Medigap comparison
Plan G vs. Plan N: compare the tradeoffs, not just the premium
Plan G and Plan N are standardized Medicare Supplement options. The benefits for each letter are standardized, but premiums, discounts, underwriting, and rate history vary by insurance company.
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What both plans have in common
Both work with Original Medicare and generally allow access to providers nationwide who accept Medicare. Neither includes outpatient prescription drug coverage, so a separate Part D plan is usually considered.
- Original Medicare remains primary
- Standardized benefits by plan letter
- No built-in outpatient drug coverage
- Separate monthly premium
Where Plan N asks you to share more
Plan N may have a lower premium but can require certain office-visit and emergency-room copays. It also does not cover Part B excess charges. Plan G generally covers the other standardized gaps described above, but it does not pay the Medicare Part B deductible.
- Compare premium savings
- Estimate office and emergency visits
- Understand Part B excess charges
- Check state and provider billing rules
Look beyond today's rate
A low introductory premium can change. Ask about attained-age, issue-age, or community rating where applicable; household discounts; rate history; and how the company handles future increases. No agent can guarantee future premiums.
- Current premium
- Household discount rules
- Rate-change history
- Financial strength and service
Enrollment rights can decide the timing
Your federal Medigap Open Enrollment Period and other guaranteed-issue rights may let you buy without medical underwriting. Outside those rights, a carrier may ask health questions and decline the application.
Related help
Frequently asked questions
Select a question to see the answer.
Is Plan G always better than Plan N?
No. Plan G usually offers broader standardized cost-sharing coverage, while Plan N may trade some cost sharing for a lower premium.
Can companies change the benefits?
The basic benefits are standardized by plan letter, but premiums and company practices vary.
Do these plans cover prescriptions?
No. A separate Part D plan is usually needed for outpatient prescriptions.
Your next step
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