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Medicare Supplement Plan F vs. Plan G vs. Plan N

Medigap Plan F, Plan G, and Plan N are the three most popular Medicare Supplement plans available to Medicare beneficiaries. So naturally, when enrolling in a Medigap plan, you may feel indecisive over which plan to choose. Luckily, we are here to answer the most popular questions surrounding Medigap Plan F vs. Plan G vs. Plan N, including how the plans differ in coverage, price, and reliability.

Compare Medicare Supplement Plan F vs. Plan G vs. Plan N


Medicare Supplement Plan F, Plan G, and Plan N offer similar benefits. However, coverage from each of these plans is not identical.

If you enroll in Medigap Plan F, you will receive first-dollar coverage. This type of coverage means you are not responsible for any out-of-pocket costs making it the most comprehensive Medigap plan available to beneficiaries who qualify.

Medigap Plan G offers similar coverage to Plan F. However, Medigap Plan G is not a first-dollar plan.

Medicare Supplement Plan G requires the beneficiary to pay the Medicare Part B deductible. Once they meet the deductible, Medigap Plan G covers the remaining 20% of expenses from Original Medicare.

If you enroll in Medigap Plan N, your coverage will differ slightly from Plan G. On Medigap Plan N, you will not only be responsible for the Medicare Part B deductible but also for copayments when you visit the doctor or the emergency room. Additionally, you will be responsible for excess charges if applicable in your area.

As with all Medigap plans, monthly premium prices for Medicare Supplement Plan N vary based on the beneficiary’s location, gender, and age. However, it is typically the lowest cost of the three plans. Whereas Medigap Plan F is typically the most expensive of the three. Thus, a plan’s cost is directly correlated to its benefits.

Medigap Plan F vs. Plan G Benefits

In terms of coverage, Medicare Supplement Plan F is unmatched. This plan covers every out-of-pocket cost after Medicare Part A and Medicare Part B cover their portion, leaving the beneficiary with no out-of-pocket costs.

Unfortunately, this plan is no longer available to new Medicare beneficiaries. Additionally, those who qualify often pass on Medigap. Plan F coverage in favor of Plan G.

Medigap Plan G is attractive to those eligible for Plan F due to its lower premium and similar benefits. Medigap Plan G can be anywhere from $25 to $75 less expensive than Plan F. This makes it more cost-effective in the long run since the only difference in coverage is the Medicare Part B deductible.

Medicare Supplement Plan G vs. Plan N Benefits

Medicare Supplement Plan G and Plan N are very similar regarding coverage. The most significant factor in choosing between these plans is how often you expect to see your physician throughout the year.

If you rarely go to the doctor and never miss an annual exam, Medicare Supplement Plan N might work for you. This plan has a lower premium, and you are only responsible for copayments if you see a doctor or visit the emergency room, this plan is ideal for anyone who only goes to the doctor a handful of times per year and is looking to save.

However, we cannot predict what our health will look like next month or even tomorrow. Those who consider this aspect of the future, and those who visit the doctor regularly, tend to enroll in Medigap Plan G.

Medicare Supplement Plan G does not require copayments, so you know once you meet the Medicare Part B deductible, you will not owe any other healthcare-related costs for the rest of the year. This plan allows you to precisely budget your annual health care costs.

Which is Better: Medigap Plan F vs. Plan G vs. Plan N?

To decide which plan is the best, you must first understand what benefits you seek. If you are looking for a policy to cover all of your out-of-pocket costs but do not mind paying a more significant monthly premium, then Medigap Plan F might be the best for you.

If you are looking for a plan with a lower premium that still allows you to have low out-of-pocket costs, then Medigap Plan G could be your best option.

Lastly, if you are looking for preventive coverage, low monthly premiums, and low copayments when visiting the doctor, Medigap Plan N might be your ideal plan. The best plan is always relative to your needs as a consumer. No two beneficiaries have the same conditions, so there is no single plan that will work best for everyone.

Once you understand which plan will work best for you, finding a suitable carrier is essential. Since benefits are standardized, they will not change depending on your carrier.

Be sure to find a reputable, highly rated company that offers your plan at a low cost. Your research will ensure you receive excellent coverage without being overcharged

Allison Auvil

Allison Auvil

Content Strategist
Allison Auvil is a Content Strategist at Elite Insurance Partners. With a bachelor’s degree in visual arts, Allison brings a creative perspective to her writing. She has been involved in content writing and editing for the past five years. The combination of an extensive Medicare101 training program and daily thorough research has made Allison a Medicare Guru. A detail-oriented writer, Allison is focused on writing pieces that are accurate, informative, and easy to read. She begins her writing process with meticulous research and note taking. Once her data is compiled, Allison enjoys the challenge of taking complex data and information and creating articles that are easy to understand.

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