Does Medigap Plan N include prescription drug coverage?

Medigap Plan N (a Medicare Supplement policy that pairs with Original Medicare) does not include prescription drug coverage. No standardized Medigap policy sold today includes drug coverage, so if you have Plan N and want help with prescriptions, you add a separate Part D drug plan. Plan N is designed to fill gaps in Original Medicare for hospital and medical costs, such as coinsurance, but drugs you pick up at the pharmacy fall under Part D, which is a different type of coverage. In 2026, Part D also includes a yearly out-of-pocket cap of $2,100 on covered prescription drugs. When pairing Plan N with a Part D plan, check that plan's drug list to confirm your medications are covered. Keeping the two pieces separate, a Medigap policy for medical gaps and a Part D plan for prescriptions, is the standard approach with Original Medicare.