Medicare Supplement Plan N Rates in California
Plan N offers excellent coverage at a lower premium than Plan G. You pay small copays ($20 at doctor visits, $50 at ER visits that don't result in inpatient admission) in exchange for a lower monthly premium. In California, Plan N rates average around $122/month for age 65 — but prices vary significantly by carrier.
Compare California Plan N Rates →✅ What Plan N Covers
- ✓ Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted
- ✓ Part A hospice care coinsurance or copayment
- ✓ Part A deductible ($1,632 in 2024)
- ✓ Part B coinsurance or copayment (subject to copays)
- ✓ Skilled nursing facility care coinsurance
- ✓ First three pints of blood
- ✓ 80% of foreign travel emergency care (up to plan limits)
❌ What Plan N Does NOT Cover
- ✗ Medicare Part B deductible ($240 in 2024)
- ✗ Part B excess charges (doctors who don't accept Medicare assignment)
- ✗ Copay at doctor visits (up to $20)
- ✗ Copay at ER visits not resulting in admission (up to $50)
- ✗ Prescription drugs (requires separate Part D plan)
California Plan N Rates by Carrier
California Plan N — age 65, female non-smoker estimates
Carrier | Monthly Rate | Rating |
|---|---|---|
| Best ValueAetna | — | A |
| Aflac | — | A+ |
| Anthem Blue Cross Blue Shield | — | A |
| CIGNA | — | A |
| Humana | — | A- |
| Mutual of Omaha | — | A+ |
| UnitedHealthcare (AARP) | — | A+ |
California Plan N Rate Ranges by Age
| Age | Monthly Range | Annual Range |
|---|---|---|
| Age 65 | $107–$144/mo | $1,284–$1,728/yr |
| Age 68 | $120–$161/mo | $1,440–$1,932/yr |
| Age 70 | $129–$173/mo | $1,548–$2,076/yr |
| Age 72 | $140–$187/mo | $1,680–$2,244/yr |
| Age 75 | $159–$213/mo | $1,908–$2,556/yr |
| Age 78 | $183–$245/mo | $2,196–$2,940/yr |
| Age 80 | $201–$269/mo | $2,412–$3,228/yr |
How Plan N Compares
Plan N vs Plan G: Plan N saves $30-50/month in premiums. You pay up to $20/visit at doctors and $50 for ER visits. If you have 1-2 doctor visits/month, Plan N often wins mathematically. If you have excess charges risk, Plan G is safer.
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