Plan G vs Plan N
Which one saves you more?
Plan G and Plan N are the top Medicare Supplement choices for new enrollees. Both offer strong nationwide coverage — the right pick depends on how often you use healthcare and which trade-off fits your life.
2026 side-by-side
Both cover the same core benefits. The differences are in four areas: copays, excess charges, the Part B deductible, and premium. Source: CMS / NAIC standardized benefits.
| Benefit (2026) | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance + 365 extra days | ✓ 100% | ✓ 100% |
| Part A deductible ($1,736 in 2026) | ✓ Covered | ✓ Covered |
| Part B coinsurance / copay | ✓ 100% covered | ⚡ Up to $20 office / $50 ER copay |
| Part B deductible ($283 in 2026) | ✗ You pay | ✗ You pay |
| Part B excess charges | ✓ Covered | ✗ Not covered |
| Skilled nursing facility coinsurance | ✓ Covered | ✓ Covered |
| Hospice coinsurance | ✓ Covered | ✓ Covered |
| First 3 pints of blood | ✓ Covered | ✓ Covered |
| Foreign travel emergency (80% after $250) | ✓ Covered | ✓ Covered |
| Doctor network | Any Medicare provider — nationwide | Any Medicare provider — nationwide |
| Monthly premium (typical, age 65) | Higher | Lower (~$15–$25/mo less) |
Plan G — best for
Predictable, near-zero costs
- Frequent doctor or specialist visits
- Chronic conditions managed with regular care
- You want to budget exactly — no surprise copays
- You want excess charges covered
Plan N — best for
Lower premium with minimal usage
- Generally healthy with infrequent visits
- Comfortable with $20 office / $50 ER copays
- Want $200–$300+ in annual premium savings
- Use providers that accept Medicare assignment
Find your break-even
Enter your premium gap and typical visits per year. We'll show which plan saves you more.
Typical Utah gap is $12–$25/mo. Brian gets exact carrier pricing for your age and ZIP.
Average healthy 65-year-old: 4–6 visits. Managing a condition: 10–20+.
Simplified estimate (Plan N office copay assumed $20/visit). Excess charges, ER copays, and exact premiums vary — Brian runs your precise numbers.
Get your exact Plan G vs N comparison
Real carrier rates for your age, ZIP, and health history — with the break-even run on your actual visit frequency. Free.