Choosing between Medicare Supplement (Medigap) plans N and G is key. Your decision affects how much you pay for healthcare. But, how do you know which one is best for you?

Would you rather pay less each month but get less coverage? Or value having more coverage with higher premiums? Exploring the differences between Plan N and Plan G can help. Let’s see which one could suit your needs better.

Understanding Medicare Supplement Plans

Getting to know about healthcare as you retire is key. Medicare Supplement (Medigap) plans help fill the gaps in Medicare coverage. They work with Medicare Parts A and B to boost your healthcare benefits and lower costs.

What are Medicare Supplement Plans?

Medicare Supplement plans offer extra coverage on top of what Original Medicare covers. They help pay for things like deductibles and copayments. With a Medigap plan, you get more complete coverage and save money.

The Standardization of Medigap Plans

Medicare Supplement plans are “standardized.” This means the benefits are the same with any insurance company. These rules by Social Security make sure the plans stay fair. Also, you can keep your plan as long as you pay your premiums.

Key Differences Between Plan N and Plan G

The main differences between Medigap Plan G and Plan N are about certain costs. These include Medicare Part B excess charges and copayments for visits. Plan G takes care of the Part B excess charges, but Plan N doesn’t.

Coverage for Part B Excess Charges

Plan G helps you avoid extra charges from healthcare providers. If they go above Medicare’s amount, you’re safe. This way, you won’t have surprise bills.

Copayments for Office Visits and Emergency Room Visits

With Plan N, you pay for some of your visits. It’s up to $20 for office visits and up to $50 for ER visits. But, if you go with Plan G, you’re covered for these expenses.

Medicare Supplement Plan N vs Plan G

Medigap Plan G and Plan N both cover many Medicare benefits. But they have some important differences. Plan G helps with Part B excess charges. Yet, Plan N does not do this. Plan N makes you pay a bit at the doctor’s or for ER visits. Plan G does not ask for these copays. The choice between the two depends on how much you might see a doctor and how much you want to pay every month.

Medicare Supplement Plan G usually costs more than Plan N. But the prices can change based on where you live and who your insurance is with. In North Carolina, for instance, a 65-year-old who doesn’t smoke could pay $96 for Plan G but Plan N would be $24 less. This is because Plan N is cheaper up front but asks you to pay some of the doctor or ER visit costs. If you see the doctor a lot, Plan G could save you money in the end. Think about your health needs and the costs of the plans to pick the best one.

Deciding between Medigap Plan N and Medigap Plan G is about your health needs and budget. If you don’t visit the doctor or ER much, Plan N’s lower costs might be for you. But, if you often need medical care, Plan G could be better. This is because it offers more help and might cost less over time. Look at how often you use medical services and the plan prices. This will help you make the right choice for you.

Cost Comparison: Plan N vs Plan G

Thinking about Medicare Supplement Plan N versus Plan G, costs are a big deal. Generally, Plan G’s costs are higher than Plan N. Yet, this gap can change based on where you live and your insurer.

Premiums for Plan N and Plan G

For instance, in North Carolina, if you’re 65 and don’t smoke, Plan G could cost you around $96. Plan N, on the other hand, might cost about $72. Plan N is cheaper because it asks for copays on office and ER visits. But, if you go to the doctor a lot, Plan N might end up costing you more.

Potential Out-of-Pocket Costs

The monthly difference in premiums for Plan G and Plan N is $24. If you don’t visit the doctor or ER often, Plan N could save you about $170 a year over Plan G. However, if you see the doctor a lot, the costs for each visit could add up. So, it’s important to look at how often you’ll need healthcare to make the best choice.

Choosing the Right Plan for Your Needs

When choosing between medicare supplement plan N and plan G, think about your health needs. Consider if you want lower premiums or steady out-of-pocket costs.

Consider Your Healthcare Utilization

If you rarely go to the doctor or the ER, plan N’s lower premiums might be good for you. But, if you visit often, choose plan G for its more predictable costs. You should look at how much you’ll save and your health needs. This will help you pick the right plan for you.

Prioritize Predictable Costs or Lower Premiums

Plan N has lower costs than Plan G but covers less. For a 65-year-old nonsmoker in North Carolina, Plan G’s lowest premium is $96. Plan N’s lowest premium is $72. This $24 difference each month could cover one office visit copay or every other month’s emergency visit. If you don’t visit the doctor much, Plan N could save you money, but with visits, Plan G’s steady costs might work better for you.

Additional Factors to Consider to Fill the Gaps in your Medicare Plan

When looking at Medicare Supplement (Medigap) plans, think about more than just what they cover and cost. The six months after you get Medicare Part B and you’re 65 or older is key. During these first six months, you have a special right. Insurance companies can’t charge more or turn you down because of health or medical issues.

Your Medigap Open Enrollment Period

Finding the right Medigap plan and provider can save you money. It’s important to shop around during your enrollment period. This is when prices are often the best and you’re less likely to face high premiums or be denied coverage based on your health.

Carrier Comparison and Discounts

Shopping around for Medigap plans and providers is wise. This can lead to finding better rates and discounts. When looking at different insurance companies, you might come across money-saving opportunities like special deals and discounts.

Navigating the Enrollment Process of Medicare Supplement Insurance

Signing up for a Medicare Supplement (Medigap) plan is important. The best time is in your six-month Medigap open enrollment period. This period starts when you get Medicare Part B and are 65 or older. You can choose any Medigap plan in your state during this time. Plus, insurance companies must cover you and can’t charge more because of your health.

When to Enroll in a Medigap Plan

If you don’t sign up during your open enrollment, you might have trouble later. You could pay more or not get approved for a plan. This is because companies can look at your health to decide.

Resources for Choosing a Plan

There’s help available to pick the right Medigap plan. Websites like, 1-800-MEDICARE, and insurance agents are there for you. They’ll explain plans like N and G, and which one works best for you.


When we look at Plan N and Plan G, they differ in some big ways. Plan G covers more but costs more too. On the other hand, Plan N usually has cheaper prices.

Choosing the right one for you means thinking about how often you’ll need health services. It’s also about what you care about more: saving money now or knowing exactly what you’ll pay later.

Your choice is also affected by when you start looking into Medigap and who you look at for insurance. Think about what’s important to you and what you can afford. This will help pick the best plan, whether Plan N or Plan G.

Finally, deciding on Plan N or Plan G is about balancing costs and what you want to get covered. It’s about knowing the important differences and looking at what you need in the future. With this in mind, you can choose a plan that’s good for you in both price and coverage.

Frequently Asked Questions

What is the key difference between Medigap Plan G and Plan N?

Medigap Plan G and Plan N have different coverage. G covers excess charges for Part B while N does not. Plan N needs you to pay for some visits. This can be up to $20 for offices and up to $50 for ER visits. These fees do not apply if you are admitted to the hospital. Plan G covers all Part B coinsurance without requiring extra payment.

Does Medigap Plan G or Plan N have higher premiums?

Usually, Medigap Plan G has higher premiums than Plan N. But, the cost difference depends on where you live and your insurance company. The copays for visits in Plan N make it seem cheaper.

When is the best time to enroll in a Medigap plan?

The best time is during your six-month open enrollment. It begins the first month you’re 65 with Medicare Part B. Insurance can’t charge you more or say no because of health reasons in this period.

How can I compare Medigap plans and insurance carriers?

To compare, look at different plans and companies. This helps find better prices or discounts that reduce your costs. Use resources like, 1-800-MEDICARE, and talk to licensed insurance agents. They can help you choose the best plan for you.

Does Plan N or Plan G cover the Part B deductible?

No, neither Medigap Plan N nor Plan G covers the Medicare Part B deductible. Only Medigap Plan F covers this deductible, but it is no longer available to new enrollees as of 2020.

Have Questions?

We can Help!

Talk to one of our licensed Medicare supplement agents about the options available to you in your area.  


Mon – Fri 8:00 am – 6:00 pm
Sat available upon request