Plan G vs Plan N: Which Should You Choose?

Why Are Plan G and Plan N So Popular?

Plan G and Plan N are two of the most popular Medicare Supplement (Medigap) plans for people turning 65. Both work with Original Medicare and give you access to:

• Any doctor or hospital nationwide that accepts Medicare
• No networks, no referrals required

They’re popular because they:

• Offer excellent coverage
• Provide predictable costs
• Allow you to travel or live seasonally without coverage issues
• Protect you from large medical bills

But while they’re similar, there are key differences to consider.

Plan G: The Most Comprehensive Option

Plan G is the most comprehensive Medicare Supplement plan available to new enrollees in 2025.

Here’s how it works:

• You pay the Part B deductible ($283 in 2026).
• After that, Plan G covers 100% of Medicare-approved costs—no copayments, no coinsurance.

In short: predictable costs and no surprises.

Plan N: A Budget-Friendly Alternative

Plan N is very similar to Plan G but comes with a few small trade-offs in exchange for a lower monthly premium.

With Plan N, you still pay the Part B deductible ($283 in 2026). In addition:

• Up to $20 copay for office visits
• Up to $50 copay for emergency room visits (waived if admitted)
• Responsibility for Part B excess charges (rare, but possible unless you live in a state where they are banned)

Real-Life Cost Comparison: Plan G vs Plan N

Let’s say you’re 65, in good health, and live in Texas:

• Plan G premium: $165/month
• Plan N premium: $130/month

That’s a savings of $420/year with Plan N.

Now, factor in some doctor visits:

• 6 office visits at $20 each = $120
• 1 emergency room visit at $50 = $50
• Total copays for the year = $170

Even after these copays, you’re still saving around $250/year with Plan N.

Who Should Consider Plan G?

Plan G is ideal if you:

• Want no copayments or surprise bills
• Visit doctors frequently
• Prefer predictable costs
• Don’t mind paying a slightly higher monthly premium for peace of mind

Who Should Consider Plan N?

Plan N is a great choice if you:

• Are healthy and rarely visit the doctor
• Don’t mind small copayments for occasional visits
• Want to save on monthly premiums
• Live in a state where Part B excess charges are banned (like New York, Pennsylvania, or Connecticut)

What About Travel Coverage?

Both Plan G and Plan N include the same foreign travel emergency benefit:

• Up to $50,000 for emergencies
• 80% coverage for eligible expenses

So no matter which plan you choose, you’ll have protection while traveling abroad.

Final Thoughts: Plan G vs Plan N

Both plans provide excellent coverage and nationwide access to doctors. The choice often comes down to:

• Your health
• Your budget
• Your comfort level with occasional copays

If you want comprehensive, predictable coverage with no surprises, Plan G is a solid choice. If you’re healthy and prefer a lower premium, Plan N may save you money.

Need Help Deciding?

We help people every day compare Plan G vs Plan N and find the right fit for their needs. Call us today at 800-208-4974 book a free consultation.

We’ll walk you through your options and help you lock in the best rate for your zip code.