Medigap Plan G vs Plan N: Complete Cost Comparison 2025
In-depth financial analysis comparing Medigap Plan G and Plan N premiums, copays, and total annual costs to help you choose the right plan.
Medigap Plan G vs. Plan N: Financial Analysis
Understanding the cost-risk trade-off between comprehensive coverage and lower premiums
Coverage Comparison at a Glance
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A Deductible | ✅ Covered | ✅ Covered |
| Part B Deductible | ❌ Not Covered | ❌ Not Covered |
| Part B Coinsurance | ✅ 100% Covered | ⚠️ Up to $20 copay |
| Emergency Room Copay | ✅ Covered | ⚠️ Up to $50 copay |
| Part B Excess Charges | ✅ Covered | ❌ Not Covered |
Plan G: Maximum Protection
Plan G provides the most comprehensive coverage available for new Medicare enrollees. After you pay the annual Part B deductible ($240 in 2025), Plan G covers virtually all remaining out-of-pocket costs.
Key Benefits
- ✅ No copays for doctor visits
- ✅ No ER copays
- ✅ Part B excess charges fully covered
- ✅ Predictable annual costs
Best For:
- • Frequent healthcare users
- • Those seeking maximum peace of mind
- • People who value predictable costs
- • Anyone concerned about excess charges
Plan N: Lower Premium Option
Plan N offers substantial coverage at a lower monthly premium. In exchange, you'll pay small copays for office visits and emergency room visits, and you're responsible for Part B excess charges.
Your Costs
- ⚠️ Up to $20 copay per office visit
- ⚠️ Up to $50 ER copay (waived if admitted)
- ⚠️ Part B excess charges not covered
- ✅ Part B deductible not covered
Best For:
- • Generally healthy individuals
- • Those seeking lower monthly costs
- • People in states limiting excess charges
- • Budget-conscious planners
Understanding Part B Excess Charges
Part B excess charges occur when a doctor who accepts Medicare but isn't a Medicare Assignment provider charges more than the Medicare-approved amount. The provider can charge up to 15% above the Medicare-approved rate.
Annual Cost Comparison Example
Plan G Scenario
- Premium: $200/month ($2,400/year)
- Part B Deductible: $240
- Copays: $0
- Total: $2,640/year
Plan N Scenario (6 visits)
- Premium: $140/month ($1,680/year)
- Part B Deductible: $240
- Copays: $120 (6 visits × $20)
- Total: $2,040/year
* Example assumes 6 office visits/year with no ER visits or excess charges
Find Your Best Fit
Take our Medigap Comparison Quiz below to get a personalized recommendation based on your healthcare needs and budget
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