MyMed360

Plan N vs. Plan G — Is the Savings Worth the Copays?

Plan N typically costs $30–60/month less than Plan G, but comes with small copays: up to $20 for office visits and up to $50 for ER visits (waived if admitted). It also doesn't cover Part B excess charges. Is the tradeoff worth it?

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.

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.

Benefit-by-benefit comparison

Benefit
Plan N
Plan G

Part A coinsurance & hospital costs

(up to 365 days after Medicare benefits used)

Covered
Covered

Part B coinsurance or copayment

Copays apply
Covered

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

No
Covered

Foreign travel emergency

(up to plan limits)

Covered
Covered

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

Bottom line

If you see your doctor fewer than 10 times a year and your doctors accept Medicare assignment (most do), Plan N likely saves you money. If you have chronic conditions requiring frequent visits, Plan G's predictability is worth the higher premium.

See what Plan N and Plan G cost in your state

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

Compare Plan N CarriersCompare Plan G Carriers