Compare Medicare Plan G vs Plan N in 2026

Plan N typically has lower monthly premiums than Plan G, often saving you $20-50 per month. However, Plan N requires small copays for doctor visits ($20) and emergency room visits ($50). If you visit the doctor frequently, Plan G's higher premium may actually save you money overall. Compare plans in your ZIP code to find the best value for your situation.

No, Plan N does not cover Medicare Part B excess charges. These are charges from doctors who don't accept Medicare assignment and can bill up to 15% above Medicare's approved amount. If you choose Plan N, you would be responsible for these excess charges. Plan G covers these charges in full, making it the better choice if you see doctors who don't accept Medicare assignment.

You can switch plans, but you may need medical underwriting outside your Open Enrollment period. This means insurers can deny coverage or charge higher premiums based on your health. During Open Enrollment or guaranteed issue periods, you can switch without health questions. Get instant quotes to compare Plan G and Plan N costs available in your area.

The Medicare Part B deductible for 2026 is $257 (per year). This is the only gap that Plan G doesn't cover - you pay this amount once per year, and then Plan G covers everything else. Plan N also requires you to pay this deductible, plus copays for doctor visits. Both plans offer excellent coverage once the deductible is met.

Plan G is currently the most popular Medicare Supplement plan among new enrollees. It offers the most comprehensive coverage available to newly eligible beneficiaries. Plan N is growing in popularity due to its lower premiums, making it attractive to healthy individuals who don't expect frequent doctor visits. See which plans are available in your area with our free comparison tool.