Medicare reference · 5 min read
Medigap Plan G vs. Plan N: Which Should You Choose?
Plan G and Plan N are the two most popular Medigap plans for new enrollees. Plan G covers almost all of the gaps in Original Medicare except the Part B deductible, so after that deductible you typically pay nothing for covered services. Plan N usually has a lower monthly premium, but you pay small copays (up to $20 for some office visits and up to $50 for emergency-room visits) and it does not cover Part B "excess charges." Plan G suits people who want maximum predictability; Plan N suits people who want a lower premium and rarely face excess charges.
Plan G vs. Plan N at a glance
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium | Higher | Lower |
| Part B deductible | You pay it | You pay it |
| Office/ER copays | None | Up to $20 / $50 |
| Part B excess charges | Covered | Not covered |
| Best for | Predictable, no surprises | Lower premium, occasional copays |
What are Part B excess charges?
Some providers do not accept Medicare’s approved amount as full payment and can bill up to 15% more — an "excess charge." Plan G covers these; Plan N does not. Excess charges are banned in several states, which can make Plan N more attractive there.
Common questions
Is Plan G or Plan N cheaper overall?
It depends on how often you use care. Plan N has a lower premium but adds copays and possible excess charges. If you see doctors frequently or live where excess charges are allowed, Plan G can cost less overall despite the higher premium.
Why not Plan F?
Plan F covered even the Part B deductible, but it is no longer available to people who became eligible for Medicare on or after January 1, 2020. Plan G is the closest equivalent for new enrollees.
Sources
CreditMango is independent and not affiliated with or endorsed by Medicare, CMS, the Social Security Administration or any insurer. This is general information for 2026, not medical, insurance or financial advice; rules and costs change every year. For free, unbiased one-on-one help, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org ↗ or call 1-800-MEDICARE.