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).
| Benefit / Feature | Plan G | Plan N |
|---|---|---|
| Monthly Premium | Higher | Lower |
| Part A Hospital Costs | Covered 100% | Covered 100% |
| Doctor Visit Copays | $0 | Up to $20 |
| ER Visit Copays | $0 | Up to $50 |
| Part B Excess Charges | Covered | Not Covered |
| Referrals Required | No | No |
| Network Restrictions | None (Any Medicare Provider) | None (Any Medicare Provider) |
📌 This table compares the most common Medicare Supplement benefits as of 2025. Always check rates and benefits for your ZIP code.
- 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:
💬 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
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.
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.
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..
