Medicare Supplement Plans N and G both work with Original Medicare to help cover out-of-pocket costs. The right choice depends on how often you use healthcare and how much cost-sharing you’re comfortable with.
What Plan N and Plan G Have in Common
Both plans:
- Work with Original Medicare.
- Allow nationwide access to doctors who accept Medicare.
- Do not require referrals or networks.
- Do not include prescription drug coverage.
Key Differences
Plan G
- Higher monthly premiums.
- Covers nearly all Medicare-approved costs after the Part B deductible.
- No copays for most services.
- Covers Medicare Part B excess charges.
Plan N
- Lower monthly premiums.
- Requires small copays for some doctor and emergency room visits.
- Does not cover Part B excess charges.
- Part B deductible still applies.
Which Plan May Be a Better Fit?
Plan G may make sense if you:
- Visit doctors or specialists frequently.
- Want predictable costs.
- Prefer fewer out-of-pocket expenses.
Plan N may make sense if you:
- Are generally healthy.
- Want to save on monthly premiums.
- Are comfortable with occasional copays.
Questions About Plan N or Plan G?
Our Education Specialist can help Call (855) 764-2227 now.