Medicare Supplement Plan N 2027

Deciding between the two most popular plans? See our full Plan G vs Plan N 2027 comparison, including the break-even math on premiums versus copays.

Plan N leaves four costs to you. Only the last one is a monthly bill.

Plan N does not include prescription drug coverage. You’ll need a separate Part D plan, and for 2027 that plan carries a $2,400 annual out-of-pocket cap with a $700 standard deductible.

Plan N and Plan G are the two plans most people new to Medicare weigh against each other. They pay the same hospital, skilled nursing and coinsurance benefits. The differences come down to three things.

If you see doctors often or live in a state where excess charges are common, Plan G is usually the safer buy. If you’re healthy and see a doctor a few times a year, Plan N’s lower premium often comes out ahead.

Plan N premiums are filed carrier by carrier and state by state, and they vary with your age, your ZIP code and, in most states, tobacco use. Carriers are still filing 2027 rates. For 2026, MoneyGeek’s analysis puts Plan N at about $148 a month at age 65 under attained-age pricing, rising to about $267 a month at older ages.

Plan N is also subject to the same rate increase trend hitting Plan G. Plan G rate increases averaged 16.8% across the industry in 2026, and many carriers raise Plan N by similar amounts. See our breakdown of Medicare Supplement Plan G cost in 2027 for how age and pricing method change what you pay over time.

Because every Plan N pays the same benefits, the only meaningful comparison is Plan N against Plan N: same letter, same coverage, different price.

The math is simple. Take the yearly premium you’d save choosing Plan N over Plan G, then compare it to the copays you’d expect to pay.

For example, if Plan N costs you $30 a month less than Plan G, you save $360 a year. At up to $20 per office visit, you’d need 18 copay visits in a year before Plan G comes out cheaper. Many visits carry less than the full $20, so the real break-even is often higher.

A doctor who doesn’t accept Medicare assignment can bill up to 15% above Medicare’s approved amount. That extra is called a Part B excess charge. Plan G covers it. Plan N does not.

In practice, most doctors accept assignment and never bill excess charges. Several states, including New York, Pennsylvania, Ohio, Massachusetts and Minnesota, limit or prohibit them altogether. Before choosing Plan N, check whether the doctors you see accept Medicare assignment.

➤ What does Medicare Supplement Plan N cover?

Plan N covers the Part A hospital deductible, Part A coinsurance and hospital costs, skilled nursing facility coinsurance, Part B coinsurance except for copays of up to $20 for some office visits and up to $50 for emergency room visits, the first three pints of blood, hospice coinsurance and 80% of foreign travel emergency care. It does not cover the Part B deductible or Part B excess charges.

➤ How much does Plan N cost in 2027?

Carriers set 2027 Plan N rates through state filings, so there is no single national price. For 2026, MoneyGeek puts Plan N at about $148 a month at age 65 under attained-age pricing. Your actual premium depends on your age, ZIP code, carrier, pricing method and tobacco use.

➤ What are the Plan N copays?

Plan N charges up to $20 for some office visits and up to $50 for emergency room visits. The emergency room copay is waived if you are admitted to the hospital as an inpatient. You also pay the annual Part B deductible, which is $283 in 2026.

➤ Is Plan N better than Plan G?

It depends on how often you use care. Plan N has a lower premium but charges copays and doesn’t cover Part B excess charges. If the yearly premium you save with Plan N is larger than the copays you expect to pay, Plan N wins. If you see doctors often, Plan G usually costs less overall.

➤ Does Plan N cover Part B excess charges?

No. Plan N does not cover Part B excess charges, which a doctor who doesn’t accept Medicare assignment can bill up to 15% above Medicare’s approved amount. Most doctors accept assignment, and several states limit or prohibit excess charges.

➤ Does Plan N cover prescription drugs?

No. Medicare Supplement plans sold today do not include prescription drug coverage, so Plan N enrollees need a separate Part D plan. For 2027 the Part D annual out-of-pocket cap is $2,400 and the standard deductible is $700.