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 👇
✅ 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).
| Feature | Plan G | Plan 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.
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.
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:
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.
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