Plan G vs Plan N
Medigap Plan G and Medigap Plan N solve the same problem in different ways. Medigap Plan G is a standardized supplement that works with Original Medicare to cover most Part A and B cost-sharing, typically leaving the Part B deductible as your main residual cost in current designs for new beneficiaries. By contrast, Medigap Plan N usually costs less than Plan G but includes copays for certain office and ER visits and does not cover the Part B deductible or excess charges in the same way as richer letters. Below we compare them on cost, coverage, eligibility, and who each one fits best — with sources you can check.
| Factor | Plan G | Plan N |
|---|---|---|
| Typical monthly cost | Approx. $100-$250/mo depending on age, state, and tobacco status | Approx. $80-$200/mo depending on market |
| Relative cost | $$$ | $$· |
| Category | Medicare option | Medicare option |
| Is it insurance? | Yes | Yes |
| ACA-compliant major medical | No | No |
| Covers pre-existing conditions | Varies | Varies |
| Eligibility | Guaranteed issue during Medigap open enrollment in most cases. | Medigap enrollment rules apply. |
| Best for | Travelers wanting nationwide access; People who want predictable costs | Beneficiaries okay with small copays; Budget-minded Medigap shoppers |
Plan G
Medigap Plan G is a standardized supplement that works with Original Medicare to cover most Part A and B cost-sharing, typically leaving the Part B deductible as your main residual cost in current designs for new beneficiaries.
Pros
- Predictable coverage
- Nationwide Medicare access
- Standardized benefits
Cons
- Higher premium than many Advantage plans
- No extras like dental/vision built in
- Underwriting may apply outside OE
Plan N
Medigap Plan N usually costs less than Plan G but includes copays for certain office and ER visits and does not cover the Part B deductible or excess charges in the same way as richer letters.
Pros
- Lower premium than G in many markets
- Standardized benefits
- Works nationwide with Medicare
Cons
- Copays apply
- Underwriting risk later
- No drug coverage included
Frequently asked questions
- Is Plan G or Plan N cheaper?
- Plan N typically has the lower monthly cost (approx. $80-$200/mo depending on market), while Plan G runs higher (approx. $100-$250/mo depending on age, state, and tobacco status). The cheaper option is not automatically better — weigh the coverage trade-offs below.
- What is the main difference between Plan G and Plan N?
- Popular Medigap letter covering most Original Medicare cost-sharing. Lower-premium Medigap letter with modest copays for some visits.
- Can I switch between Plan G and Plan N?
- Often yes, though timing rules apply. Comprehensive insurance changes usually happen during Open Enrollment or a Special Enrollment Period, so check the enrollment window before you switch.
Sources
- Medicare.gov — the official U.S. government Medicare site · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
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