What’s the Difference Between Medicare Plan G and Plan N?

Difference Between Medicare Plan G and Plan N FAQ

• How much cheaper is Plan N compared to Plan G?

  As of 2025, Plan N is typically 15–25% cheaper than Plan G.

  This often translates to $20–$50 less per month, depending on:

  • Your age

  • ZIP code

  • Tobacco use

  • Gender (in some states)

  • The insurance company

• What does Plan G cover?

  Plan G is the most comprehensive Medigap plan available to new enrollees:

  • Covers everything Medicare approves except the Part B deductible ($257 in 2025)

  • No copays at doctor or ER visits

  • Covers Part B excess charges (up to 15% above the Medicare-approved rate)

  • Ideal for those who want predictable, low out-of-pocket costs

• What does Plan N cover?

  Plan N offers lower premiums in exchange for some cost-sharing:

  • You pay the Part B deductible ($257 in 2025)

  • You pay up to $20 copay at doctor visits and $50 at the ER (waived if admitted)

  • Does not cover excess charges, which can occur if you see a doctor who doesn’t accept Medicare assignment

  • Great for those willing to trade a little risk for monthly savings

• Plan G vs Plan N — Which is better?

  Plan G = higher monthly cost, fewer surprises

  Plan N = lower monthly cost, but potential for extra charges

• Can I switch from Plan N to Plan G later?

  You can try, but you will most likely need to go through medical underwriting. That means:

  • The insurance company can review your health

  • They may deny your application or charge more if your health has changed

  This is why many people choose the plan they can stick with long-term — switching later is not guaranteed.