Plan G vs. Plan N – Medicare Supplement Comparison
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Make your Medicare decision with total clarity.
Compare plans, get straight answers, and experience the most streamlined, honest guidance in the industry.
Make your Medicare decision with total clarity.
Compare plans, get straight answers, and experience the most streamlined, honest guidance in the industry.
Plan G
Maximum coverage, predictable costs, and no copays for office or ER visits.
- Comprehensive coverage for all Medicare Part A & B gaps except the Part B deductible
- No copays for doctor, specialist, or emergency room visits after deductible
- All excess charges covered—no surprise 15% bills above Medicare rate
- All hospital, coinsurance, skilled nursing, and blood costs covered after Medicare pays
- Nationwide freedom—no networks, referrals, or HMO/PPO limitations
- Best for: Predictable costs, frequent doctor visits, full peace of mind
- Learn more about Plan G
Plan N
Lower premium with small copays—great for healthy, budget-conscious retirees.
- Lower monthly premium, typically less than Plan G
- $20 copay for doctor visits, $50 copay for ER (waived if admitted)
- No coverage for Part B excess charges (rare, only applies with certain doctors)
- Same full coverage for hospital, coinsurance, skilled nursing, blood, and hospice as Plan G
- Nationwide network freedom—see any Medicare provider without restrictions
- Best for: Healthy, infrequent doctor visits, or those wanting to maximize monthly savings
- Learn more about Plan N
| Plan G | Plan N | |
|---|---|---|
| Medicare Part A Deductible | Covered | Covered |
| Medicare Part B Deductible | Not Covered | Not Covered |
| Doctor Visit Copays | No Copays | Up to $20 per visit |
| ER Copay | No Copay | $50 (waived if admitted) |
| Excess Charges | Covered 100% | Not Covered |
| Skilled Nursing Facility | Covered | Covered |
| Hospital Coinsurance + 365 Days | Covered | Covered |
| Blood (first 3 pints) | Covered | Covered |
| Foreign Travel Emergency | 80% (up to plan limits) | 80% (up to plan limits) |
What You Should Know
- Plan G is ideal for those who want maximum Medicare coverage, predictable costs, and never want to worry about unexpected doctor or hospital bills.
- Plan N is best for those who are healthy, value a lower monthly premium, and don’t mind paying a small copay for doctor and ER visits.
- Both plans allow you to see any doctor or hospital nationwide that accepts Medicare—no networks, no referrals, and no pre-authorizations.
- May River Medicare’s experts will guide you through all your choices, answer every question, and make sure you enroll in the plan that fits your health and budget.
- Important: Neither plan covers Medicare Part B deductible (that’s the same for all new Medigap plans), and only Plan G covers all “excess charges” if you see a provider who bills above the Medicare rate.
Frequently Asked Questions
If I choose Plan N, will I have to pay extra charges?
Most people on Plan N never encounter excess charges, but they are possible if you see a doctor who does not “accept assignment” (charges more than Medicare’s standard rate). Plan G covers all excess charges. Our advisors can help you check for providers in your area.
What if I want to switch from Plan N to Plan G (or vice versa) later?
You can apply to switch plans at any time, but medical underwriting may apply. It’s important to choose the plan that fits your needs now—May River Medicare can review your options for future flexibility.
Do both plans cover the same hospital and skilled nursing benefits?
Yes. Both Plan G and Plan N cover all Medicare Part A coinsurance, hospital costs, and skilled nursing facility care, along with blood and hospice coinsurance.
Are prescriptions covered?
Neither plan covers prescriptions. We’ll help you select a separate Medicare Part D plan to cover your medications.
Does May River Medicare charge for its services?
Never. Our support, plan analysis, and ongoing help are completely free—our mission is to make your Medicare decision simple and worry-free.
Still have questions? Our licensed advisors will walk you through every detail—no pressure, just honest answers.
Book a Free Consultation See All FAQs (843) 227-6725
Book a Free Consultation See All FAQs (843) 227-6725