What AARP Medigap Plan N Covers
AARP Medigap Plan N is a standardized Medigap policy that helps fill gaps in Original Medicare (Parts A and B). Like all Medigap plans labeled N, it must offer the same core benefits regardless of insurer, though AARP-endorsed plans are administered by UnitedHealthcare. Plan N covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits end, Part B coinsurance or copayment, and the first three pints of blood. It also covers skilled nursing facility coinsurance and a proportion of hospice care copays under Medicare.
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Where Plan N differs from more generous plans like Plan G is that it does not cover the Part B deductible. It also generally does not cover excess charges, the difference between what a doctor accepts as Medicare payment and the Medicare-approved amount, unless the provider accepts assignment and agrees not to balance-bill.
What Plan N Does Not Cover
Because Plan N is designed with a lower premium in exchange for more out-of-pocket responsibility, you will typically pay the Medicare Part B deductible each year. You may also face copayments for outpatient visits, usually around $20 for doctor services and $0 for emergency room visits when not admitted, though exact copay structures can vary by carrier.
Why AARP Endorses Plan N
AARP offers Medigap Plan N through its partnership with UnitedHealthcare, which provides the underwriting, claims administration, and customer service. AARP membership is required to enroll in the AARP-branded plan. Plan N often appeals to people who want a lower monthly premium and are comfortable paying small copays for routine outpatient care in exchange for reduced monthly costs.
Enrollment and Guaranteed-Issue Rights
The best time to buy any Medigap policy, including Plan N, is during the six-month Medigap open enrollment period that begins the first day you are 65 or older and enrolled in Medicare Part B. During that window, insurers cannot deny you coverage or charge more based on health history. Outside that window, availability and pricing depend on medical underwriting and vary by state.
Comparing Plan N to Other Medigap Options
| Feature | Plan N | Plan G | Plan F |
|---|---|---|---|
| Part B deductible | You pay | Covered | Covered |
| Part B excess charges | Not covered | Not covered | Not covered |
| Copays for outpatient visits | Yes, typically | No | No |
| Monthly premium range | Lower | Higher | Highest (no new sales) |
Plan F is no longer sold to people newly eligible for Medicare, making Plan G the closest no-deductible alternative to Plan N. Plan N remains a cost-effective choice for those who can manage small copays.
How to Enroll Through AARP
To enroll in an AARP Medigap Plan N, visit the AARP website or call the AARP member services line. You will need your Medicare number and the effective date of your Part B coverage. Premiums vary by state, age, and gender. Compare the AARP plan with other insurers offering Plan N, since standardized benefits are identical but premiums and customer service differ.