Plan G vs Plan N: The Honest Comparison Every Medicare Enrollee Needs
Plan G and Plan N are the two most popular Medicare Supplement plans. Here is exactly how they differ, what each costs, and which one wins for your situation.
When you turn 65 and enroll in Medicare, you face one of the most consequential insurance decisions of your life. Plan G and Plan N cover the same core benefits — but they differ in ways that can cost you hundreds of dollars a year if you choose wrong. Here is the straight comparison.
What Plan G Covers
Plan G covers everything Medicare Part A and Part B leave behind — except the Part B deductible ($240 in 2026). That means hospital costs, skilled nursing facility coinsurance, Part B excess charges, and foreign travel emergencies are all covered. Your only out-of-pocket cost is the annual Part B deductible.
What Plan N Covers
Plan N covers the same benefits as Plan G with two differences: you pay up to $20 copays for office visits and up to $50 for emergency room visits (waived if admitted). Plan N also does not cover Part B excess charges — the extra amount some doctors charge above Medicare's approved rate.
The Premium Difference
Plan N premiums are typically $20-$40/month less than Plan G. Whether that savings is worth it depends on how often you visit doctors and whether your doctors accept Medicare assignment (eliminating excess charges). If you rarely visit doctors, Plan N often wins on total cost.
Who Should Choose Plan G
Plan G is the better choice if you visit doctors frequently, prefer predictability, or live in an area where many doctors charge excess charges. The higher premium buys you zero copays and zero surprise bills.
Who Should Choose Plan N
Plan N is the better choice if you are healthy, rarely visit doctors, and your doctors accept Medicare assignment. The lower premium can save $300-$500/year for people who rarely use their coverage.
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