Medicare Supplement Plan N
A middle-of-the-road plan to help balance costs. Medicare supplement insurance Plan N offers some of the best balance between premiums and out-of-pocket expenses compared to all Medicare supplement plans. Plan N helps cover deductibles, coinsurance, and other out-of-pocket expenses.
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Get a Medicare supplement Plan N quote
How Plan N works
Plan N provides benefits alongside Original Medicare to help minimize your share of health care costs.
- Pays Medicare Part A hospital coinsurance
- Pays the Medicare Part A deductible ($1,676 in 2025)
- Covers Medicare Part B expenses after you've paid the deductible ($257 in 2025) and copays for doctor and emergency room visits. It does not cover Part B excess charges beyond the Medicare-approved amount.
- Gives you the freedom to choose any doctor, specialist or hospital that accepts Medicare anywhere in the U.S.
- Offers emergency care benefits outside of the U.S.¹
Medicare supplement Plan N benefits
See how Plan N coverage works to help lower your out-of-pocket expenses
| Yearly plan deductible | $0 |
| See any doctor, specialist or hospital that accepts Medicare in the U.S.? | Yes (no referrals needed) |
| Foreign travel emergency | You pay a $250 deductible, then 20% of remaining costs. (Plan pays 80%) |
| Part A deductible ($1,676 in 2025) | |
|---|---|
| Plan pays $1,676 | You pay $0 |
| Hospitalization - inpatient stays | |
Plan pays
|
You pay $0 |
| Hospitalization - extended coverage (Up to an additional 365 days in your lifetime after Medicare benefits are used) |
|
| Plan pays 100% of eligible expenses | You pay $0 |
| Skilled nursing facility care | |
Plan pays
|
You pay
|
| Home health care | |
| Plan pays $0 (Medicare pays 100%) | You pay $0 |
| Hospice care | |
| Plan pays any Medicare copays or coinsurance | You pay $0 |
| Blood | |
| Plan covers first 3 pints (Medicare covers the rest) | You pay $0 |
| Part B deductible ($257 in 2025) | |
|---|---|
| Plan pays $0 | You pay $257 |
| Part B excess charge | |
| Plan pays $0 | You pay all costs |
| Doctor's visits, emergency care and other medical services (Benefits after Part B deductible is met) |
|
| Plan pays generally 20% (Medicare coinsurance) | You pay copays: $20 max per doctor visit; $50 max per ER visit |
| Diagnostics laboratory tests | |
| Plan pays $0 (Medicare pays 100%) | You pay $0 |
| Durable medical equipment(Benefits after Part B deductible is met) | |
| Plan pays generally 20% (Medicare coinsurance) | You pay $0 |
| Home health care services | |
| Plan pays $0 (Medicare pays 100%) | You pay $0 |
| Blood (first 3 pints) | |
| Plan covers first 3 pints | You pay $0 |
BUNDLE
Dental Insurance
View coverage options for prices
Bundle dental insurance with your Medicare supplement insurance policy and you'll save 15% on your monthly dental insurance premium.
Simply add dental insurance when you apply online for Medicare supplement.
Choose how you’d like to apply for Plan N
We’re here to help – however you choose to apply
Apply online
Go at your own pace. We'll help you along the way, verifying your information as you go.
Give us a call
Our friendly, knowledgeable agents can help you confidently enroll in your Medicare supplement plan.
Call toll-free 866-907-9302
Call toll-free 866-907-9302
Have an agent contact you
An agent can help you find the right Medicare supplement plan for you.