Medigap Plan G and Plan N are the two most popular Medicare Supplement plans. Plan G has higher premiums but no copays. Plan N has lower premiums but charges up to $20 per doctor visit and $50 per ER visit. Enter your quotes and healthcare usage below to see which plan saves you more over 1, 5, and 10 years. Instant results, no signup required.
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Plan G vs Plan N: What's the Difference?
Both plans cover the same core Medicare gaps. The key differences:
Plan G
- Higher monthly premium
- No copays at the doctor
- No copays at the ER
- Covers Part B excess charges
- Completely predictable costs
Plan N
- Lower monthly premium
- Up to $20 copay per office visit
- Up to $50 copay for ER (no admit)
- Does NOT cover excess charges
- Lower cost if you visit rarely
Both plans require you to pay the annual Part B deductible ($257 in 2025) before coverage kicks in.
💰 Your Medigap Quotes
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🩺 Your Healthcare Usage
📖 Learn More About Medigap Plans
Dive deeper into Medigap plan details and find the best rates in your state:
This calculator provides estimates for educational purposes only. Actual costs depend on your carrier, location, age, and health. Part B deductible shown is the 2025 amount ($257). Copay amounts are maximums set by CMS. This is not insurance advice. Consult a licensed insurance agent or your local SHIP counselor for personalized guidance. All calculations run locally in your browser.