?
Plan N charges up to $20 for some office visits and up to $50 for emergency room visits that don’t end in an inpatient admission. If you’re admitted, the ER copay is waived, and preventive care has no copay.
➤ What is the Plan N deductible for 2027?
Plan N has no deductible of its own. You pay the Medicare Part B deductible, which is $283 in 2026 and projected at about $292 for 2027, with the final amount announced in November.
➤ Does Plan N cover Part B excess charges?
No. If a doctor doesn’t accept Medicare assignment, they can charge up to 15% above Medicare’s rate and Plan N won’t cover it. Most doctors accept assignment, and some states, including New York, Pennsylvania, Ohio and Massachusetts, don’t allow excess charges at all.
➤ Is Plan N cheaper than Plan G in 2027?
Plan N’s premium is usually lower than Plan G’s for the same person and ZIP code. Whether it saves you money overall depends on how many office and ER copays you expect, so compare the yearly premium difference against your likely copays.
➤ Who should choose Plan N in 2027?
Plan N often fits people who are healthy, see the doctor only a few times a year, use doctors who accept Medicare assignment and want a lower premium. If you see specialists often, Plan G may cost less overall.
➤ Can I switch from Plan G to Plan N in 2027?
Usually yes, but in most states the new company can ask health questions. Some states have birthday or anniversary rules, and New York and Connecticut allow switching year-round without health questions.
➤ Can I get Plan N if my Medicare Advantage plan ends in 2027?
Federal guaranteed issue rights for people losing a Medicare Advantage plan usually include Plan G but not Plan N. You may need to answer health questions for Plan N unless your state adds protections, so have an agent check your state’s rules before your coverage ends.
➤ How do I get 2027 Plan N rates?
Enter your ZIP code in the quote tool on this page to compare 2027 Plan N rates from top companies in your area. You can also call 1-888-891-0229 and a licensed agent will compare plans and help with the application at no cost.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.