Choosing between Medicare Supplement Plan G and Plan N is one of the most important — and most confusing — decisions Medicare enrollees face. Both plans are excellent. Both cover the scary 20% gap that Original Medicare leaves behind. But choose the wrong one, and you could pay hundreds more than you need to. Here’s an honest, side-by-side comparison.
- Plan G covers nearly everything — except the Part B deductible ($257 in 2025)
- Plan N has lower premiums but adds copays of up to $20/visit and $50 for ER
- Average Plan G premium: $120–$200/month. Plan N: $80–$150/month
- Plan N suits healthy seniors who rarely visit the doctor
- Plan G suits those managing chronic conditions or expecting frequent care
What Is a Medigap Supplement Plan?
Medigap (Medicare Supplement) plans are sold by private insurance companies to cover the “gaps” Original Medicare leaves — the deductibles, coinsurances, and copays. Plan G and Plan N are the two most popular Medigap plans available to new Medicare enrollees since Plan F was phased out in 2020.
Plan G vs Plan N: Side-by-Side Coverage Comparison
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A coinsurance & hospital costs | ✅ Covered | ✅ Covered |
| Part B coinsurance (20%) | ✅ Covered | ✅ Covered (with copays) |
| Part B deductible ($257) | ❌ Not covered | ❌ Not covered |
| Part B excess charges | ✅ Covered | ❌ Not covered |
| Doctor office copay | $0 | Up to $20 |
| ER visit copay | $0 | $50 (waived if admitted) |
| Foreign travel emergency | ✅ 80% (after deductible) | ✅ 80% (after deductible) |
| Typical monthly premium | $120–$200 | $80–$150 |
When Plan G Makes More Sense
Plan G is the right choice if:
- You have regular doctor visits (2+ per month) — those $20 copays add up fast under Plan N
- You want zero surprise bills — Plan G’s only out-of-pocket cost is the $257 Part B deductible once per year
- You use doctors who charge Part B excess charges — Plan G covers these, Plan N does not
- You have a chronic condition or anticipate major healthcare needs
When Plan N Makes More Sense
Plan N is the better value if:
- You’re relatively healthy and rarely need doctor visits beyond preventive care
- You want lower monthly premiums and are comfortable with small copays
- You primarily use doctors who accept Medicare assignment (no excess charges)
- You’re budget-conscious and want to keep fixed monthly costs down
How to Compare Real Premiums in Your Area
Medigap premiums vary significantly by insurance company, your age, your state, and your gender. The coverage is standardized (Plan G from Company A is identical to Plan G from Company B), so always shop by price. Use Medicare.gov’s Medigap plan finder tool or call 1-800-MEDICARE for quotes.
Frequently Asked Questions
Is Plan G or Plan N better in 2025?
Plan G offers more complete coverage with no office visit copays. Plan N costs less per month but adds small copays. Plan G is usually better for people with regular healthcare needs; Plan N for the relatively healthy.
Can I switch from Plan N to Plan G later?
Yes, but you’ll likely need to pass medical underwriting unless you’re in a guaranteed-issue situation. It’s easier to start with the more comprehensive plan.
Do Medigap plans cover prescription drugs?
No. Medigap plans do not include Part D drug coverage. You’ll need to purchase a separate Part D plan or enroll in Medicare Advantage.
Bottom Line
Both Plan G and Plan N are excellent choices. The decision comes down to how often you use healthcare and whether peace of mind is worth a slightly higher monthly premium. Compare prices in your area, confirm your doctors accept Medicare assignment, and choose the plan that fits your health and budget.
