HealthSpring (formerly Cigna) Medicare Supplement Plan N in Tampa Bay and the Orlando Area

Why Choose HealthSpring for Medicare Supplement Plan N? 🌟

HealthSpring brings several advantages to Medicare Supplement insurance:

• Established Legacy, New Backing: HealthSpring is a Medicare brand with roots going back over 20 years, now backed by Health Care Service Corporation (HCSC), one of the nation’s largest customer-owned health insurers, serving more than 26 million members
• Competitive Rates: HealthSpring frequently offers competitive Plan N premiums in Florida
• Transition Note: HealthSpring is a newly rebranded Medicare Supplement offering in Florida as of 2026. The underlying plan and pricing structure carry over from the prior Cigna-branded coverage, though rate history under the new brand name is limited
• Lower Premiums Than Plan G: Plan N typically saves $200–$480 annually compared to Plan G while keeping strong coverage
• Customer Service: Dedicated support for Medicare Supplement policyholders
• Financial Strength: Strong financial ratings providing long-term stability

🧠 New to Medicare? Start with our comprehensive Guide to the Four Parts of Medicare.

What Is Medicare Supplement Plan N? 🛡️

Medicare Supplement Plan N (also called Medigap Plan N) is a standardized insurance policy that works alongside Original Medicare Part A and Part B to cover most of the out-of-pocket costs that Medicare doesn’t pay.

Plan N offers nearly the same comprehensive coverage as Plan G but with lower monthly premiums. The trade-off? Small, predictable copays when you see doctors.

Important: Plan N benefits are standardized by federal law. HealthSpring’s Plan N covers exactly the same things as Plan N from any other insurance company — the only differences between carriers are price and customer service. This is why comparing rates across multiple carriers before enrolling is so important.

What Does HealthSpring Medicare Supplement Plan N Cover? 📋

HealthSpring Plan N provides comprehensive coverage with just a few small copays:

1. Part A Hospital Coinsurance and Hospital Costs 🏥

HealthSpring Plan N covers 100% of Part A hospital coinsurance ($434/day for days 61-90, $868/day for lifetime reserve days in 2026), plus an additional 365 days of hospitalization after Medicare benefits are exhausted.

2. Part A Deductible ($1,736 in 2026) 💰

HealthSpring Plan N covers the Part A deductible completely. You won’t pay anything out of pocket when admitted to the hospital for a covered stay.

3. Part A Hospice Care Coinsurance or Copayment ❤️

HealthSpring Plan N covers the small copayments required for hospice care outpatient drugs and respite care.

4. Skilled Nursing Facility Coinsurance ($217/day for days 21-100 in 2026) 🏨

For days 21-100 in a skilled nursing facility, HealthSpring Plan N covers 100% of the $217/day coinsurance required in 2026.

5. Part B Coinsurance or Copayment (with small exceptions) 👨‍⚕️

After you meet the Part B deductible, HealthSpring Plan N covers the 20% coinsurance that Original Medicare doesn’t pay — except for:

• Office visits: Up to $20 copay per visit
• Emergency room visits: Up to $50 copay (waived if you’re admitted to the hospital)

These copays are the trade-off for Plan N’s lower premiums. For most beneficiaries, the annual copay costs are considerably less than the premium savings.

6. First Three Pints of Blood 🩸

HealthSpring Plan N covers the cost of the first three pints of blood each year if needed for a covered procedure.

7. Foreign Travel Emergency (Up to Plan Limits) ✈️

If you have a medical emergency while traveling outside the U.S., HealthSpring Plan N provides coverage after a $250 deductible, paying 80% of costs up to a lifetime maximum of $50,000. A valuable benefit for retirees who travel internationally or cruise frequently.

What Does HealthSpring Plan N NOT Cover? ❌

Plan N has a few gaps compared to Plan G:

1. Part B Deductible ($283 in 2026)

You pay the first $283 in Part B medical expenses each year before Plan N coverage kicks in. (Plan G doesn’t cover this either.)

2. Office Visit Copays (Up to $20)

Every time you see a doctor — primary care or specialist — you’ll pay up to $20 per visit. This is the main cost difference between Plan N and Plan G.

3. Emergency Room Copays (Up to $50)

If you visit the emergency room, you’ll pay up to $50 (waived if admitted as an inpatient). Most beneficiaries rarely visit the ER, so this rarely impacts total annual costs significantly.

4. Part B Excess Charges

If a doctor charges up to 15% more than the Medicare-approved amount, Plan N doesn’t cover these “excess charges.” However, excess charges are relatively uncommon — over 96% of physicians accept Medicare assignment, which means they agree not to charge excess charges.

Plan N vs. Plan G: The Math 🧮

Here’s what most people want to know: Will Plan N’s lower premiums save me money even with the copays?

Typical Premium Savings with Plan N:
Plan N premiums are typically $25–$40 per month lower than Plan G — that’s $300–$480 per year in savings.

The Copay Math:
If Plan N saves you $400/year in premiums, how many doctor visits would wipe out those savings?

$400 ÷ $20 per visit = 20 doctor visits per year

Most beneficiaries see doctors far less frequently than 20 times per year. Even with chronic conditions and regular specialist visits, you’d need to average nearly 2 appointments per month just to break even on copays vs. premium savings.

Example Scenario:

• Annual wellness visit: $20
• Quarterly checkups: 4 visits × $20 = $80
• Occasional sick visits: 3 visits × $20 = $60
• Specialist visits: 4 visits × $20 = $80
• Total copays: $240
• Premium savings vs. Plan G: $400
• Net savings with Plan N: $160

💰 Want Timothy to run the numbers for your specific situation? Schedule your free consultation!

What You Still Need Beyond HealthSpring Plan N 🤔

Medicare Supplement plans only cover costs associated with what Original Medicare covers. You’ll still need to plan for:

1. Prescription Drug Coverage (Part D) 💊

Critical: HealthSpring Plan N does NOT include prescription drug coverage. You must enroll in a standalone Medicare Part D plan to cover your medications. If you don’t enroll when first eligible and don’t have other creditable drug coverage, you may pay a permanent late enrollment penalty.

2. Dental Coverage 🦷

Original Medicare and HealthSpring Plan N don’t cover routine dental care like cleanings, fillings, crowns, or dentures. Separate dental insurance is available from several carriers.

3. Vision Coverage 👓

Routine vision exams, eyeglasses, and contact lenses aren’t covered by Medicare or HealthSpring Plan N. Standalone vision insurance is available from several carriers.

4. Hearing Coverage 👂

Medicare doesn’t cover routine hearing tests or hearing aids. Standalone hearing coverage is available from several carriers.

HealthSpring Plan N vs. Medicare Advantage: Which Is Right for You? 🤔

Choose HealthSpring Plan N If You:

• Want freedom to see any doctor in the country who accepts Medicare — no networks, no referrals required
• Are relatively healthy and don’t see doctors frequently
• Want comprehensive Medigap coverage at a lower cost than Plan G
• Don’t mind small, predictable copays when you do see doctors
• Travel frequently or split time between multiple states
• Want protection from catastrophic expenses with predictable costs

Consider Medicare Advantage If You:

• Want to minimize guaranteed monthly costs (many Medicare Advantage plans have $0 premiums)
• Want dental, vision, hearing, and other extra benefits included in one plan
• Are comfortable using a network of providers
• Primarily stay in your local area

🛡️ Read our complete comparison: Medicare Supplement vs Medicare Advantage.

How Much Does HealthSpring Plan N Cost in Tampa Bay? 💵

Plan N premiums vary based on age, gender, tobacco use, and ZIP code.

Plan N premiums are typically $25–$50/month lower than Plan G premiums in Florida — that’s $300–$600 per year in potential savings.

Important: Rates can vary significantly between carriers for the exact same Plan N coverage. Timothy Gibson compares multiple companies for you before you enroll — at no cost.

HealthSpring Medicare Supplement Plan N — Frequently Asked Questions

What does HealthSpring Medicare Supplement Plan N cover?

HealthSpring Medicare Supplement Plan N covers most Medicare cost-sharing with just a few small copays. Specifically, Plan N covers: the Part A hospital deductible ($1,736 in 2026), Part A hospital coinsurance for days 61-90 and lifetime reserve days, skilled nursing facility coinsurance ($217/day for days 21-100 in 2026), Part B coinsurance (20% of all covered services after the deductible, except up to $20 per office visit and up to $50 per ER visit), hospice care coinsurance, the first three pints of blood, and foreign travel emergency coverage up to plan limits. Plan N does NOT cover the annual Part B deductible ($283 in 2026) or Part B excess charges. Because Plan N benefits are standardized by federal law, every insurance company’s Plan N covers exactly the same items — only the premium differs.

What is the difference between HealthSpring Plan N and Plan G?

Both Plan N and Plan G are standardized Medigap policies that cover most Medicare cost-sharing. The differences are: Plan G has a higher monthly premium but no office visit copays and covers Part B excess charges. Plan N has a lower monthly premium — typically $25–$50/month less than Plan G — but charges up to $20 per doctor visit, up to $50 per ER visit (waived if admitted), and does not cover Part B excess charges. For beneficiaries who see doctors fewer than 20 times per year, Plan N often saves money overall. Timothy Gibson will run the math for your specific situation at no cost.

Is HealthSpring Plan N worth it compared to Plan G?

For many beneficiaries — particularly those who are relatively healthy and see doctors fewer than 15-20 times per year — Plan N is worth it because the annual premium savings typically exceed the total copay costs. The break-even point is roughly: if Plan N saves you $400/year in premiums and you pay $20 per visit, you’d need more than 20 doctor visits per year for Plan G to come out ahead. Timothy Gibson can run a personalized break-even analysis for your specific situation at no cost — call 813-501-5011.

How much does HealthSpring Plan N cost in Tampa Bay in 2026?

HealthSpring Plan N premiums in Tampa Bay vary based on your age, gender, tobacco use, and ZIP code — and are typically $25–$50/month lower than Plan G premiums. Because Plan N benefits are identical at every carrier, comparing premiums across multiple companies is essential before enrolling. Timothy Gibson provides free multi-carrier Plan N rate comparisons — call 813-501-5011 for a personalized quote.

Does HealthSpring Plan N cover Part B excess charges?

No. HealthSpring Medicare Supplement Plan N does not cover Part B excess charges. Excess charges occur when a doctor charges up to 15% more than the Medicare-approved amount. However, excess charges are relatively uncommon — over 96% of physicians who accept Medicare take Medicare assignment, which means they agree not to charge excess charges. In Florida, excess charges are a relatively minor concern for most beneficiaries, which is one reason Plan N remains a strong value despite this gap.

What is the Medigap Open Enrollment Period and why does it matter for Plan N?

Your Medigap Open Enrollment Period is a 6-month window that begins when you are both age 65 or older AND enrolled in Medicare Part B. During this period, insurance companies cannot deny you a Medigap policy — including Plan N — cannot charge you more due to pre-existing health conditions, and cannot impose waiting periods. This is the most important enrollment window for Medicare Supplement insurance. Outside this window, you may face medical underwriting and carriers can deny your application or charge higher premiums based on health conditions.

Can I switch from Plan N to Plan G later?

You can apply to switch from Plan N to Plan G at any time, but outside of your Medigap Open Enrollment Period you will typically face medical underwriting. If your health has changed since you originally enrolled in Plan N, you may be denied or charged a higher premium for Plan G. This is why it’s important to make a thoughtful decision at initial enrollment — and why Timothy Gibson runs a thorough Plan G vs. Plan N analysis before you enroll, not after.

Does HealthSpring Plan N cover prescription drugs?

No. HealthSpring Medicare Supplement Plan N does not include prescription drug coverage. You must enroll in a standalone Medicare Part D Prescription Drug Plan to cover your medications. If you fail to enroll in Part D when first eligible and do not have other creditable drug coverage, you may face a permanent late enrollment penalty. Timothy Gibson can help you identify the right Part D plan to pair with your HealthSpring Plan N — at no cost to you.

Why should I compare HealthSpring Plan N against other carriers?

Because Plan N benefits are identical at every insurance company — standardized by federal law — the only meaningful differences between carriers are the monthly premium and the company’s history of rate increases. HealthSpring may be the most competitive option in your ZIP code, or another carrier may offer a lower premium for the exact same coverage. Timothy Gibson represents multiple Plan N carriers and provides free side-by-side rate comparisons across Tampa Bay and the Orlando Area. Call 813-501-5011 or schedule a free consultation online.

HealthSpring Plan N vs. HealthSpring Plan G: Which Should You Choose? 🤔

Choose Plan N if you:

• Are relatively healthy and see doctors fewer than 20 times per year
• Want to minimize guaranteed monthly costs
• Don’t mind small, predictable copays when you see doctors
• Want comprehensive coverage at a lower premium than Plan G

Choose Plan G if you:

• Have chronic conditions and see doctors frequently
• See multiple specialists regularly
• Prefer zero out-of-pocket costs after paying your annual deductible and monthly premium
• Can comfortably afford the higher monthly premium

📖 Read our complete Plan G guide for detailed comparisons.

When Can I Enroll in HealthSpring Plan N? 📆

Medigap Open Enrollment Period (Best Time to Enroll) ⭐

Your Medigap Open Enrollment Period is the 6-month period that starts when you’re 65 or older AND enrolled in Medicare Part B. During this time:

• Guaranteed Acceptance: Insurance companies cannot deny you coverage or charge more due to health conditions
• No Medical Underwriting: You don’t have to answer health questions
• Standard Rates: You get standard rates regardless of health status

This is the single most important window for Medigap enrollment. Don’t miss it.

Outside Open Enrollment (Medical Underwriting Applies)

If you apply for HealthSpring Plan N outside your Medigap Open Enrollment Period, you’ll typically face medical underwriting. HealthSpring can deny coverage or charge higher premiums based on your health history.

Limited Exceptions: You may have guaranteed issue rights in certain situations — for example, if your Medicare Advantage plan leaves your service area or is discontinued. Timothy Gibson can help you determine if you qualify for a Special Enrollment Period.

📅 Review all Medicare enrollment periods and deadlines for 2026.

Why Compare HealthSpring Plan N Through HealthPlan4U.com? 🌟

Timothy Gibson is an independent licensed Medicare insurance broker based in Tampa, Florida, with 16 years of Medicare industry experience and 8 years as a licensed broker. He represents HealthSpring and multiple other Plan N carriers across Tampa Bay and the Orlando Area — meaning he compares rates objectively and recommends what’s right for your situation.

• ✓ True Comparison Shopping: Timothy represents HealthSpring AND most other major Plan N carriers — you get genuine side-by-side rate comparisons
• ✓ Same Price, Better Service: You pay the same premium whether you buy direct from HealthSpring or through Timothy — but you get his ongoing support at no extra cost
• ✓ Plan N vs. Plan G Analysis: Timothy will run the numbers to show which plan saves you more based on your specific health and visit patterns
• ✓ 16 Years of Industry Experience: Deep knowledge of the Tampa Bay and Orlando Area Medicare market and carrier rate history
• ✓ Part D Coordination: Timothy will help you find the right Part D plan to pair with your Plan N
• ✓ Annual Rate Reviews: Timothy checks your rates every year and helps you switch carriers if better options emerge
• ✓ Completely Free: Insurance companies pay broker commissions — Timothy’s services cost you nothing
• ✓ Local Expertise: Serving Hillsborough, Pinellas, Pasco, Polk, Orange, Seminole, and Osceola Counties

🧠 Learn what your Medicare broker should be doing for you.

Get Your Free HealthSpring Plan N Quote 📋

Ready to explore HealthSpring Plan N and compare it against other top-rated carriers? Contact HealthPlan4U today for a free, no-obligation consultation:

📞 Call: 813-501-5011
📧 Email: tim@healthplan4u.com
🌐 Website: www.healthplan4u.com/contact

During your free consultation, Timothy will:

• Get you personalized Plan N quotes from HealthSpring and other top carriers
• Run the math: Plan N vs. Plan G to see which saves you more money
• Review carrier rate increase histories to help you choose a stable long-term option
• Calculate your break-even point for copays vs. premium savings
• Help you find the right Part D plan for your medications
• Answer all your questions about Medicare Supplement insurance
• Handle your enrollment if you choose HealthSpring or any other carrier

Important Disclosures ⚠️

This information is not a complete description of benefits. Contact HealthSpring (formerly Cigna) or HealthPlan4U.com for more information. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

Medicare Supplement Plan N benefits are standardized by federal law. Benefits listed reflect the standardized Plan N benefit structure for 2026. Cost figures (deductibles, coinsurance amounts) are based on 2026 Medicare figures and are subject to change annually.

For Medicare Supplement plans: Applicants are subject to medical underwriting outside of guaranteed issue periods. Acceptance is not guaranteed. Pre-existing condition waiting periods may apply in certain circumstances.

HealthPlan4U.com (TRG Life and Health Insurance) is an independent insurance agency and is not affiliated with or endorsed by HealthSpring (formerly Cigna) or the federal Medicare program. We represent multiple Medicare Supplement carriers including but not limited to HealthSpring (formerly Cigna), Mutual of Omaha, Aetna, UnitedHealthcare, and Humana.

Licensed in Florida | License #: P096286 | NPN: 8832650
Service Areas: Hillsborough, Pinellas, Pasco, Polk, Orange, Seminole, and Osceola Counties