How to Compare Medicare Supplement Insurance Companies
When comparing Medicare Supplement companies, don’t compare benefits first—compare the same standardized plan across insurers.
What Does Medicare Supplement Plan N Cover in 2026?
Last Modified: 10/05/2026 | Reviewed by Keith Armbrecht (NPN 634015)
Quick Summary
Medicare Supplement Plan N covers many of the major out-of-pocket costs left by Original Medicare, including the Medicare Part A deductible and most Part A and Part B coinsurance.
However, Plan N doesn’t cover the Medicare Part B deductible or Part B excess charges, and you may have copayments of up to $20 for certain office visits and $50 for certain emergency-room visits that don’t result in inpatient admission.
Key Facts
Plan N covers:
- Part A hospital coinsurance
- Additional hospital coverage
- Part A deductible
- Skilled nursing facility coinsurance
- Hospice cost sharing
- First three pints of blood
- Most Part B coinsurance
- Limited foreign-travel emergency benefits
Plan N doesn’t cover:
- Part B deductible
- Part B excess charges
- Certain permitted Plan N office and ER copayments
What You Pay With Plan N
Part B Deductible
$283 in 2026.
Doctor Visits
Up to $20 for certain office visits.
Emergency Room
Up to $50 for certain ER visits that don’t result in inpatient admission.
Part B Excess Charges
You are responsible for these when applicable because Plan N doesn’t cover them.
Video Explanation from Keith
Exactly What Plan N Covers
Keith's Take
Plan N isn’t “lesser Plan G.”
It’s a different tradeoff.
You’re accepting some modest cost sharing in exchange for the opportunity to pay a lower premium.
The question I ask is whether your annual premium savings are large enough to justify those costs.
That’s why I compare Plan G and Plan N side by side.
Keith Armbrecht
Medicare on Video
Frequently Asked Questions
Q. Does Plan N cover the Part A deductible?
A. Yes.
Q. Does Plan N cover the Part B deductible?
A. No.
Q. Does Plan N cover excess charges?
A. No.
Q. What are the doctor copays?
A. Up to $20 for certain office visits.
Q. What is the ER copay?
A. Up to $50 in applicable ER situations that don't result in inpatient admission.
Q. Does Plan N cover hospital expenses?
A. Does Plan N cover hospital expenses?
Q. Does Plan N cover prescription drugs?
A. No.
Q. Does Plan N include foreign travel?
A. It includes 80% foreign-travel emergency coverage subject to Medigap limits.
Official Government Sources
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