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Medicare Plan N Reviews 2027: Is It Worth It? What Enrollment and Rate Data Say

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Plan N reviews are mostly positive when the company’s Plan N premium is well below its Plan G, and mostly negative when it is not. Plan N covers about 1 in 10 Medicare Supplement enrollees (AHIP), and New York’s 2026 rate tables show savings over Plan G ranging from about $317 a month at one company to nothing at another.

2027 by the Numbers

1.38 million

Plan N enrollees, about 10% of Medicare Supplement (AHIP, end of 2022)

5%

Plan N enrollment growth in 2024 (AHIP)

71%

share of Medicare Supplement insurers offering Plan N (AHIP)

98%

doctors taking Medicare who are participating providers (CMS)

Star ratings and comment threads tell you how one person felt about one bill. A better review of Plan N looks at how many people choose it, what it really saves at different companies, and how often its one big gap, Part B excess charges, actually shows up.

That is what this page does, using AHIP enrollment reports, New York’s official rate tables and CMS data. For company-by-company reviews, see our Medicare Supplement reviews for 2027.

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The Verdict in One Table

Medicare Plan N reviews by the numbers: enrollment, growth and insurers offering Plan N
Question reviewers ask Short answer Evidence
Do many people pick Plan N? Yes, and it is growing 1,377,952 enrollees at the end of 2022; +5% in 2024 (AHIP)
Is it widely available? Yes 71% of insurers with active policies offer it (AHIP)
Does it always save money? No At one New York insurer, Plan N cost more than Plan G
Are excess charges a real risk? Rarely 98% of doctors taking Medicare are participating providers (CMS)
Biggest complaint? Copays Up to $20 at some office visits, up to $50 at the ER

AHIP, The State of Medicare Supplement Coverage (May 2024) and AHIP’s April 2026 report; CMS participation data.

So Plan N is neither a trap nor a sure win. Its value depends on the price gap at the company you choose and on how often you see the doctor.

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What Enrollment Numbers Say About Plan N

AHIP’s May 2024 report counted 1,377,952 people in Plan N at the end of 2022, about 10% of all Medicare Supplement enrollment. Plan F held 39% and Plan G 36%, but Plan F is closed to anyone new to Medicare since 2020.

Slow but steady. Plan N enrollment grew 1.3% from 2019 to 2022, then 5% in 2024, per AHIP’s April 2026 report.

More sellers. The share of insurers offering Plan N rose from 70% to 71%.

Plan G still leads new buyers. Most people new to Medicare choose Plan G, which is why Plan N reviews are so often written as Plan G vs Plan N.

See the full ranking in the most popular Medicare Supplement plans for 2027.

Excess Charges: The Worry vs the Data

Plan N does not pay Part B excess charges. A doctor who does not accept Medicare’s approved amount as full payment can bill up to 15% more for many services. Many reviews treat this as a major risk. The numbers say otherwise for most people.

Participation is near universal. CMS reports 98% of doctors who take Medicare are participating providers, which means they cannot bill excess charges.

Some states go further. Massachusetts and Minnesota bar excess charges for most care, and New York limits them to 5% for most services.

Where it still matters. Some specialists and medical equipment suppliers do not participate. Ask before you book.

If your doctors are all participating providers, the excess charge gap rarely costs you anything. More on how it works in Plan G vs Plan N for 2027.

Where Plan N Barely Saves: New York's Rate Tables

Medicare Plan N reviews: monthly Plan N savings over Plan G by company in New York's 2026 rate tables

New York publishes every company’s Plan G and Plan N premium by region. Because the state uses community rating, these are the same for every age. We compared each company’s two plans in the August 2026 tables.

Company and region Plan G per month Plan N per month Plan N saves
Bankers Conseco, New York City $840.28 $523.54 $316.74
Humana, New York City $709.98 $503.23 $206.75
Highmark BCBS of NNY, Albany $492.20 $321.82 $170.38
EmblemHealth, New York City $432.09 $314.77 $117.32
UnitedHealthcare, New York City $372.50 $299.00 $73.50
Globe Life, Long Island $461.00 $450.00 $11.00
Excellus BCBS, Albany $477.04 $481.97 Costs $4.93 more

Source: New York Department of Financial Services Medicare Supplement rate tables, August 1, 2026. Savings are our calculation.

Lesson: A bad Plan N review is often a pricing problem, not a coverage problem. At Globe Life on Long Island, two $20 office copays a month would cost more than Plan N saves.

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The Copay Complaint, Explained

The most common gripe in Plan N reviews is surprise copays. They are spelled out in the plan, but many people do not read the details until the first bill.

Situation What you pay with Plan N
Yearly Part B deductible $283 in 2026; projected $292 in 2027
Some office visits Up to $20 per visit
ER visit, sent home Up to $50
ER visit, admitted to the hospital $0 copay
Visit with a non-participating doctor Up to 15% excess charge

Benefits from Medicare.gov; 2027 deductible is a Medicare Trustees projection.

Broker tip: Count your doctor visits from last year. If you see specialists every month, multiply by $20 and compare that with the Plan N savings at the company you are considering.

Who Writes Good Plan N Reviews, and Who Does Not

1

Healthy people with few visits. They pay the lower premium all year and rarely hit a copay.

2

People who chose a company with a big G-to-N gap. At $100 or more a month in savings, copays rarely catch up.

3

People whose doctors all accept Medicare’s rate. Excess charges never show up for them.

4

Budget-minded new enrollees. Plan N gives Plan G-style protection on hospital bills for less. Our Medicare Plan N quotes page shows real premiums by state.

Frequent specialist visitors. Someone with monthly specialist appointments can pay $240 or more a year in office copays, which may cancel out a small premium gap.

People who bought on premium alone. If the company’s Plan N was only a few dollars below its Plan G, the copays turn a good plan into a poor deal.

Patients of non-participating specialists. A 15% excess charge on a large outpatient bill can be a real surprise when Plan N does not pay it.

Bottom Line

Plan N earns good reviews when you buy it from a company with a real price gap to its Plan G and your doctors accept Medicare’s rate. It disappoints when the savings are tiny, as New York’s tables show at some insurers. Check the gap first, then decide.

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Medicare Plan N Reviews 2027 — Frequently Asked Questions

➤ Why do some Plan N reviews say it was not worth it?

Usually the company’s Plan N cost almost as much as its Plan G, so the copays ate the savings. In New York’s 2026 tables, one insurer’s Plan N cost more than its Plan G.

➤ How many people have Plan N?

AHIP counted 1,377,952 Plan N enrollees at the end of 2022, about 10% of all Medicare Supplement enrollment.

➤ Is Plan N getting more popular?

Yes. AHIP’s April 2026 report said Plan N enrollment grew 5% in 2024.

➤ How often do doctors charge excess charges?

Rarely. CMS reports 98% of doctors who accept Medicare are participating providers, and participating providers cannot charge them.

➤ Which states limit Part B excess charges?

Massachusetts and Minnesota bar them for most care, and New York caps most at 5%. Other states follow the federal 15% limit.

➤ Do I pay the $50 ER copay if I am admitted?

No. The ER copay under Plan N is waived if the visit leads to an inpatient admission.

➤ Should I trust star ratings for Plan N?

Use them with care. Plan N benefits are identical at every company, so ratings mostly reflect price, rate increases and service at one insurer.

➤ Is Plan N a good choice for 2027?

It can be if the premium gap to Plan G is large where you live and you do not see the doctor often. Compare both plans from the same company.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

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