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Medicare Supplemental Plan N is one of 10 standardized Medigap plans available in most states. Like other Medigap basic benefits, this plan helps with certain costs that Original Medicare doesn’t cover, including cost-sharing expenses you may have for hospital services or doctor visits.
Like other Medigap plans in most states, Plan N offers standardized benefits. This means that you’ll get the exact same basic benefits for Plan N, no matter where you live or which insurance company you purchase the policy from.
Plan N covers the following benefits:
As mentioned, beneficiaries enrolled in Plan N will still be responsible for cost sharing in certain situations. You may have to pay a copayment of up to $20 for doctor visits and up to $50 if you go to the emergency room and aren’t admitted as a hospital inpatient. Additionally, Medicare Supplemental Plan N doesn’t cover the Part B deductible or any Part B excess charges, so you’ll be responsible for paying these costs yourself.
As mentioned, basic benefits for Plan N are standardized, so basic benefits will be the same for this plan, regardless of insurance company or location. However, because Medicare Supplement plans are sold by private insurance companies, costs for each plan may differ by location and company (even for identical basic benefits).
If you’re considering a Medigap plan, it’s always important to pay attention to not just the premium cost when you first join the plan, but how the insurance company prices (or “rates”) its premiums. Medigap insurance companies may use one of three pricing methods to set their premium costs: community-rated, issue-age-rated, or attained-age-rated:
As you can see, premiums may widely differ depending on the method the insurance company uses to set its prices. Keep in mind that, regardless of the pricing method, all insurance companies may raise premium costs to adjust for inflation. Make sure you understand how the insurance company rates its premiums, so that you have an accurate idea of how much you’ll pay for your Medigap plan both now and in the long-term.
Like other Medigap plans, you’re eligible to enroll in Plan N if:
The best time to enroll in Medigap Plan N is during your Medigap Open Enrollment Period, which is the six-month period that automatically starts on the first day of the month that you are both 65 or older and enrolled in Medicare Part B. During this time, you have a guaranteed-issue right to enroll in any Medigap plan available in your service area, regardless of any pre-existing conditions* or disabilities you may have. Insurance companies aren’t allowed to reject you based on your medical status or charge you more if you have health problems. After your Medigap Open Enrollment Period is over, you may have more difficulty enrolling in a Medicare Supplement plan (or switching plans) if you have health problems. Insurance companies are also allowed to use medical underwriting after this period and may charge you higher premiums based on your health status. You may also be denied coverage entirely due to your health status.
Do you have questions about Medigap Plan N and whether it may work for your situation? Feel free to use our eHealth plan finder tool to compare Plan N or other Medigap options in your location; just enter your zip code into the tool on this page to get started. If you need immediate assistance, contact eHealth to speak with a licensed insurance agent and get answers to your Medicare questions.
*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.
This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.