Medicare Supplement Plan N in Washington

What Plan N leaves you paying

• The Part B deductible ($283 in 2026), the same as Plan G.
• Up to $20 for some office visits.
• Up to $50 for an emergency room visit that doesn't lead to an inpatient admission. If you're admitted, the ER copay is waived.
• Part B excess charges, up to 15% above the Medicare-approved amount, if a provider doesn't accept Medicare assignment.

Everything else Plan G covers, Plan N covers too: the Part A hospital deductible, Part B coinsurance after the copays, skilled nursing, hospice, blood, and 80% of foreign travel emergencies.

When Plan N comes out ahead

Plan N wins when the premium saving over a year is bigger than the copays you'll actually pay. With twelve months of premium difference on one side and $20 a visit on the other, someone who sees a doctor a handful of times a year usually comes out ahead with N. Someone managing a chronic condition with frequent specialist visits often doesn't. Our Plan G vs Plan N guide calculates the break-even for each insurer we compare that sells both.

Excess charges in Washington

Washington doesn't ban Part B excess charges, but most Washington doctors accept Medicare assignment, so excess charges are uncommon. You can ask any provider "Do you accept Medicare assignment?" before an appointment. If they say yes, there's no excess charge.

Switching later

If you start with Plan N and your health changes, Washington lets you move from Plan N to Plan G (or any Plan B through N) at any time with no health questions. That rule makes Plan N less of a gamble here than in states where switching up requires medical underwriting.