Medigap Plan N
Lower-premium Medigap plan with small office and ER copays.
Full explanation
Medigap Plan N has a lower monthly premium than Plan G (typically $30/month less) in exchange for small copays: $20 at office visits and $50 at the emergency room (waived if admitted). Plan N also doesn't cover Part B excess charges, which exist in roughly 50% of states. Break-even math: if you have fewer than ~13 doctor visits a year and live where excess-billing physicians are uncommon, Plan N saves money long-term. Most healthy enrollees pick Plan N over Plan G; high-utilization enrollees pick Plan G.
📎 Primary source: official source
Need help with Medigap Plan N? Call 256-800-4885 for free guidance from a licensed insurance agent in our nationwide network.