Plan N covers nearly everything Plan G does, for a lower monthly premium — in exchange for small, predictable copays. Whether that trade makes sense depends on how often you see the doctor.
This guide breaks down what Plan N covers, what it doesn't, how it compares to Plan G, and includes a free calculator to find your personal break-even point.
Quick Answer
Plan N covers everything Original Medicare's Part A and Part B leave behind, except for the annual Part B deductible, Part B excess charges, and small copays for some office and ER visits. That includes 100% of Part A hospital costs, hospice and skilled nursing coinsurance, blood, and foreign travel emergency coverage.
In exchange for those small out-of-pocket exceptions, Plan N typically costs $20–$50 less per month than Plan G for the same carrier — which is why it's the third most popular Medigap plan nationally.
Plan G isn't automatically the smarter choice. For many healthy retirees, Plan N's small copays add up to far less over a year than Plan G's higher premium — the real question is whether that trade fits how often you actually see a doctor.
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Coverage Breakdown
If you're in Pennsylvania, the excess charge gap doesn't apply to you. Pennsylvania is one of eight states that prohibits Part B excess charges entirely — so the main coverage difference between Plan N and Plan G shrinks down to the copays and the Part B deductible.
Side by Side
| Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital costs | Covered | Covered |
| Part B coinsurance | Covered | Covered, with copays |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | $0 | Up to $20 |
| ER visit copay (not admitted) | $0 | Up to $50 |
| Typical monthly premium | Higher | Typically $20–$50 lower |
Benefits shown are standardized nationally for each plan letter. Premiums vary by carrier, age, gender, location, and tobacco status.
Do the Math
Plan N only saves you money if your copays stay below what you'd save on premium. Enter your numbers to see where you land.
$0
Enter your numbers above to see your estimated annual savings with Plan N.
This is a simplified estimate using a $20 per-visit copay and doesn't include ER copays, excess charges, or your specific quoted premiums. It's a starting point for the conversation, not a quote — we'll run your real numbers together.
Is Plan N Right for You?
Why It Works
The benefits are standardized, but the premiums, discounts, and carrier reputation aren't. Getting an apples-to-apples comparison usually takes more than one website.
We're licensed Medicare agents based in Bethlehem, PA. Our help costs you nothing — insurance companies pay us, never you.
We pull actual quotes from multiple carriers so you can see real numbers, not national averages.
We'll run your specific visit history and quoted premiums to show which plan actually costs less for you.
Client Reviews
Real clients have shared what it was like to compare their options with our help.
“I contacted Dave Scallion about applying for Medicare after being referred to him by a friend. That turned out to be an excellent referral. Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions and even assisted with some of the application process.”
Robert Haffner Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google review“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare. David is professional in every aspect of customer service and is always ready to answer questions and clarify information.”
Bob Bromiley Google reviewCommon Questions
We'll pull actual Plan N and Plan G quotes for your ZIP code, run your break-even math, and help you apply for whichever plan actually fits your situation — with no pressure and no obligation.
No pressure. No call-center runaround. Just clear help comparing Medigap plans from Lehigh Partners Senior Benefits.
Lehigh Partners Senior Benefits is an independent, licensed insurance agency. Plan availability, benefits, premiums, underwriting, and enrollment rules vary by carrier, state, and individual circumstances. This page is educational and does not guarantee acceptance, savings, or pricing. Calling the number on this page will connect you with a licensed insurance agent. Lehigh Partners Senior Benefits is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every Medigap plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all available options.
