What is Medigap Plan N?
As with all Medigap plans, Plan N is federally regulated and standardized, which means Plan N is the same regardless of which insurance carrier is offering it. While both Medigap Plan F and Plan G are more comprehensive, Medigap Plan N is a good option for people that can't afford the Plan F and Plan G monthly premiums. Of course it varies, but the Plan N monthly premium tends to be about $10 less than the Plan G premium and often up to $50 less than the Plan F premium.
As we said earlier, Medigap Plan F is the most comprehensive plan. With Plan F you'll have zero out-of-pocket medical expenses. Medigap Plan G has the same coverage as Plan F, except you'll be responsible for the Medicare Part B deductible ($183 in 2018).
Medigap Plan N is essentially the same as Plan G, but with more cost-sharing situations. In addition to the Medicare Part B deductible, Plan N also requires its enrollees to pay up to a $20 copay for doctor visits and a $50 copay for emergency room visits. Plan N also doesn't cover any Medicare Part B excess charges.
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