Medicare Supplement Plan G vs. Plan N: 2026 Comparison Guide
Medigap Comparison • Information Current As Of: August 2026 • Reviewed by: Alston Ebron, Licensed Insurance Agent
Comparing Florida's Leading Medigap Options
Both Medicare Supplement Plan G and Plan N provide standardized coverage to help pay for cost-sharing gaps in Original Medicare. Compare monthly premium trade-offs, doctor visit copays, and Part B excess charge coverage to choose the right strategy.
Section 1: Standardized Medigap Overview
Medicare Supplement Insurance plans are standardized by federal and state law. Core benefits for Plan G and Plan N are identical across all insurance carriers, though monthly premiums vary by insurer, location, rating method, eligibility, and permitted underwriting factors, per the official Medicare.gov Medigap Comparison Portal.
Section 2: Side-by-Side Benefit Comparison Matrix
| Medigap Benefit / Feature | Medicare Supplement Plan G | Medicare Supplement Plan N |
|---|---|---|
| Part A Hospital Coinsurance & Costs | 100% Covered (up to 365 extra days) | 100% Covered (up to 365 extra days) |
| Part B Coinsurance / Copayments | 100% Covered after Part B Deductible | 100% Covered, except copayments up to $20 for certain office visits & up to $50 for certain emergency-room visits that do not result in inpatient admission |
| Part B Deductible | Not Covered (Beneficiary pays) | Not Covered (Beneficiary pays) |
| Part B Excess Charges | 100% Covered | Not Covered (Plan G covers excess charges; Plan N does not. Excess charges apply only where legally permitted.) |
| Foreign Travel Emergency Care | 80% up to $50,000 lifetime limit after $250 deductible for care in first 60 days of trip | 80% up to $50,000 lifetime limit after $250 deductible for care in first 60 days of trip |
Section 3: Detailed Copayment & Excess Charge Rules
Plan N may require a copayment of up to $20 for certain office visits and up to $50 for certain emergency-room visits that do not result in inpatient admission. Under standardized Medigap benefits, Plan G covers Medicare Part B excess charges; Plan N does not. Excess charges apply only in circumstances where a provider may legally bill them. Learn more at CMS.gov Medigap Guidelines.
Section 4: Foreign Travel Emergency Coverage
Both Plan G and Plan N provide standardized foreign travel emergency coverage for medically necessary emergency care that begins during the first 60 consecutive days of a trip outside the United States. Benefits pay 80% of billed charges after a $250 annual deductible, up to a lifetime maximum benefit of $50,000 (subject to specific policy terms and eligibility), as outlined in Medicare.gov foreign travel rules.
Frequently Asked Questions — Plan G vs. Plan N in Florida
How do Medicare Supplement Plan G and Plan N cost-sharing rules differ?
Plan G covers 100% of Medicare Part B coinsurance and excess charges after the annual Part B deductible. Plan N covers Part B coinsurance except for copayments of up to $20 for certain office visits and up to $50 for emergency-room visits not resulting in inpatient admission, and does not cover Part B excess charges.
Do Plan G and Plan N cover the Medicare Part B deductible?
No. Neither Plan G nor Plan N covers the annual Medicare Part B deductible. Beneficiaries pay this deductible out-of-pocket before Medicare supplemental benefits apply.
What are Part B excess charges and how do they apply?
Under standardized Medigap benefits, Plan G covers Medicare Part B excess charges; Plan N does not. Excess charges apply only in circumstances where a provider may legally bill up to 15% above the Medicare-approved amount.
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 5 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to get information on all of your options.
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Educational only — not medical or legal advice. Plan benefits and costs change annually; confirm details during a free review.