by Russell Noga | Updated October 6th, 2026
Whether you are new to Medicare and looking for the right Medigap plan, or you have been on Medicare for a few years and want to keep your costs down, you should seriously consider Medicare Supplement Plan N for 2027.
What is Medicare Plan N?
Medicare Supplement Plan N, also known as Medigap Plan N, is a standardized insurance policy that helps fill the gaps in Original Medicare (Part A and Part B).
Medigap Plan N helps cover out-of-pocket costs such as the Part A deductible, coinsurance and most copayments, making healthcare costs more predictable.
Medicare Supplement Plan N has:
- Lower premiums than Medicare Plan G
- Often lower rate increases than Plan G, in our experience
- No network (see any doctor who accepts Medicare)
- Strong coverage with small, predictable out-of-pocket costs
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Medicare Supplement Plan N Benefits
Medicare Plan N is one of the most popular Medicare Supplement plans for 2027, and enrollment keeps growing.
Medicare Supplement Plan N covers:
- The Part A hospital deductible ($1,736 per benefit period in 2026)
- Part A coinsurance and hospital costs for up to 365 extra days after Medicare benefits are used up
- Part B coinsurance, except copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission
- Part A hospice care coinsurance or copayments
- Skilled nursing facility (SNF) coinsurance
- The first three pints of blood
- Foreign travel emergency care (80%, after a $250 deductible, up to plan limits)
What does Medicare Supplement Plan N Cover?
Medicare Supplement Plan N covers costs Original Medicare does not fully pay, such as:
- The Medicare Part A deductible
- Skilled nursing facility coinsurance
- Hospice care copayments or coinsurance
- The first three pints of blood
- Foreign travel emergency care
Plan N does not cover the Medicare Part B deductible or Part B excess charges.
Medicare Part B Deductible
Medicare Part B covers outpatient services such as doctor visits, diagnostic tests, preventive care and durable medical equipment.
Before Part B starts paying each year, you pay the annual Part B deductible. It is set each year by the Centers for Medicare & Medicaid Services (CMS).
The Medicare Part B deductible is $283 in 2026. Medicare announces the 2027 amount later in the fall. Plan N members pay this deductible themselves.
Medicare Part B and Doctor’s Bills
Once you meet the Part B deductible, Medicare usually pays 80% of the Medicare-approved amount for covered services.
The remaining 20% is your coinsurance. For example, if a doctor visit costs $200 and you have met your deductible, Medicare pays $160 and you owe $40.
Original Medicare has no annual out-of-pocket maximum for Part B coinsurance, so those costs can keep adding up all year.
That is why many people buy a Medicare Supplement (Medigap) plan. With Plan N, the plan pays that 20% for you, except for the small office and ER copays.
Plans are sold by private insurance companies such as Mutual of Omaha and Allstate, and they all offer the same Plan N benefits at different prices.
Medicare Part B Excess Charges
Most doctors accept Medicare “assignment,” meaning they agree to accept the Medicare-approved amount as full payment.
Doctors who do not accept assignment can charge up to 15% more than the Medicare-approved amount. That extra amount is called a Part B excess charge.
Plan N does not cover Part B excess charges, but they are uncommon. The vast majority of doctors accept Medicare assignment, and a few states do not allow excess charges at all. You can avoid them by asking whether your doctor accepts assignment.
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Medicare Supplement Plan N Copays
Plan N has copayments for some office and emergency room visits:
- Up to $20 for some office visits
- Up to $50 for emergency room visits that do not result in an inpatient admission
How copays apply to telehealth and urgent care visits can vary, so ask your insurance company for details.
These small copays are what keep Plan N premiums lower than plans like Plan G.
How Much Does Medicare Supplement Plan N Cost?
The cost of Plan N depends on your age, gender, ZIP code, tobacco use and the insurance company.
Premiums vary widely from company to company for the exact same coverage, so comparing rates across companies is the best way to find the lowest price. Enter your ZIP code above or call us for current Plan N rates in your area.
Medicare Plan N vs. Plan G
Deciding between Plan N and Plan G, the two most popular plans for new enrollees, comes down to your healthcare needs and how you like to pay.
If you want the fewest out-of-pocket costs and are willing to pay a higher premium, Plan G may be the better fit. After the Part B deductible, Plan G pays everything else for Medicare-approved care.
If you are in good health and do not mind an occasional copay, Plan N is an attractive option. More people are choosing Plan N for its lower premiums.
Lower monthly premiums: Plan N’s premium is typically lower than Plan G’s, often enough that the savings cover several doctor copays a year.
If you see doctors frequently, Plan G may save you more by avoiding copays on every visit.
We can show you the premium difference between the two plans in your area so you can choose with real numbers.
Medicare Supplement Plan N Reviews
Plan N gets positive reviews for its balance of lower premiums and strong benefits.
In our experience, clients on Plan N have often seen smaller rate increases over time than clients on Plan G, which adds up to real savings.
Some people still prefer Plan G, or Plan F if they are eligible, for more complete coverage, depending on their health and budget.
Medicare Plan N in 2027
Medigap benefits are set by federal law, so Plan N covers the same things in 2027 as today. What can change are premiums, which each company sets, and the Medicare deductibles, which Medicare announces later in the fall.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy certain Medigap plans without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
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How to Enroll in Medicare Plan N
Enrolling in Plan N is easy, but when you can enroll without health questions depends on your situation.
New to Medicare or turning 65:
If you are new to Medicare, you can enroll in Plan N with no medical questions during your 6-month Medigap Open Enrollment Period. It starts the first day of the month you are both 65 or older and enrolled in Part B. During that window you cannot be turned down for any Medigap plan.
Already have a Medigap plan and want to save money by switching:
If you already have a Medigap plan, you can apply to switch at any time of year. You do not have to wait for the fall enrollment period. In most states you will answer health questions. Call us today at 1-888-891-0229 and we can help.
Leaving a Medicare Advantage plan for Plan N:
You can leave Medicare Advantage and return to Original Medicare during the Annual Enrollment Period (October 15 to December 7, for coverage starting January 1) or the Medicare Advantage Open Enrollment Period (January 1 to March 31). You can apply for Medicare Supplement Plan N ahead of time so your coverage lines up.
If your Medicare Advantage plan is ending, or you are within your first 12 months in Medicare Advantage, you may have a guaranteed issue right and skip health questions. Otherwise, most states allow medical underwriting.
Frequently Asked Questions
What is the main difference between Medicare Supplement Plan N and Plan G?
Plan N does not cover Part B excess charges and has copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission. Plan G covers excess charges and has no copays. Plan N usually has a lower premium.
How does Medicare Supplement Plan N compare to Plan F in terms of coverage?
Plan N does not cover the Medicare Part B deductible or Part B excess charges, and Plan F covers both. Plan F is only available to people who became eligible for Medicare before January 1, 2020.
Can I switch from another Medigap plan to Medicare Supplement Plan N?
Yes, you can apply to switch at any time of year. In most states you may have to pass medical underwriting, which could affect your eligibility and premium.
Are prescription drug costs covered under Medicare Supplement Plan N?
No. No Medigap plan covers prescription drugs. For drug coverage, enroll in a separate Medicare Part D plan.
Can I use any doctor or hospital with Medicare Supplement Plan N?
Yes. You can use any doctor or hospital in the United States that accepts Medicare.
Are Medicare Supplement Plan N rates guaranteed to remain the same each year?
No. Premiums can rise over time because of inflation, rising healthcare costs and, with some pricing methods, your age.
Is dental and vision care covered under Medicare Supplement Plan N?
No. Medicare Supplement Plan N does not cover dental or vision care. You can buy separate dental and vision insurance.
How do I file a claim with Medicare Supplement Plan N?
In most cases you do not file anything. Your provider bills Medicare, and Medicare sends the claim to your insurance company automatically. If needed, you can also submit a claim directly to your insurance company.
Are pre-existing conditions covered under Medicare Supplement Plan N?
If you enroll during your Medigap Open Enrollment Period or with a guaranteed issue right, you cannot be denied coverage or charged more because of pre-existing conditions. Outside those windows, you may face medical underwriting.
How do I find the best insurance company for Medicare Supplement Plan N?
Compare Plan N from several insurance companies on premium, rate increase history, financial strength and customer service. We can do the comparison for you, free.
Get Started Today
Medicare Supplement Plan N offers a strong balance of coverage and affordability, making it a smart option for many Medicare beneficiaries. Once you understand its benefits, copays and enrollment rules, you can decide whether Plan N is right for you.
Whatever your situation, call us today at 1-888-891-0229 so we can check Plan N rates and get the process started. We will find you the best plan at the lowest premium now and for years to come.
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.