What is the difference between Plan G and Plan N of Medicare?

Question

George Ibanez · Accepted Answer

Medicare supplement plan G and plan N have the same deductible, however, on plan G after the deductible is satisfied, you do not have to pay anything for doctor visits or emergency room visits and on plan N you have to pay $20 for doctor visits and $50 for emergency room visits.

Answered by George Ibanez on May 26, 2026

Broker Licensed in AR, AL, AZ & 40 other states

Answered by George Ibanez Medicare Insurance Agent

Ann Sanfelippo · Answer

Medigap Plan G and Plan N are both Medicare Supplement plans that help cover costs left by Original Medicare, but Plan N usually has a lower premium with more cost-sharing. Plan G covers almost all Medicare-approved out-of-pocket costs except the small annual Part B deductible.

Plan N requires copays for some doctor and ER visits and does not cover Part B excess charges, which can occur if a provider does not accept Medicare assignment.

Plan G is often preferred by people who want more predictable costs, while Plan N can be a good fit for healthier seniors who want lower monthly premiums.

Charise Karjala · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-is-the-difference-between-plan-g-and-plan-n-of-medicare#charise-karjala

David Wiley · Answer

The primary differences are the monthly premium, copays and deductible. G has a higher monthly premium, no deductible or copays. Plan N has all three of them.

Paul Barrett · Answer

There are a couple of difference between these two plans. First Plan G is the more comprehensive plan and typically more expensive. Plan G has very minimal out of pocket , you simply pay your monthly premium and the Medicare part B deductible and than you will be 100% covered for all Part A&B covered services.

Plan N still a good plan covers 100% of Part A deductible and you still have to pay the Part B deductible each year and once you do Plan N allows a maximum of $20 at a doctors office & a $50 copay at the emergency room.  Lastly Plan N does not cover provider excess charges. This means if a doctor has not opted into Medicare's rates meaning they do not accept Medicare's usual an customary for payment they can bill up to 15% on top. Currently less than 5% of all doctors have opted out nationwide.

John Zentner · Answer

Plan G and Plan N are both comprehensive Medigap (Medicare Supplement) policies. Plan G offers maximum coverage with no unexpected out-of-pocket costs, while Plan N offers lower monthly premiums but requires small copays for doctor and ER visits and excludes Part B excess charges.

Both plans cover all of your major medical cost-sharing gaps, meaning you get excellent financial security and no network restrictions (you can use any doctor accepting Original Medicare).

Jennifer Kalbach · Answer

Plan N charges co pays for doctors and hospital visits and can be subjected to a 15% excess billing charge from any provider. Most do not charge the 15% but they can so best to ask ahead of time if you chose an N. G has no copays and it not subject to excess billing charges.

Answered by Jennifer Kalbach on May 26, 2026

Agent Licensed in KY

Answered by Jennifer Kalbach Medicare Insurance Agent

Rachida Silva · Answer

Plan G is usually best if: You want a "set-it-and-forget-it" plan with total financial predictability. If you go to the doctor frequently, see multiple specialists, or simply hate the idea of handling small bills and tracking whether your provider accepts Medicare assignment, Plan G offers unmatched peace of mind.  
 Plan N is usually best if: You are relatively healthy, visit the doctor only a few times a year for minor routine updates, and want to keep your fixed monthly insurance overhead as low as possible. If the math shows that your annual premium savings on Plan N outweigh the handful of $20 copays you'll pay during the year, Plan N offers incredible value.

Michael Murray · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-is-the-difference-between-plan-g-and-plan-n-of-medicare#michael-murray

What is the difference between Plan G and Plan N of Medicare?

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