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Plan G vs Plan N: what is the difference?
Both are standardized Medigap policies that leave the Part B deductible to you. Plan G covers Part B excess charges. Plan N does not, and it has copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission.
Facts only, from 1 cited source, checked October 23, 2026. This page does not recommend either option.
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Plan G vs Plan N side by side
| Medigap Plan G | Medigap Plan N | Source | |
|---|---|---|---|
| Part B deductible ($283 in 2026) | Not covered | Not covered | Medicare.gov: Compare Medigap plan benefits |
| Part B coinsurance | Covered | Covered, except copays up to $20 (office) and $50 (ER, not admitted) | Medicare.gov: Compare Medigap plan benefits |
| Part B excess charges | Covered | Not covered | Medicare.gov: Compare Medigap plan benefits |
| Part A deductible and hospital coinsurance | Covered | Covered | Medicare.gov: Compare Medigap plan benefits |
| Skilled nursing facility coinsurance | Covered | Covered | Medicare.gov: Compare Medigap plan benefits |
| Foreign travel emergency | 80% up to plan limits | 80% up to plan limits | Medicare.gov: Compare Medigap plan benefits |
| High-deductible version | Offered in some states; up to $2,950 in 2026 before it pays | None | Medicare.gov: Compare Medigap plan benefits |
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Questions
What is the difference between Plan G and Plan N?
Both are standardized Medigap policies that leave the Part B deductible to you. Plan G covers Part B excess charges. Plan N does not, and it has copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission.
What does Plan N not cover that Plan G does?
Part B excess charges, and the Part B copays of up to $20 for some office visits and $50 for ER visits without admission.
Do Plan G and Plan N cost the same?
No single price applies. Medicare.gov says Medigap premiums vary by policy, where you live, and other factors.