Supplied agency flyer; benefit-year figures retained as provided. Standard plan description; SELECT hospital restrictions are separate.

Why Choose Medicare Supplement Plan N?

Plan N Overview

Your out-of-pocket costs are predictable when your provider accepts Medicare assignment. In that case, your responsibility includes:

Your plan premium

The annual Medicare Part B deductible ($283 for 2026)

Up to $20 doctor visit copays

Up to $50 emergency room copays (waived if admitted as an inpatient)

Part B excess charges (if a doctor does not accept assignment, which doctors can bill up to 15% above the Medicare-approved amount)

Plan N offers a strong combination of comprehensive benefits and value among standardized Medicare Supplement plans.

Features and Benefits

$0 deductible for all Part A covered expenses

0% coinsurance for Part A and Part B covered expenses

Up to $20 copay at the doctor’s office for Medicare-approved services

$0 copay for Part A hospital costs, plus an extra 365 days of inpatient hospital coverage after Medicare benefits are exhausted

$0 copay for MRI, CT, X-ray, and lab tests

$0 copay for ambulance services

Up to $50 copay for emergency room visits (waived if admitted)

$0 copay for outpatient surgery

Freedom to visit any doctor or hospital that accepts Medicare (no provider networks)

No referrals required

No pre-authorization required by the plan for procedures

Nationwide coverage — good in all 50 states

Foreign Travel Emergency Coverage: 80% of approved out-of-pocket costs for emergency care outside the U.S. (after a $250 deductible, up to a $50,000 lifetime maximum; emergency must begin within the first 60 days of travel)

Electronic claims filing included

Helps preserve your hospital “lifetime reserve days”

No lock-in period

You keep Traditional Medicare Parts A & B

30-day "Free Look" money-back guarantee from the date your policy is issued

You may also purchase an optional stand-alone Part D prescription drug plan for an additional premium.

Why Your Insurance Company Matters

Medicare Supplement policies are standardized, meaning the core medical benefits are identical regardless of which insurance company you choose. However, premium rates, underwriting rules, customer service, and future rate increases vary by carrier. Selecting a stable, reputable carrier is important.

Important Policy Notes: Coverage is subject to Medicare rules, policy terms, and medical underwriting (unless you qualify for a guaranteed issue right). Medigap policies help pay for certain Original Medicare cost-sharing and do not cover every service, such as most routine dental, vision, hearing care, or outpatient prescriptions.