The short answer
Medigap Plan N is a popular lower-premium alternative to Plan G. It covers most of the same gaps, but with a few differences that lower its premium: small copays for some office visits and emergency room visits, and it does not cover Part B excess charges. For many people those are minor, which is why Plan N appeals to value-focused buyers.
The question is whether those small out-of-pocket costs are worth the premium savings for your situation. Often they are, but not always.
The copays and excess charges
Plan N charges a small copay (up to a set amount) for some doctor office visits and for emergency room visits that don't lead to admission. It also leaves you responsible for Part B excess charges — extra amounts some providers can bill when they don't accept Medicare's approved amount as full payment. Whether excess charges affect you depends on your providers and your state.
Everything else looks much like Plan G. Our comparison of Plan G versus Plan N lays the two side by side so you can weigh the premium savings against the small copays.
Who Plan N fits
Plan N tends to fit people who don't mind small, predictable copays and whose doctors accept Medicare assignment (so excess charges don't apply). For them, the lower premium is a genuine saving. People who want zero surprises at the point of care, or who see providers that bill excess charges, may prefer Plan G.
Our guide to Part B excess charges context aside, the key is knowing your providers' billing habits before choosing. Both plans are solid; it comes down to your preferences.
Frequently Asked Questions
What are the copays on Medigap Plan N?
Plan N charges a small copay (up to a set amount) for some doctor office visits and for emergency room visits that don't result in admission. Otherwise it covers most of the same gaps as Plan G.
Does Plan N cover Part B excess charges?
No. Plan N leaves you responsible for Part B excess charges, which some providers can bill when they don't accept Medicare's approved amount as full payment. Whether they affect you depends on your providers.
Is Plan N cheaper than Plan G?
Usually yes — Plan N has a lower premium, with the tradeoff of small copays and uncovered excess charges. For many people the savings outweigh those costs.
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