Learn
Medigap Plan G vs Plan N
Plan G and Plan N are two of the most popular Medigap plans for people new to Medicare. Both cover the Part A deductible and hospital costs. The differences are in Part B cost sharing.
What is the same
- Part A deductible ($1,736 per benefit period in 2026) and hospital coinsurance
- Skilled nursing facility coinsurance, hospice coinsurance and blood
- 80% of foreign travel emergencies up to plan limits
- Neither covers the Part B deductible ($283 in 2026)
What is different
| Plan G | Plan N | |
|---|---|---|
| Office visit copay | None after Part B deductible | Up to $20 for some visits |
| Emergency room copay | None after Part B deductible | Up to $50 if not admitted |
| Part B excess charges | Covered | Not covered |
| Monthly premium | Usually higher | Usually lower |
What are Part B excess charges?
Doctors who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers that extra; Plan N does not. Most doctors accept assignment, and a few states do not allow excess charges, but they are worth checking.
How to decide
Add up the yearly premium difference between the two plans, then estimate how many office and ER visits you expect. If the premium savings on Plan N are larger than the copays you are likely to pay, Plan N may fit your budget. If you prefer predictable costs, Plan G may fit better. See the full Medigap plans 2026 comparison.
Plan benefits: Medicare.gov: Compare Medigap plan benefits. High-deductible amount: CMS: F, G & J deductible announcement.
Frequently asked questions
Is Plan N cheaper than Plan G?
Plan N usually has a lower monthly premium than Plan G, but you pay some copays and any Part B excess charges.
What copays does Medigap Plan N have?
Up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission.
Does Plan G cover the Part B deductible?
No. Plan G and Plan N both leave you to pay the Part B deductible, which is $283 in 2026.
Can I switch from Plan G to Plan N later?
You can apply at any time, but outside your Medigap Open Enrollment Period insurers in most states can ask health questions and may decline you.
Talk with a licensed agent
Questions about your Medicare options? Call 1-844-438-6284 (TTY 711) or request a free, no-obligation quote. We do not offer every plan available in your area.
Sources for 2026 figures: CMS 2026 Medicare Parts A & B Premiums and Deductibles; Medicare.gov: Medicare costs; Medicare.gov: Part D costs. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).