Medicare Supplement Plan G vs Plan N – Compare Benefits & Costs
Medicare Supplement Plan G vs Plan N
Explore the key differences between Plan G and Plan N to choose the right Medicare Supplement coverage for you.
What is Medicare Supplement Insurance?
Medicare Supplement plans, also called Medigap, help cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Plan G vs. Plan N: Which is Better?
The choice between Plan G and Plan N usually comes down to your preference for premiums versus copays.
| Feature | Medigap Plan G | Medigap Plan N |
|---|---|---|
| Office Visit Copays | $0 | Up to $20 |
| Part B Excess Charges | 100% Covered | Not Covered |
| Monthly Premium | Higher | Lower |
Pros and Cons
Plan G
- ✅ Comprehensive coverage for most out-of-pocket costs
- ✅ No copays for doctor visits or ER visits
- ❌ Higher monthly premiums than Plan N
Plan N
- ✅ Lower monthly premiums than Plan G
- ✅ Covers most major costs
- ❌ Small copays required for certain visits
Frequently Asked Questions (FAQ)
Can I switch between Plan G and Plan N?
Yes, you can switch during open enrollment or under guaranteed issue rights without medical underwriting.
Does Plan N cover all hospital costs?
Yes, Plan N covers hospital costs, including coinsurance and Part A deductible, but some outpatient copays may apply.
Which plan is better for frequent doctor visits?
Plan G is generally better for those with frequent doctor visits as it has no copays for Part B services.
Get Help Comparing Plans in your area
Our licensed Medicare specialists can help you determine whether Plan G or Plan N fits your needs and budget.