MyMed360

Plan G vs. Plan N — The Two Most Popular Medigap Plans Compared

Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees. Both offer strong coverage, but they differ in how you pay: Plan G has higher premiums with almost no out-of-pocket costs, while Plan N has lower premiums with small copays at doctor visits and the ER.

G

Plan G

Most popular — covers nearly everything

People who want predictable costs with minimal out-of-pocket risk. The go-to plan for most new enrollees.

N

Plan N

Lower premiums with small copays

Healthy people who rarely visit the doctor and want lower monthly premiums in exchange for small copays.

Benefit-by-benefit comparison

Benefit
Plan G
Plan N

Part A coinsurance & hospital costs

(up to 365 days after Medicare benefits used)

Covered
Covered

Part B coinsurance or copayment

Covered
Copays apply

Blood

(first 3 pints)

Covered
Covered

Part A hospice care coinsurance or copayment

Covered
Covered

Skilled nursing facility coinsurance

Covered
Covered

Part A deductible

($1,676 in 2026)

Covered
Covered

Part B deductible

($283 in 2026)

No
No

Part B excess charges

Covered
No

Foreign travel emergency

(up to plan limits)

Covered
Covered

Rows highlighted in amber show where coverage differs between the two plans.

Bottom line

Choose Plan G if you want maximum predictability — you'll pay only the $283 Part B deductible each year, and nothing else. Choose Plan N if you're healthy, rarely visit the doctor, and prefer to save $30–60/month on premiums in exchange for occasional $20 office visit copays.

See what Plan G and Plan N cost in your state

Premiums vary by carrier, state, age, and gender.

Compare Plan G CarriersCompare Plan N Carriers