Medicare Supplement Plan N vs. Plan G: What’s the Difference and Which Is Right for You?
- Travis Tyson
- 2 days ago
- 3 min read
When it comes to bridging the gaps in Original Medicare, two of the most popular choices are Medicare Supplement Plan G vs Plan N. Both plans offer robust coverage and peace of mind, but there are key differences that can impact your costs and how you use your benefits. If you’re turning 65 or reviewing your Medicare options, this guide will help you understand the pros, cons, and ideal fit for each plan.
What Are Medicare Supplement Plans?
Medicare Supplement Insurance—also known as Medigap—helps pay for out-of-pocket costs not covered by Original Medicare (Parts A & B), such as deductibles, copayments, and coinsurance. These plans are offered by private insurance companies and are standardized, meaning Plan N from one insurer offers the same core benefits as Plan N from another.
Overview: Plan G vs. Plan N
Plan G
Covers almost all out-of-pocket costs except the Medicare Part B deductible.
No copays for office visits or emergency room visits (after Part B deductible is met).
Predictable costs, making budgeting easier.
Plan N
Covers everything Plan G does, except you may pay small copays:
Up to $20 for some office visits.
Up to $50 for emergency room visits (waived if admitted).
Does NOT cover Medicare Part B excess charges (rare, but possible depending on your provider).
Lower monthly premiums than Plan G.
Key Differences Between Medicare Supplement Plan G vs Plan N Explained
1. Premiums
Plan N: Typically has lower monthly premiums than Plan G.
Plan G: Slightly higher premiums, but fewer out-of-pocket costs throughout the year.
2. Copays
Plan N:
$20 copay for certain office visits (primary care or specialist).
$50 copay for emergency room visits (waived if admitted as inpatient).
Plan G:
No copays for covered services after the Part B deductible is met.
3. Part B Excess Charges
Plan N: Does not pay for excess charges if your provider charges more than the Medicare-approved amount. (Most doctors accept Medicare assignment, so this is rarely an issue.)
Plan G: Covers all Part B excess charges.
4. Coverage Similarities
Both Plan N and Plan G cover:
Medicare Part A coinsurance and hospital costs
Part B coinsurance or copayment (except Plan N’s specific copays)
First three pints of blood
Part A hospice care coinsurance or copayment
Skilled nursing facility care coinsurance
Part A deductible
Foreign travel emergency coverage (up to plan limits)
Neither plan covers:
Medicare Part B deductible (as of 2020, no new Medigap plans cover this)
Prescription drugs (you’ll need a separate Part D plan)
Long-term care, dental, vision, or hearing (separate coverage available)
Who Should Consider Plan G?
You want maximum coverage and predictability.
You visit specialists frequently and want to avoid copays.
You’re concerned about Part B excess charges.
You’re willing to pay a slightly higher monthly premium for peace of mind.
Who Should Consider Plan N?
You prefer a lower monthly premium and don’t mind occasional copays.
You visit doctors infrequently or mostly see providers who accept Medicare assignment.
You want solid coverage for hospital and major medical expenses, but are comfortable with some cost-sharing.
How to Decide: Plan N vs. Plan G
Compare Premiums: Ask for quotes in your area for both plans. The difference can vary widely by state and provider.
Estimate Usage: Consider your typical healthcare usage. If you see the doctor often, Plan G may save you money overall.
Check Providers: If your doctors accept Medicare assignment, excess charges may not be a concern.
Work with an Expert: A licensed agent can help you compare real quotes and explain how each plan would work with your specific needs.
Frequently Asked Questions
Q: Can I switch from Plan N to Plan G later?
A: Yes, but you may need to answer health questions or undergo underwriting, depending on your state and timing.
Q: Are prescription drugs covered by Plan N or G?
A: No, you’ll need a separate Medicare Part D plan for prescription coverage.
Q: What are Part B excess charges, and should I worry about them?
A: These are extra fees some doctors may charge above the Medicare-approved amount. Most providers in Florida and other states accept Medicare assignment, so excess charges are rare.
Bottom Line
Both Medicare Supplement Plan N and Plan G offer excellent protection against high medical bills. The best choice depends on your budget, preferences, and how you use healthcare. At E-Advise Insurance, we provide unbiased, personal advice and real quotes—so you can feel confident in your Medicare decision.
Want to compare Plan N and Plan G quotes?
Request a quote or call 855-855-8301 to speak with a licensed agent today.
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