Medicare
What is the difference between Medicare Supplement Plan G and Plan N?
Plan G covers everything Medicare covers except the Part B deductible ($257 in 2026). Plan N also covers everything except the deductible but adds up to $20 copay for office visits and up to $50 copay for ER visits. Plan N premiums are typically $20–$50/month lower. Plan G is better for frequent healthcare users; Plan N for healthy, low-utilization enrollees.
Key Points
- Both plans cover everything Medicare covers except the Part B deductible
- Plan N adds up to $20 office visit copay and up to $50 ER copay
- Plan N premiums are typically $20–$50/month lower than Plan G
- Plan G covers Part B excess charges; Plan N does not
- Both plans are standardized — same benefits regardless of carrier