Medicare Plan N Cost 2025: $165.45/Month Average
Medicare Supplement Plan N averages $165.45/month ($1,985/year) in 2025. Nearly comprehensive coverage with just $20 office visit and $50 ER copays. Popular alternative to Plan G with lower premiums.
Medicare Plan N Cost 2025: Premium Rates & Copays
Plan N offers excellent value with nearly comprehensive coverage at a lower premium than Plan G. Small copays help keep premiums affordable while maintaining robust protection.
Average Monthly Premium
Office Visit Copay
Emergency Room Copay
Part B Deductible (You Pay)
Understanding Plan N Copays
Doctor Office Visits
$20Copay for office visits and consultations
Per Visit
Emergency Room Visits
$50Copay for emergency room visits (waived if admitted)
Per Visit
Important Note About Emergency Room Copay
The $50 emergency room copay is waived if you are admitted to the hospital as an inpatient. This means you only pay the copay for emergency room visits where you're treated and released.
What Medicare Plan N Covers: Complete Benefits List
Medicare Part A Deductible
Covers the $1,676 annual deductible for hospital stays
Medicare Part A Coinsurance
Covers hospital coinsurance for days 61-90 and lifetime reserve days
Medicare Part B Coinsurance
Covers Part B coinsurance except for $20 office visit and $50 ER copays
Part B Deductible
You pay the $240 annual Medicare Part B deductible
Part B Excess Charges
You pay charges up to 15% above Medicare-approved amounts
Skilled Nursing Facility Coinsurance
Covers coinsurance for days 21-100 in skilled nursing facility
First 3 Pints of Blood
Covers the first 3 pints of blood needed each year
Part A Hospice Coinsurance
Covers hospice care coinsurance and copayments
Foreign Travel Emergency
Covers emergency care during foreign travel (after $250 deductible)
How Plan N Compares to Other Medicare Supplement Plans
| Coverage | Plan N | Plan G | Plan F |
|---|---|---|---|
| Part A Deductible | ✓ Covered | ✓ Covered | ✓ Covered |
| Part B Deductible | ✗ Not Covered | ✗ Not Covered | ✓ Covered |
| Part B Coinsurance | ✓ With Copays | ✓ 100% Covered | ✓ 100% Covered |
| Part B Excess Charges | ✗ Not Covered | ✓ Covered | ✓ Covered |
| Foreign Travel Emergency | ✓ Up to $50,000 | ✓ Up to $50,000 | ✓ Up to $50,000 |
| Average Monthly Premium | $165.45 | $195.58 | $227.83 |
Plan N vs Plan G: The Key Difference
Plan N costs about $30-60 less per month than Plan G but requires small copays for doctor visits ($20) and emergency room visits ($50). For most people, the annual savings from lower premiums exceed the copay costs.
Plan N Cost Analysis: When It Makes Sense
Annual Cost Comparison Example
Plan N Total Annual Cost
Plan G Total Annual Cost
Plan N saves $112 annually in this example
Savings increase if you have fewer doctor visits or choose Plan N in areas where the premium difference is larger
Factors That Affect Plan N Costs
Age
Premiums typically increase as you get older
Location
Costs vary significantly by state and ZIP code
Insurance Company
Different insurers charge different rates for the same coverage
Health Status
May affect premiums if you apply outside of guaranteed issue periods
Tobacco Use
Tobacco users may pay higher premiums
Plan N Advantages and Considerations
Advantages
- Lower premiums than Plan G and Plan F
- Nearly comprehensive coverage
- Predictable out-of-pocket costs
- Freedom to see any Medicare provider
- No prior authorization required
- Available to all Medicare beneficiaries
Considerations
- $20 copay for each doctor visit
- $50 copay for emergency room visits
- Part B deductible not covered ($240)
- Part B excess charges not covered
- Premiums may increase over time
- No prescription drug coverage included
Getting Started with Plan N
Evaluate Your Usage
Consider how often you visit doctors and use healthcare services to determine if Plan N's copays work for your situation.
Compare Prices
Get quotes from multiple insurance companies to find the best rate for identical Plan N coverage in your area.
Enroll
Work with a licensed agent to complete your application and ensure you have the right effective date for your coverage.
Plan N Enrollment Timing
Plan N is available year-round, but the best time to enroll is during your Medigap Open Enrollment Period (6 months starting when you first enroll in Medicare Part B at age 65 or older) for guaranteed issue rights.
Essential Medicare Resources
Complete Medicare Guide 2025
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