• Home
  • /
  • Blog
  • /
  • Medicare Minute: Plan G vs. Plan N – Which One Is Right for You?
April 1, 2025
Medicare Minute: Plan G vs. Plan N – Which One Is Right for You?

Plan G vs Plan N is one of the most common comparisons people make when reviewing Medicare Supplement coverage.

If you're turning 65 or reviewing your Medicare options, chances are you’ve heard of Plan G and Plan N. These are two of the most popular Medicare Supplement (Medigap) plans—and they both offer great coverage.

But which one makes the most sense for you?

Let’s break it down simply 👇

🛡️ What Both Plans Cover

✅ 100% of your Medicare Part A coinsurance
✅ Skilled nursing facility care
✅ Hospice care
✅ Foreign travel emergency care
✅ And more…

Neither plan covers the Medicare Part B deductible (that’s $257 in 2025).

🔍 What’s the Difference?

FeaturePlan GPlan N
Covers Part B Excess Charges✅ Yes❌ No
Doctor Visit Copays❌ No copay (covered)✅ Up to $20
ER Visit Copay (not admitted)❌ No copay (covered)✅ Up to $50
Lower Monthly Premium❌ Typically higher✅ Typically lower

Plan G gives you more coverage with fewer surprises.
Plan N gives you lower premiums, but you may pay small copays when you use it.

💡 Quick Tip

If you visit the doctor often or want to avoid any unexpected costs, Plan G might be your best bet.

If you're healthy and don’t mind the occasional copay, Plan N could save you money every month.

🎯 What Should You Do Next?

The right plan depends on your health, budget, and priorities—and the rates vary by ZIP code and insurance company, even though the coverage is the same.

📝 Want help comparing Plan G and N in your area?
Click below to schedule a free 10-minute consultation or take our quick Medicare quiz:

👉 [Take the Quiz] or [Book a Free Consultation]

“Promotional image showing a clipboard with a checklist and the message: Free 10-Minute Medicare Review – Book Yours Today. Ideal for seniors comparing Medicare options.”

💬 Final Thought

Most people don’t realize how similar these plans are—but the small differences can add up over time. That’s why a quick review could save you hundreds a year.

We're here to help you make the smart choice for your health and wallet.

Lehigh Partners Senior Benefits – Trusted Medicare Help in Pennsylvania and beyond.

Disclaimer: Medicare coverage and plan information is based on publicly available data from Medicare.gov. For the most accurate and up-to-date information, please visit the official Medicare website.

Faq

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

Plan G offers broader coverage—it pays for nearly all out-of-pocket Medicare costs except the Part B deductible. Plan N offers slightly less coverage and includes small copays for doctor and ER visits. Plan N also doesn’t cover Part B excess charges, which some doctors may bill.

What are the disadvantages of Plan N?

While Plan N has lower monthly premiums, it includes:

  • Copays up to $20 for doctor visits

  • $50 copay for ER visits (if not admitted)

  • No coverage for Part B excess charges This can result in more out-of-pocket costs for people who use healthcare services more frequently.

What is the disadvantage of Plan G?

The main downside to Plan G is its higher monthly premium compared to Plan N. However, many people are willing to pay more monthly for predictable costs and nearly full coverage..

What does Plan G not cover?

Plan G does not cover:

  • The Medicare Part B annual deductible ( $257 in 2025)

  • Prescription drugs (you need a separate Part D plan)

  • Dental, vision, or hearing (though you can add supplemental policies)

Get Help

Compare Medicare coverage options with the help of one of our agents:

Talk to us: (833) 265-9655 

Medicare brokers such as Lehigh Partners get paid by the insurance companies they represent. And you pay exactly the same rate for your insurance if you use a Medicare consultant (broker). There is no extra fee or cost for enrolling through a broker. You will never pay a fee for our help.


Find a Plan

Shop for coverage online. Safe, Secure, & Confidential

Call us

Call Lehigh Partners at 1-833-265-9655

Licensed insurance agents are available to help you through enrollment and beyond.

Need Help?

Get in touch with a licensed sales agent now by filling out the form - no obligations!

Medicare Checklist

Get Our FREE Medicare Checklist.

Download our complimentary Medicare checklist and conveniently access all the necessary information in one place, ensuring you never miss a crucial number, deadline, or date again.

Tags

Medicare Minute


Medicare Supplement

Secure My Medicare Coverage: Book My Appointment Today!Let our experts find your ideal Medicare plan for

Medicare Supplement

Secure My Medicare Supplement Coverage: Book My Appointment Today!Let our experts find your ideal Medicare supplement

Medicare Supplement

Discover peace of mind without breaking the bank - explore the most affordable Medicare supplement plan

Medicare Supplement

Medicare Supplement Plan G Insurance CoverageMedicare Supplement Plan G is one of the most sought-after Medicare

Medicare Supplement

Understanding Medicare Supplement Plan G: Coverage, Benefits, and CostsIntroduction to Medicare Supplement Plan GWhen it comes

General Medicare information, Medicare Advantage, Medicare Supplement

Are you ready to navigate the maze of Medicare options but unsure about whether a Medicare

Ready to talk to an agent about your Medicare coverage?

>