Choosing the right Medicare Supplement (Medigap) plan is important for controlling out-of-pocket healthcare costs. Many seniors wonder which plan is the best, and while there’s no one-size-fits-all answer, two plans stand out in 2025: Plan G and Plan N.
In this guide, we’ll explain:
- Why Plan G is the best for overall coverage
- Why Plan N is the best for budget-conscious, healthy seniors
- The key differences between these plans
- How to choose the right Medigap plan for your needs
Best Overall Coverage: Plan G
Plan G is the most comprehensive Medicare Supplement plan available to new enrollees. It covers all Medicare-approved costs except for the Part B deductible.
- Covers Medicare Part A and B coinsurance and hospital costs
- No copays for doctor or hospital visits
- Covers Part B excess charges
- Includes foreign travel emergency coverage (80%)
Typical Plan G Monthly Cost: $125–$200 (varies by state & provider)
Best for Healthy Seniors: Plan N
Plan N offers lower monthly premiums than Plan G but requires small copays for certain medical services. It does not cover Part B excess charges, which can be an issue in some states.
- Lower premiums compared to Plan G
- $20 copay for doctor visits
- $50 copay for emergency room visits (waived if admitted)
- Does not cover Part B excess charges
Typical Plan N Monthly Cost: $110–$160 (varies by state & provider)
Plan G vs. Plan N: Side-by-Side Comparison
| Feature | Plan G | Plan N |
|---|---|---|
| Part A Deductible | Covered | Covered |
| Part B Deductible ($240 in 2024) | Not Covered | Not Covered |
| Part B Coinsurance | 100% Covered | Covered, but copays apply ($20 per visit) |
| Part B Excess Charges | Covered | Not Covered |
| Foreign Travel Emergency | 80% Coverage | 80% Coverage |
| Premium Costs | Higher | Lower |
Get a FREE Medicare Supplement Rate Comparison Report from Medicare.org.
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How to Choose Between Plan G & Plan N
Choosing between Plan G and Plan N depends on your health, budget, and how often you visit doctors or hospitals.
Plan G may be best if:
- You want full coverage with no surprise medical bills
- You visit the doctor frequently
- You live in a state where doctors charge Part B excess fees
Plan N may be best if:
- You are in good health and don’t visit the doctor often
- You want lower monthly premiums
- You live in a state that does not allow Part B excess charges
Not sure which plan is right for you? Compare Medigap plans now.
FAQs: Best Medicare Supplement Plans
Why is Plan G the best Medigap plan?
Plan G offers the most comprehensive coverage available to new Medicare enrollees, paying for all Medicare-approved costs except the Part B deductible.
Why would someone choose Plan N over Plan G?
Plan N has lower premiums than Plan G but requires small copays. It’s a good option for healthy seniors who don’t mind occasional out-of-pocket costs.
What’s the biggest difference between Plan G and Plan N?
Plan G covers Part B excess charges, while Plan N does not. Plan N also has small copays for doctor visits and emergency room trips.
Can I switch from Plan N to Plan G later?
Yes, but in most states, you will need to pass medical underwriting unless you qualify for guaranteed issue rights.
Conclusion
Plan G and Plan N are the best Medicare Supplement plans for 2024. Plan G is ideal for those who want full coverage, while Plan N is a great choice for budget-conscious, healthy seniors.
Compare Medicare Supplement plans and find the best coverage for your needs.
Get a FREE Medicare Supplement Rate Comparison Report from Medicare.org.
Our report gives you the essential details you need to make an informed decision—no sales pressure, just transparent information.
Medicare.org is owned by Allstate but operates independently to provide unbiased rate information. We prioritize education, transparency, and your trust.