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Medigap Plan G vs. Medigap Plan N: Which Is Right For You?

By Kyle Kirkland
With 10 different plans to choose from, selecting the right Medigap insurance plan might seem challenging. Here’s everything you need to know about 2 of those plans—Medigap Plan G and Plan N.

Medigap insurance is a type of insurance that has 10 different standardized plans, from Plan A through Plan N. The private insurance companies that offer these policies must sell them according to these lettered Medicare standards, and each plan offers specific types of coverage. Your particular fees and private insurance provider will vary according to your region, but the coverage of each lettered plan will stay uniform. Here's what Medigap’s Plan G and Plan N offer. 

What Does Medigap Plan G Offer?

According to the official U.S. government website for Medicare, Medigap Plan G offers 100% coverage of the following expenses:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted
  • Part B coinsurance or copayment
  • The first 3 pints of blood transfusion
  • Part A hospice care coinsurance or copayment
  • Coinsurance for skilled nursing facility care
  • Part A deductible

Plan G also offers 80% coverage of overseas health servicesup to your plan limit. Also, “Medigap Part G pays the excess charge of Part B whereas Part N does not,” Fran Majidi, of Smart Finance Insurance, tells WebMD Connect to Care.

An excess charge is the difference between a doctor’s fee for a service and what Medicare Part B has approved as payment for that service, according to the Medicare Resource Center.

“This is significantly important for people who have registered late and have to pay the life-long surcharge,” Majidi says.

Plan G is also a good option if you need to see a doctor frequently. “If you have several doctor appointments a month, you may be better off with Plan G to avoid the copays,” Adam M. Hyers, founder of Hyers & Associates Insurance Agency, tells WebMD Connect to Care.

It’s also important to know that Medigap insurance, regardless of which plan you choose, is only available to people who already have Medicare Parts A and B. 

What Does Medigap Plan N Offer?

According to the official U.S. government website for Medicare, Medigap Plan N offers 100% coverage of the following expenses:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted
  • Part B coinsurance or copayment, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission
  • The first 3 pints of blood transfusion
  • Part A hospice care coinsurance or copayment
  • Coinsurance for skilled nursing facility care
  • Part A deductible

Plan N also offers 80% coverage of overseas health services—up to your plan limit.

One major difference between Plan G and Plan N is the Part B copayments, as noted above. 

Shopping for Medigap plans is like shopping for any other Medicare insurance. You need to know the following:

  • How much you can afford to spend every year on medical expenses
  • If you’re willing to have a shorter list of options for doctor visits
  • If any doctors you currently see accept Medicare

“Plan N is a good choice for those who are generally in good health and don't see the doctor much throughout the year,” Hyers says.  

Also, Plan N costs less than Plan G. “For Plan N, the amounts vary but it could be as much as $20 a month or more in savings vs. Plan G,” Grant Dodge, Broker at Health Benefits Associates, Inc., tells WebMD Connect to Care.

Get started now. 

Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? WebMD Connect to Care Advisors may be able to help.