Medigap Plan G vs. Plan N: Which Is Best?

Medigap Plan G is the most comprehensive Medicare Supplement Insurance plan that’s available for purchase by all Medicare members. Medigap Plan N covers a bit less, but its premiums are lower, too.

Premiums aren’t the only cost you’ll need to consider, though. Medigap Plan N requires copays for certain office and emergency visits, so whether you could save money with Plan N also depends on how often you’ll pay those copays.

What’s the coverage difference between Plan G and Plan N?

Medigap Plan G and Plan N have mostly the same set of Medicare benefits, but there are a couple of key differences.

Benefits that are the same in both Plan G and Plan N

Here are the Medicare benefits that both Plan G and Plan N cover, according to

Part A coinsurance and hospital stays up to an additional 365 days after Medicare benefits are used up.

Part A hospice care coinsurance or copayment.

Skilled nursing facility care coinsurance.

Blood transfusion (first three pints).


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This article was written by Alex Rosenberg and originally published on