Plan N
Lower premium alternative to Plan G with small copays at office visits and the ER. Does not cover Part B excess charges.
What it covers
- What it pays for
- Covers Part A deductible, Part A/B coinsurance, blood, SNF coinsurance, and foreign travel emergency. Does not cover Part B deductible or Part B excess charges.
- How it works
- Nationwide provider access with no network; Medicare pays first. You may owe excess charges if a doctor does not accept Medicare assignment.
- Who can get it, and when
- During your Medigap Open Enrollment Period or after a qualifying event, no carrier can deny you or charge more due to health conditions; medical underwriting applies outside those windows.
What it costs
A monthly premium, usually lower than Plan G, plus the Part B premium, the yearly Part B deductible and small copays.
Hawkins Insurance Group, LLC is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
What is good about it
- Good value for healthy enrollees with few office visits
The catch
- No drug, dental, or vision coverage
Plan N and Plan G
| What is compared | Plan N | Plan G |
|---|---|---|
| Monthly premium | Lower | Higher |
| Part B excess charges | Not covered | Covered |
| Office visit copay | A small copay | None |
| ER copay (not admitted) | A small copay | None |
Mistakes to avoid
- Underestimating how office and ER copays add up if you visit often
- Switching from G to N for lower premium without modeling your actual visit frequency and specialist usage
Common questions
- When the premium savings exceed your expected copays and you do not see non-participating doctors.
Keep learning
Other coverage to explore