Medigap Plan G vs. Plan N
The two most popular Medigap plans, side by side — and how to tell which one fits your budget and how you use care.
Among Medicare Supplement (Medigap) plans, Plan G and Plan N are the two most popular for new enrollees. Both fill gaps in Original Medicare and let you see any provider that accepts Medicare — the difference is in the details and the price.
Plan G
Plan G is the most comprehensive Medigap option widely available to new enrollees. After you pay the once-a-year Part B deductible, it covers virtually all your remaining Medicare-approved costs — no copays at the doctor or hospital. The trade-off is a higher monthly premium.
Plan N
Plan N typically has a lower premium than Plan G, in exchange for small copays — up to about $20 for some office visits and up to $50 for emergency-room visits — and it doesn't cover Part B 'excess charges' (extra fees some providers can bill). For people who don't visit the doctor constantly, the premium savings can outweigh the copays.
How to choose
- Choose Plan G if you want maximum predictability and few or no copays, and don't mind a higher premium.
- Choose Plan N if you want a lower premium and are comfortable with small copays and confirming providers don't charge excess fees.
- Compare the annual total: Plan N premium savings vs. expected copays for how often you see doctors.
Frequently asked questions
Neither is universally better. Plan G offers the most complete coverage with a higher premium; Plan N has a lower premium but small copays and doesn't cover Part B excess charges. The best choice depends on your budget and how often you use care.
Some providers can charge up to 15% above the Medicare-approved amount ('excess charges'). Plan G covers these; Plan N does not. In some states excess charges are prohibited entirely.
You can apply anytime, but outside your initial Medigap open enrollment, insurers can use medical underwriting — which may affect approval or price. An agent can explain your state's rules.
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