Medicare Supplement Insurance Plan N (Medigap) Coverage and Costs 2026-2027

What Medicare Supplement Plan N Covers in 2026-2027

Medicare Supplement Plan N fills the majority of coverage gaps left by Original Medicare. The only gaps not covered are Medicare Part B’s deductible ($283 in 2026) and any excess charges that fall under Medicare Part B, which are above the Medicare-approved amount. This means that any time you are admitted to the hospital, your 20% coinsurance for Medicare Part B will be completely covered with Medigap Plan N.

Standard Plan N benefits include:

Hospital Expenses: Covers 100% of Part A hospital costs and deductibles for up to 365 days after your Medicare benefits are used up.

Medical Expenses: Covers 100% of Part B coinsurance (except for small copays at the doctor or ER).

Transfusions: Pays for the first three pints of blood you receive in a medical procedure.

Hospice Care: Pays Part A hospice care copayment or coinsurance.

Skilled Nursing: Pays for your coinsurance at a skilled nursing facility.

Foreign Travel Medical Emergencies: Covers 80% of emergency medical costs when you travel outside the U.S. (up to plan limits).

What Medicare Supplement Plan N Does Not Cover

Part B Deductible: You are responsible for the Medicare Part B deductible ($283 in 2026).

Part B Excess Charges: If a doctor charges more than the Medicare-approved amount, Plan N does not cover that extra cost.

Prescription Drugs: Medigap plans do not cover medicine you pick up at the pharmacy. You will need a separate Medicare Prescription Drug plan for those costs.

Who should consider Medicare Supplement Plan N?

This plan is a great fit for people who want to save money and don't mind a small, predictable bill when they visit the doctor’s office. It is ideal for those who don’t visit the doctor every week but want to be protected against large, unexpected hospital bills.

Advantages of Medicare Supplement Plan N

• Lower Premiums: You generally pay less per month than you would for Plan G or Plan F.
  

• Standardized Benefits: The coverage is the same, no matter which insurance company you choose.
  

• Financial Protection: You are protected from the high costs of hospital stays.
  
  
  

Disadvantages of Medicare Supplement Plan N

• Small Copays: You will pay up to $20 for some office visits and up to $50 for emergency room visits (if you aren't admitted to the hospital).
  

• No Excess Charge Coverage: You may have to pay extra if your doctor does not accept "Medicare assignment."

Medicare Supplement Plan N Premium Factors

Even though the benefits of Plan N are the same at every company, the monthly price (premium) can vary. Prices vary by your zip code and the insurance carrier you choose. You may also be able to get discounts for things like having two people in the same household on a plan or setting up automatic payments.

When to Enroll in Medicare Supplement Plans 

The best time to sign up is during your Medigap Open Enrollment Period. This starts the month you turn 65 and are enrolled in Medicare Part B. It lasts for six months. During this time, insurance companies must sell you a plan at the best price, even if you have health problems.

If you wait until after your Initial Enrollment Period, you may have to answer health questions, and a company could refuse to sell you a policy.