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What is the difference between Medigap Plan G and Plan N?
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Short answer
Medigap Plan G and Plan N both pay the Medicare Part A deductible, hospital and skilled nursing coinsurance, and 80% of foreign travel emergency care, and neither pays the Part B deductible ($283 in 2026).
Medigap Plan G also pays all of your Part B coinsurance and Part B excess charges.
Medigap Plan N pays the Part B coinsurance except for copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to an inpatient admission, and it doesn't pay Part B excess charges.
| Fact | Figure | Source |
|---|---|---|
| Part A deductible | Both pay it ($1,736 per benefit period in 2026) | Medicare.gov |
| Part B deductible | Neither pays it ($283 in 2026) | Medicare.gov |
| Part B coinsurance | Plan G: 100%. Plan N: 100% except up to $20 office and $50 ER copays | Medicare.gov |
| Part B excess charges | Plan G: 100%. Plan N: not covered | Medicare.gov |
| Skilled nursing coinsurance | Both pay it | Medicare.gov |
| Foreign travel emergency | Both pay 80%, up to plan limits | Medicare.gov |
| High-deductible version | Plan G only: pays after a $2,950 yearly deductible (2026) | Medicare.gov |
What do Plan G and Plan N both cover?
Both plans pay the Part A deductible, Part A hospital coinsurance and an extra 365 days of hospital care after Medicare's benefits are used, hospice coinsurance, the first 3 pints of blood, skilled nursing facility coinsurance, and 80% of foreign travel emergency care up to the plan's limits. Neither pays the Part B deductible.
Where do Plan G and Plan N differ?
On Part B. Plan G pays all of the Part B coinsurance, so after the Part B deductible you generally pay nothing more for Medicare-covered care. Plan N pays the Part B coinsurance except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits when you aren't admitted as an inpatient.
Plan G also pays Part B excess charges: the up to 15% above Medicare's approved amount that a doctor who doesn't accept Medicare's amount as full payment can bill. Plan N doesn't. Some states limit or don't allow excess charges, and most doctors accept Medicare's amount, so how much this matters depends on where you live and which doctors you see.
Why do Plan G and Plan N cost different amounts?
The benefits of each plan letter are set by federal law, so a Plan G from one insurer covers the same things as a Plan G from another; the premium and the insurer's service are what differ. Insurers price policies in one of three ways: the same for everyone (community-rated), by your age when you buy (issue-age-rated) or by your current age (attained-age-rated). This site doesn't publish premiums; Medicare.gov's Medigap policy search lists the insurers in your ZIP code.
When should I buy Plan G or Plan N?
During your 6-month Medigap Open Enrollment Period, which starts the month you're 65 or older and enrolled in Part B. During it an insurer can't refuse you or charge more because of your health. After it, insurers in most states can ask health questions unless you have a guaranteed issue right. More on switching to Medigap later.
Medicare Supplement (Medigap) chart
Medigap plan comparison chart (2026)
What each standardized Medigap plan pays in the United States. Medigap plans are standardized by federal law, so a plan letter covers the same benefits whichever insurer sells it; the price is what differs. “100%” means the plan pays the whole benefit, a lower percentage means it pays that share, “No” means it does not cover it.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs, up to 365 days after Medicare benefits are used | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility care coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel emergency (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Yearly out-of-pocket limit | No | No | No | No | No | No | Yes** | Yes** | No | No |
Plans C and F can be bought only by people who were eligible for Medicare before January 1, 2020; people new to Medicare since then can buy the other letters. Plans F and G also come in a high-deductible version that pays after a yearly deductible. * Plan N pays the Part B coinsurance except for a copayment for some office visits and for emergency-room visits that do not lead to an inpatient admission. ** Plans K and L pay 100% of covered services for the rest of the year once you reach their yearly out-of-pocket limit, which CMS sets each year. Massachusetts, Minnesota and Wisconsin standardize Medigap their own way, so this chart does not apply there.
Source: Federal Medigap standardization rules (CMS, medicare.gov). No plan or insurer is ranked.
What about Plans C and F, and Massachusetts, Minnesota and Wisconsin?
Plans C and F, which also pay the Part B deductible, can be bought only by people who were eligible for Medicare before January 1, 2020. Massachusetts, Minnesota and Wisconsin standardize Medigap differently and use their own plan names, so the letters above don't apply there.
On this site: Medigap insurers and plans by state
Good to know
More questions people ask
Is Plan G the same with every insurance company?
Can I switch from Plan G to Plan N later?
Does Medigap Plan G cover prescription drugs?
Can I use Plan G or Plan N with Medicare Advantage?
Related questions
In depth
- Medicare.gov: Compare Medigap plan benefits
- Medicare.gov: Medigap (Medicare Supplement Insurance)
- Medicare.gov: Ready to buy a Medigap policy?
- Medicare.gov: Find a Medigap policy
Figures are Medicare’s, set nationally, and were checked against these pages on October 2026. For your own situation, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).
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This page was last updated: October 2026.