Plan G vs Plan N vs
High-Deductible Plan G
Comparing Medigap plans isn’t just about premiums — it’s about how costs add up when you actually use care. May River Medicare Insurance shows real-world scenarios so you can choose confidently.
Quick Plan Differences
Plan G
Highest coverage available to new Medicare enrollees.
- Pay Part B deductible
- No copays
- Predictable costs
Plan N
Lower premium with small copays.
- Copays for office/ER visits
- No excess charge coverage
- Balanced savings
High-Deductible G
Lowest premium with higher upfront risk.
- Annual deductible applies
- Same coverage after met
- Catastrophic protection
Estimated Annual Cost Scenarios
| Usage Scenario | Plan G | Plan N | High-Deductible G |
|---|---|---|---|
| Low Usage (2–3 visits/year) | Higher premium, minimal bills | Lower premium + small copays | Lowest premium, minimal use |
| Moderate Usage | Stable total cost | Copays begin to add up | Some deductible exposure |
| High Usage / Hospitalization | Very predictable costs | Potential excess charges | Deductible met, then full coverage |
Actual premiums vary by ZIP code, age, carrier, and state.
Which Plan Fits You Best?
Choose Plan G If:
- You want predictable medical bills
- You visit doctors frequently
- You value simplicity
Choose Plan N If:
- You want lower premiums
- You don’t mind small copays
- You use care occasionally
Choose High-Deductible G If:
- You are generally healthy
- You want the lowest premium
- You want protection for major events
Compare Real Costs in Your ZIP Code
See Plan G, Plan N, and High-Deductible Plan G pricing side by side. May River Medicare Insurance shows everything up front — no pressure, nationwide.