Medicare Supplement plans, also called Medigap, help pay costs that Original Medicare leaves behind. Plans are labeled with letters, and in most states a plan with a given letter has the same benefits from every insurer. Plan G and Plan N are two of the most common choices.
What they have in common
Both cover the Part A hospital deductible, Part A coinsurance, skilled nursing coinsurance, Part B coinsurance (with copays on Plan N), and foreign travel emergency care up to plan limits. Neither covers the annual Part B deductible, and neither includes prescription drug coverage.
Where they differ
| Plan G | Plan N | |
|---|---|---|
| Office visit copays | None | Up to $20 for some office visits |
| Emergency room copays | None | Up to $50 if not admitted |
| Part B excess charges | Covered | Not covered |
| Premium | Higher | Usually lower |
Who tends to pick Plan G
People who want predictable costs and see doctors often, or who may see providers that do not accept Medicare assignment.
Who tends to pick Plan N
People who visit the doctor less often and are comfortable with small copays in exchange for a lower premium.
Timing matters
Your Medigap open enrollment period lasts six months, starting the month you are 65 or older and enrolled in Part B. During it, insurers generally cannot deny coverage or charge more because of your health.
The Top 10 Experts is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability and benefits can vary by state.
Compare Medigap prices in your area.
Compare plansThis guide is general information, not financial, legal, tax or insurance advice. Terms vary by provider and state.