What Is Medigap Plan N? 
Medigap Plan N is one of the 10 standardized Medicare Supplement plans . Medigap Plan N covers 100 % of the following : Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up . Medicare Part B Coinsurance -LRB- except for a co-pay of up to $ 20 for some office visits and up to $ 50 co-pay for an emergency room visit -- waived if admitted -RRB- . Blood -LRB- first 3 pints -RRB- Part A Hospice Care Coinsurance or Co-pay Skilled Nursing Facility Care Coinsurance Medicare Part A deductible Foreign Travel Emergency -LRB- Up to Plan Limits -RRB- Medigap Plan N DOES NOT cover the following : Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- Medicare Part B Excess Charges -LRB- if the amount a provider is legally permitted to charge is higher than the Medicare approved amount , the difference is the excess charge -RRB- . Medigap Plan N is used by many Medicare Beneficiaries , but it does fall short in not covering Excess Charges . It is important to be aware of how Excess Charges can be charged to you by a provider who does not accept assignment . You may wonder why anyone would bother with Plan N if they have to worry about Excess Charges . The premium for Plan N is often the reason why people choose it . 