Medicare
Medigap Plan G vs Plan N: how to explain the difference to clients
By the QuoteDeck team · Updated · 3 min read
The short answer
Medigap Plan G and Plan N both leave the client responsible for the Part B deductible ($283 in 2026). Plan G covers the rest of Medicare-approved costs, including Part B excess charges. Plan N usually has a lower premium but charges copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission, and does not cover Part B excess charges.
Plan G vs Plan N side by side
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A coinsurance and hospital costs | Covered | Covered |
| Part A deductible | Covered | Covered |
| Skilled nursing facility coinsurance | Covered | Covered |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B coinsurance | Covered | Covered, except copays of up to $20 for some office visits and up to $50 for ER visits that do not result in admission |
| Part B excess charges | Covered | Not covered |
| Foreign travel emergency (up to plan limits) | 80% | 80% |
Medigap benefits are standardized, so Plan G from one carrier has the same benefits as Plan G from another. The differences between carriers are price, rate increase history, how premiums are rated (attained age, issue age or community rated) and household discounts.
Which clients each plan fits
Plan G tends to fit clients who want the most predictable costs, see doctors often, see specialists who may not accept Medicare assignment, or simply do not want copays.
Plan N tends to fit healthy clients who visit the doctor a few times a year, are comfortable with small copays, and live in an area where most doctors accept Medicare assignment, which makes excess charges unlikely. Some states do not allow Part B excess charges at all, which makes the gap smaller.
How to present Plan G vs Plan N
- Quote both plans from the carriers you write, with the same effective date.
- Show them side by side with the premium difference, per month and per year.
- Explain copays and excess charges in plain language, with the client’s own doctor visits as the example.
- Note underwriting. Outside the Medigap open enrollment period or a guaranteed issue right, the client may have to answer health questions.
- Add final expense, dental or hospital indemnity where it fits, so the client sees their whole plan at once.
QuoteDeck pulls live Medigap rates, lets you put Plan G and Plan N next to each other in one branded presentation, and adds dental, final expense and supplemental options to the same package.
Frequently asked questions
What is the main difference between Medigap Plan G and Plan N?
Plan G covers Part B excess charges and has no office or ER copays. Plan N does not cover excess charges and has copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission. Plan N usually costs less per month.
Do Plan G and Plan N cover the Part B deductible?
No. Neither plan covers the Part B deductible, which is $283 in 2026. Plans that cover it (C and F) are not available to people who became eligible for Medicare on or after January 1, 2020.
Can a client switch from Plan N to Plan G later?
Often, but outside the Medigap open enrollment period or a guaranteed issue right, the carrier can usually ask health questions and decline or charge more. Some states give additional switching rights.
Sources
Checked on October 3, 2026. Rules change, so confirm with the source and your carriers.
This guide is general information for licensed insurance professionals, not legal or compliance advice. Follow CMS, state and carrier requirements that apply to you.
Put Plan G and Plan N side by side in minutes
Live Medigap rates, a clean comparison your client can read, and final expense or dental options in the same presentation.