Medicare Supplement Plan G vs. Plan N: 2025 Comparison Guide with Pros & Cons

Choosing the right Medicare Supplement Plan can make a huge difference in your healthcare experience and costs—especially in 2025 as healthcare continues to evolve. Two of the most popular Medigap options are Plan G and Plan N, each offering robust coverage with important differences. This guide will walk you through everything you need to know so you can make the most informed choice possible.

What Are Medicare Supplement Plans?

Medicare Supplement plans, also known as Medigap, are private insurance policies designed to fill the “gaps” in Original Medicare (Part A and Part B). While Original Medicare covers a significant portion of your healthcare expenses, it still leaves you responsible for copayments, coinsurance, and deductibles.

How Medigap Plans Work with Original Medicare

When you receive medical care, Medicare pays its share of the approved amount for covered health care costs. Then, your Medigap plan steps in to pay its share, depending on the type of plan you choose. This coordination helps limit your out-of-pocket expenses and gives you greater financial predictability.

Why Choose a Medicare Supplement Plan?

• Lower Out-of-Pocket Costs

• Freedom to Choose Any Doctor That Accepts Medicare

• Predictable Monthly Premiums

• No Network Restrictions or Referrals Needed

These benefits make Medigap plans a popular option for retirees and individuals looking for more stability in their healthcare coverage.

Overview of Medicare Supplement Plan G

Plan G is currently the most comprehensive Medigap plan available for new enrollees (since Plan F is no longer available to new Medicare members). It’s especially favored for its nearly full coverage after the Part B deductible.

What Plan G Covers in 2025

• Medicare Part A coinsurance and hospital costs

• Medicare Part B coinsurance or copayment

• Blood (first 3 pints)

• Part A hospice care coinsurance

• Skilled nursing facility care coinsurance

• Part A deductible

• Foreign travel emergency (up to plan limits)

Important: Plan G does not cover the Medicare Part B deductible.

Out-of-Pocket Costs with Plan G

Once you pay your annual Part B deductible (which is $240 in 2025), Plan G covers 100% of the remaining Medicare-approved costs. Monthly premiums vary based on your location and age but typically range from $120–$200 per month.

Overview of Medicare Supplement Plan N

Plan N is similar to Plan G but includes cost-sharing features that reduce your monthly premiums in exchange for minor out-of-pocket expenses.

What Plan N Covers in 2025

• Everything Plan G covers except:

  • Part B excess charges

  • Part B deductible

• Requires copayments:

  • Up to $20 for doctor visits

  • Up to $50 for ER visits (waived if admitted)

Costs Associated with Plan N

Plan N typically has lower monthly premiums than Plan G, averaging around $90–$150 per month. However, you’ll need to budget for the occasional copays and the possibility of Part B excess charges if your doctor doesn’t accept Medicare assignment.

Plan G vs. Plan N: Key Differences Explained

Let’s break down the core differences between these two plans.

Coverage Comparison Chart

Who Should Consider Plan G?

• Prefer predictable costs with little to no out-of-pocket expenses

• Visit specialists frequently

• Want comprehensive coverage including excess charges

Who Should Consider Plan N?

• Don’t mind occasional copays

• Visit the doctor infrequently

• Want to save on monthly premiums

• Use providers who accept Medicare assignment

Monthly Premiums: G vs. N

Premiums are influenced by age, gender, tobacco use, and zip code. While Plan G has higher premiums, it may be more economical long-term for people who want consistent coverage without surprise fees. Plan N, on the other hand, offers savings for healthier individuals who seldom visit the doctor.

Doctor Visit Copays and ER Charges

Under Plan N, you’ll pay:

• Up to $20 for office visits

• Up to $50 for ER visits (if not admitted)

Plan G covers these without additional cost, making it the more convenient option for frequent care.

How to Enroll in Plan G or N

• Initial Enrollment Period: 3 months before to 3 months after your 65th birthday and enrollment in Medicare Part B.

• Guaranteed Issue Rights: Special situations like losing group coverage or moving.

• No Medical Underwriting: If enrolling during your initial period.

You can enroll through a licensed agent, insurance company, or online Medicare brokerage.

Expert Tips for Choosing the Right Plan

• Evaluate your annual healthcare usage

• Consider how often you travel (foreign emergency coverage matters)

• Check whether your doctors accept Medicare assignment

• Compare premiums with anticipated out-of-pocket costs

• Reassess your plan yearly during Open Enrollment

Frequently Asked Questions (FAQs)

1. Is Plan G better than Plan N in 2025?
It depends on your healthcare needs. Plan G offers broader coverage, while Plan N is more budget-friendly.

2. Will Plan N cost more in the long run?
If you have frequent doctor visits or ER trips, those copays can add up.

3. Can I switch from Plan N to Plan G?
Yes, but you may need to pass medical underwriting unless you qualify for a special enrollment.

4. Does Plan N cover Part B excess charges?
No, if your doctor charges more than Medicare’s approved amount, you pay the difference.

5. Is there a deductible for Plan G or Plan N?
Both plans require you to pay the Medicare Part B deductible.

6. Are foreign travel emergencies covered?
Yes, both Plan G and N offer coverage for emergencies abroad (80% up to plan limits).

Conclusion: Which Medigap Plan Is Better in 2025?

Ultimately, Medicare Supplement Plan G is ideal if you value comprehensive coverage and predictability. Plan N suits those seeking lower premiums and who don’t mind some cost-sharing. There’s no one-size-fits-all answer—choosing between Medicare Supplement Plan G vs. Plan N comes down to balancing your health needs, preferences, and budget.

🔗 Helpful External Link:
Official Medicare.gov Guide to Medigap Policies