Growing FastStrong
Medicare Supplement Plan N
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.
Age 65 avg
$110/mo
Age 75 avg
$152/mo
✅ 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 Doesn't 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)
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.
Plan N Rates by Carrier (Age 65)
Plan N — age 65, female non-smoker estimate
Carrier | Monthly Rate | Rating |
|---|---|---|
| Aetna | $116/mo | A |
| Aflac | $106/mo | A+ |
| Anthem Blue Cross Blue Shield | $120/mo | A |
| CIGNA | $109/mo | A |
| Humana | $119/mo | A- |
| Manhattan Life | $104/mo | A- |
| Best ValueMedico | $99/mo | A |
| Mutual of Omaha | $114/mo | A+ |
| United American | $102/mo | A |
| UnitedHealthcare (AARP) | $129/mo | A+ |
Plan N Rates by State (Age 65)
Sorted lowest to highest
Carrier | Monthly Rate | Rating |
|---|---|---|
| Arizona | $108/mo | AZ |
| California | $122/mo | CA |
| Colorado | $103/mo | CO |
| Delaware | $115/mo | DE |
| Florida | $116/mo | FL |
| Georgia | $105/mo | GA |
| Iowa | $97/mo | IA |
| Kansas | $99/mo | KS |
| Kentucky | $102/mo | KY |
| Missouri | $101/mo | MO |
| Nebraska | $96/mo | NE |
| New Jersey | $152/mo | NJ |
| North Carolina | $107/mo | NC |
| Ohio | $103/mo | OH |
| South Carolina | $106/mo | SC |
| South Dakota | $94/mo | SD |
| Tennessee | $104/mo | TN |
| Texas | $110/mo | TX |
Plan N in Arizona →Plan N in California →Plan N in Colorado →Plan N in Delaware →Plan N in Florida →Plan N in Georgia →Plan N in Iowa →Plan N in Kansas →Plan N in Kentucky →Plan N in Missouri →Plan N in Nebraska →Plan N in New Jersey →Plan N in North Carolina →Plan N in Ohio →Plan N in South Carolina →Plan N in South Dakota →Plan N in Tennessee →Plan N in Texas →
Quick Savings Estimator
Enter your current monthly premium to see your potential savings.
$
Find the Best Plan N Rate in Your State
Compare all carriers in minutes. Our agents find the lowest price for identical coverage.
- Same exact coverage, lower price
- Takes less than 5 minutes
- No obligation, no spam
Free service · Licensed agents · No obligation
Medicare Supplement Plan N FAQ
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.