Medigap Plan G vs. Plan N: Which Should You Choose?
Plan G and Plan N are the two most popular Medigap plans for new enrollees. Plan G covers almost all of the gaps in Original Medicare except the Part B deductible, so after that deductible you typically pay nothing for covered services. Plan N usually has a lower monthly premium, but you pay small copays (up to $20 for some office visits and up to $50 for emergency-room visits) and it does not cover Part B "excess charges." Plan G suits people who want maximum predictability; Plan N suits people who want a lower premium and rarely face excess charges.
Plan G vs. Plan N at a glance
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium | Higher | Lower |
| Part B deductible | You pay it | You pay it |
| Office/ER copays | None | Up to $20 / $50 |
| Part B excess charges | Covered | Not covered |
| Best for | Predictable, no surprises | Lower premium, occasional copays |
What are Part B excess charges?
Some providers do not accept Medicare’s approved amount as full payment and can bill up to 15% more — an "excess charge." Plan G covers these; Plan N does not. Excess charges are banned in several states, which can make Plan N more attractive there.
Frequently asked questions
Is Plan G or Plan N cheaper overall?
It depends on how often you use care. Plan N has a lower premium but adds copays and possible excess charges. If you see doctors frequently or live where excess charges are allowed, Plan G can cost less overall despite the higher premium.
Why not Plan F?
Plan F covered even the Part B deductible, but it is no longer available to people who became eligible for Medicare on or after January 1, 2020. Plan G is the closest equivalent for new enrollees.
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Medicare Login Guide is an independent resource and is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, or any government agency. This article is for general information only — confirm current figures and your specific options at medicare.gov or by calling 1-800-MEDICARE.