Medicare

Medigap Plan N

Medigap Plan N offers strong coverage at a lower premium than Plan G by requiring modest copays and leaving excess charge exposure in place.

Last reviewed: May 2026 · Editorial methodology

Definition

Medigap Plan N is a standardized Medicare Supplement policy that provides broad coverage of Original Medicare cost-sharing while incorporating modest cost-sharing elements to keep premiums lower than Plan G. Plan N covers the Part A hospital deductible ($1,676 in 2026), Part A coinsurance, skilled nursing facility coinsurance, Part B coinsurance (after the $283 annual Part B deductible, which Plan N does not cover), and foreign travel emergency care. However, Plan N requires copayments of up to $20 for physician office visits and up to $50 for emergency room visits that do not result in inpatient admission. Critically, Plan N does not cover Part B excess charges — the additional amount that non-participating Medicare providers can legally charge above the Medicare-approved amount (up to 15% above the Medicare-approved rate). This excess charge exposure is limited to providers who do not accept Medicare assignment, so beneficiaries on Plan N should confirm that their providers do accept assignment before enrolling. Plan N is typically 15–25% cheaper than Plan G, making it attractive for beneficiaries who see few specialists.

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

MedigapPrivate Medicare supplement insurance that fills gaps in Original Medicare's coverage.Medigap Plan GMedigap Plan G is the gold standard supplemental coverage for new Medicare beneficiaries, leaving only the $283 Part B deductible as out-of-pocket exposure.Medigap Plan FMedigap Plan F provides first-dollar coverage with zero out-of-pocket costs for covered services, but is only available to those who became Medicare-eligible before 2020.Medicare Part BMedicare Part B charges a monthly premium — $202.90 in 2026 for most beneficiaries — and covers the outpatient medical services that Part A does not.Original MedicareOriginal Medicare provides broad provider access nationwide with no referrals required but lacks an out-of-pocket maximum, making supplemental coverage important.

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Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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