Medicare Insurance · Comparison
Medicare Supplement Plan G vs Plan N
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees. Both cover everything Medicare covers except the Part B deductible. The key difference: Plan N adds up to $20 office visit copays and up to $50 ER copays, but premiums are $20–$50/month lower.
Plan G vs Plan N — Key Differences
| Feature | Plan G | Plan N |
|---|---|---|
| Plan G | no copays after Part B deductible | Plan N: up to $20 office visit and $50 ER copays |
Plan N premiums are typically $20–$50/month lower than Plan G | ||
| Plan G covers Part B excess charges | Plan G covers Part B excess charges | Plan N does not |
Both plans are standardized — same benefits regardless of carrier | ||
| Plan G is better for frequent healthcare users | Plan G is better for frequent healthcare users | Plan N for healthy, low-utilization enrollees |
Both require a separate Part D plan for prescription drugs | ||
The Patriot Plans Verdict
Plan G is the better choice for most people who see doctors regularly. Plan N makes sense if you're healthy, rarely visit specialists, and want to save $20–$50/month on premiums.
Still Not Sure Which Is Right for You?
Patriot Plans is 100% independent. We compare both options from vetted carriers and recommend the one that's right for your specific situation — no sales pressure, no commissions driving our advice.