Plan G or Plan N?
Compare the costs you may keep.
Both are Medicare Supplement policies used with Original Medicare. The key differences include certain visit copayments and Part B excess charges.
A little more detail
What stays the same?
Neither standard Plan G nor Plan N pays the Part B deductible. You still pay premiums for Part B and your Medigap policy. Prescription drug coverage is a separate decision.
What changes with Plan N?
Plan N can leave you with up to a $20 copayment for some office visits and up to $50 for an emergency room visit that does not result in inpatient admission. Unlike Plan G, it does not cover Part B excess charges.
How should I compare them?
Ask for quotes for both policies and compare the premium difference with costs you may pay when receiving care. Check whether your providers accept Medicare assignment. Neither plan is automatically the better choice for everyone.
What should I check before applying?
Confirm your Medigap enrollment rights. Standardization differs in Massachusetts, Minnesota, and Wisconsin. A high-deductible Plan G is a different arrangement from standard Plan G.
Keep exploring
Official sources
Sources checked September 28, 2026. General education; eligibility, policy terms, and state protections can vary.
Talk it through with a brokerGuidance at no cost to you. Insurance coverage costs may still apply.