- If you are on a Medicare Supplement Plan G you have one of the best plans from a coverage perspective. The Medicare Supplement Plan G pays 100% of what Medicare does not pay for, for covered Medicare items, except for the Part B deductible $282.90. (2026)
- We will be glad to provide quotes from other carriers as you wish to review alternate plans.
- Below is a comparison of Medicare Supplement Plan G and N. Plan N can be a good alternative for a person that wants to keep a Medicare Supplement and lower their cost.
| Feature | Plan G | Plan N |
| Monthly premium | Higher | Lower |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered except some copays |
| Part A deductible | Covered | Covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Excess charges (Part B) | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay | None | Up to $50 (if not admitted) |
| Medicare Part B deductible | Not covered | Not covered |
Please note: Depending on your existing carrier you may be required to answer medical questions if you wish to change carriers.
Biggest Differences
1. Plan G is more predictable
With Medicare Supplement Plan G, after you pay the annual Medicare Part B deductible, you typically owe little or nothing for Medicare-approved services.
People often choose Plan G if they:
- Visit doctors frequently
- Want minimal surprise bills
- Prefer predictable healthcare spending
2. Plan N trades lower premiums for some copays
With Medicare Supplement Plan N, you usually pay:
- Up to $20 for some office visits
- Up to $50 for ER visits that don’t lead to admission
- Any Part B excess charges
This plan can save money if you:
- Rarely go to the doctor
- Are generally healthy
What are “Part B excess charges”?
Some doctors can bill up to 15% above the Medicare-approved amount if they don’t accept Medicare assignment.
- Plan G covers those charges.
- Plan N does not.
Important details:
- Many doctors never bill excess charges.
Several states prohibit them entirely.
Things that are the same
Both plans:
- Let you see any doctor nationwide who accepts Medicare
- Do not require referrals
- Working alongside Original Medicare
- Offer standardized benefits regardless of insurer
- Usually include limited foreign travel emergency coverage
Which plan tends to fit different people?
Plan G often fits:
- Frequent healthcare users
- People managing chronic conditions
- Those who want simpler billing
- People worried about excess charges
Plan N often fits:
- Healthier retirees
- People trying to reduce premiums
- Those comfortable with occasional copays
- People who rarely see specialists
- If you choose to move to plan N you would have to answer medical questions
One more important point
Benefits for a Medigap letter plan are standardized by law. That means a Plan G from one insurer has the same core coverage as a Plan G from another insurer; the main differences are:
- Premium price
- Customer service
If you have questions about your Medicare Supplement increase or if you would like to review alternate Medicare Supplement plans, please let me know: [email protected]
Or
Office: 713-322-0040
Thank you, Warren Kolb
