Medigap Plan N is one of the supplement plans that you will find with the lowest premiums due to the increase in cost share between the plan and the client. Below is what would be covered 100%:
Here is what you would be responsible for if you chose a Medigap Plan N:
Plan N is quickly becoming one of the most popular plans available and historically has experienced lower rate increases than the Plan F or Plan G.
If you want to find out what the lowest premiums in you area are, feel free to fill out the form on this page or press the "Click to Call" button below.
Medicare disclaimer: This is a solicitation of insurance. A licensed insurance agent is contracted with multiple carriers offering Medicare Advantage and Prescription Drug plans each with a Medicare contract. Enrollment depends on contract renewal. Contact may be made by a licensed insurance agent or insurance company. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all your options.
Ready to secure your peace of mind through the best medicare insurance plan for you and your family? Look no further! Mere is here to guide you every step of the way.
For Self-Employed Individuals Exploring Health Insurance Outside the Marketplace
Yes! We regularly host free Medicare 101 webinars and in-person seminars to help you understand your options and get your questions answered.
Check out our Events Page to find an upcoming webinar or seminar near you — and reserve your spot!
Medicare is a federal health insurance program for people 65 and older, certain younger individuals with disabilities, and those with End-Stage Renal Disease (ESRD). Eligibility typically starts at age 65 based on your work history or your spouse’s.
Medicare includes:
Part A (hospital coverage)
Part B (medical coverage)
Part C (Medicare Advantage plans that bundle A, B, and often D)
Part D (prescription drug coverage — Learn more about Part D plans here)
If you are already receiving Social Security benefits, you'll usually be enrolled automatically in Part A and Part B. Otherwise, you need to enroll during your Initial Enrollment Period. If you plan to add prescription coverage, be sure to explore Part D options here.
Most people should enroll during their Initial Enrollment Period — a 7-month window surrounding your 65th birthday.
If you need additional protection beyond Original Medicare, you can learn about Medicare Supplement plans here.
Original Medicare (Part A and B) allows you to see any doctor who accepts Medicare nationwide.
Medicare Advantage (Part C) is offered by private companies and often includes extras like dental, vision, or gym memberships. Learn more about Medicare Advantage plans here.
Medicare Supplement plans help cover costs like copays, coinsurance, and deductibles that Original Medicare doesn't pay for.
If you want predictable out-of-pocket costs and nationwide provider access, read about Medicare Supplement options here.
Yes! You can:
Review your coverage annually during the Annual Enrollment Period (October 15–December 7)
Qualify for a Special Enrollment Period after certain life events You can update your Part D, Medicare Supplement, or Medicare Advantage coverage based on your needs.
Enroll in Part B and Part D when you first become eligible unless you have qualifying employer coverage.
If you skip Part D coverage and don't have creditable drug coverage, you could face a lifelong penalty — Learn more about Part D here.
You might be able to delay Part B and Part D without penalty if your employer coverage qualifies. It's important to understand how that impacts future enrollment in Medicare Supplement or Medicare Advantage plans.
Our licensed team helps you:
Understand your choices
Compare different plan types
Stay updated year after year We work with most major insurance companies and help you find the Medicare coverage that best fits your needs — at no cost to you.
A Certified Medicare Insurance Planner® (CMIP®) has completed advanced, specialized training in Medicare planning and solutions. This certification goes beyond basic licensing, equipping advisors to guide clients with greater expertise, strategy, and care. Choosing a CMIP® ensures you’re working with someone who deeply understands how Medicare fits into your overall retirement and healthcare planning.
At Mere, we believe Medicare should be simple, not overwhelming.
Our team is licensed, certified, and continuously trained to stay ahead of changes in Medicare.
We focus on listening first — helping you find the coverage that fits your unique needs.
We offer ongoing support year after year, not just at enrollment.
We work with most major insurance carriers and advocate for your best interest — not just one company’s plan. Our mission is simple: Helping you make informed, confident choices. (And there’s no cost to you for our services!)
Medicare Advantage plans offer bundled coverage (hospital, medical, and usually prescriptions) and often include extra benefits like dental and vision. But they also come with trade-offs like limited networks and potential for higher out-of-pocket costs.
Feeling overwhelmed by all the choices?
We created a step-by-step guide to make Medicare — and Social Security — simple.
We created a step-by-step guide to make Medicare — and Social Security — simple.
This is a solicitation of insurance. A licensed insurance agent with Mere is contracted with multiple carriers offering Medicare Advantage and Prescription Drug Plans. Enrollment depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY:1-877-486-2048) to get information on all your options.
This site is owned and operated by Mere, an independent insurance agency. It is not associated with, endorsed by, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare and Medicaid Services. For official information about Medicare, visit www.medicare.gov.
Certified Medicare Insurance Planner™
DBA, authorizes the use of its trademarks CMIP®, and Certified Medicare Insurance Planner™ to agents that have met Certified Medicare Insurance Planner™, DBA administration's initial and ongoing requirements. The Federal Government, CMS, and Medicare do not affiliate with or endorse ANY professional designation, which includes the CMIP® designation.
Need Help? The MereCare Team is here for you year-round.
Licensed Insurance Agency
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This website is not affiliated with or endorsed by any government agency, including the United States government, the federal Medicare program, the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare & Medicaid Services.
This is a proprietary website and is not associated with Healthcare.gov.
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