Medigap Plan G vs. Plan N
Plan G and Plan N are two of the most commonly chosen Medigap plans. Plan G covers more of Original Medicare's cost-sharing, while Plan N has a lower premium but requires small copays and doesn't cover the Part B excess charge.
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Medigap Plan N
Covers most of Original Medicare's cost-sharing but requires small copays for office and emergency room visits, and doesn't cover the Part B excess charge some providers may bill.
- Generally lower monthly premium than Plan G
- Still covers the large majority of Original Medicare's out-of-pocket costs
- Requires small copays for office and some emergency room visits
- Doesn't cover Part B excess charges, which can apply with certain providers
Medigap Plan G
Covers nearly all of Original Medicare's cost-sharing, including the Part B excess charge, aside from the annual Part B deductible.
- Covers Part B excess charges that Plan N does not
- No per-visit copays for office or emergency room visits
- Generally higher monthly premium than Plan N
- Still requires paying the annual Part B deductible before coverage applies
Which one makes sense for you?
Plan G offers slightly broader coverage, including protection against Part B excess charges, at a higher monthly premium. Plan N can offer meaningful monthly savings in exchange for small per-visit copays and the (typically less common) risk of an excess charge, which makes it worth checking whether providers in your area tend to bill those charges.
Key cost factors.
- Whether providers in your area commonly charge Part B excess charges
- Comfort with occasional small copays in exchange for a lower monthly premium
- How frequently you expect office or emergency room visits
- Overall monthly budget for supplemental premium versus per-visit costs
Before you decide.
- Do providers I'd likely use ever charge Part B excess charges?
- How many office or ER visits do I realistically expect in a typical year?
- What's the actual premium difference between Plan G and Plan N in my area?
Frequently asked questions.
What is a Part B excess charge?
It's an additional amount some providers who don't accept Medicare's approved payment amount as full payment are permitted to charge, up to a set limit above the Medicare-approved amount — Plan G covers this charge, while Plan N does not.
All figures on this page are illustrative examples for general education, not quotes, appraisals, or guarantees of actual pricing. Actual costs vary by provider, location, project scope, and market conditions — always get a specific quote before making a purchasing decision.
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