Medicare Supplement Plan G vs. Plan N: What’s the Difference and Which Is Right for You?

If you're approaching Medicare eligibility or looking to change your current Medicare Supplement plan, you've probably come across Plan G and Plan N. These two Medigap options are among the most popular choices for covering the gaps in Original Medicare. While they both offer comprehensive coverage, there are a few key differences that can help determine which plan makes the most sense for your needs and budget.

Let’s take a closer look at Plan G and Plan N to help you make an informed decision.

What Do Plan G and Plan N Have in Common?

Both Plan G and Plan N are Medicare Supplement plans that help cover out-of-pocket costs not paid by Original Medicare (Part A and Part B). This includes things like:

• Part A coinsurance and hospital costs

• Part B coinsurance or copayments

• Blood (first 3 pints)

• Part A hospice care coinsurance or copayments

• Skilled nursing facility care coinsurance

• Medicare Part A deductible

• Emergency medical care while traveling internationally

Importantly, neither Plan G nor Plan N covers the Medicare Part B deductible, which is $257 in 2025.

Key Differences Between Plan G and Plan N

Feature Plan G Plan N Part B Coinsurance 100% covered You pay up to $20 for some office visits and up to $50 for ER visits (waived if admitted) Excess Charges Covered Not covered Monthly Premium Higher Lower Out-of-Pocket Costs Predictable, low Lower premium, but some copays and potential for excess charges

Understanding Excess Charges

Excess charges occur when a provider doesn’t accept Medicare’s approved payment amount and charges up to 15% more. Plan G will pay for these, but Plan N does not. However, it’s important to note that excess charges are relatively rare—especially if you stick with doctors who accept Medicare assignment.

Who Should Consider Plan G?

Plan G is ideal for those who:

• Want comprehensive coverage with very few out-of-pocket surprises

• Prefer to see any Medicare provider nationwide, including specialists, without worrying about referrals or cost-sharing

• Are willing to pay a slightly higher monthly premium in exchange for predictability

This plan is particularly well-suited for those with ongoing medical needs or who value peace of mind.

Who Should Consider Plan N?

Plan N may be a better fit for:

• Individuals in good health who don’t visit the doctor often

• Those looking to save money on monthly premiums

• People who are comfortable with occasional copays and are likely to use providers who accept Medicare assignment

If you don’t expect frequent doctor or emergency room visits and don’t mind some minor out-of-pocket expenses, Plan N can offer great value.

Plan G vs. Plan N: Quick Summary

• Plan G = More coverage, higher premium, fewer surprises

• Plan N = Lower premium, some out-of-pocket costs, potential excess charges

Ultimately, the best choice depends on your health needs, budget, and personal preferences.

Need Help Choosing the Right Plan?

At Nexus Insurance Advisors, we specialize in helping individuals understand their Medicare options and find the right coverage based on their unique situation. Whether you're considering Plan G, Plan N, or just getting started with Medicare, we're here to help.

📞 Contact us today for a personalized consultation — and let’s make Medicare simple.

Would you like a downloadable comparison chart or a social media graphic to accompany this blog post?