Medigap: Plan G vs Plan N
In most states, Medigap plans with the same letter offer the same standardized benefits. Premiums vary by insurance company and other factors.
Swipe or scroll the comparison to see every column.
| Plan G | Plan N | |
|---|---|---|
| Part A coinsurance & hospital costs | Typically covered | Typically covered |
| Part B coinsurance | Typically covered | Covered after small copays on some office / ER visits |
| Part B deductible | You pay it (G does not include it) | You pay it |
| Part B excess charges | Typically covered | Usually not covered |
| Foreign travel emergency (limited) | Often included | Often included |
| Premium vs. G | Usually higher monthly | Usually lower monthly - you trade copays and excess-charge risk |
How to choose between them
- Do your doctors accept Medicare assignment? Plan N does not cover Part B excess charges. Plan G generally covers these charges, so your providers’ billing practices matter.
- How often do you go to the office or ER? Consider how often you may pay Plan N’s copays for office and emergency room visits.
- Is the premium gap bigger than the extra cost you would actually incur? Compare the premium difference with your expected copays and any exposure to excess charges.
Plans C and F are generally not available to people newly eligible for Medicare on or after January 1, 2020. Other letters (A, B, D, K, L, M) exist; availability varies by state and company.
Wisconsin, Minnesota, and Massachusetts use different standardized designs. Confirm your state.
Compare Medigap plans with Joseph Advantage vs. Medigap first
Benefits described in general terms. Read the official Outline of Coverage for any policy. Not a recommendation of any carrier.