Medigap Plan G or Plan N? How they differ and who each fits

• Plan G: covers the Part A and Part B costs Medigap can cover, including Part B excess charges, except the Part B deductible.
• Plan N: covers most of the same, with up to a small copay for some office visits and emergency room visits, and does not cover Part B excess charges.
• Neither plan includes drug coverage. You would add a separate Part D plan.

People who want the fewest surprises tend to look at Plan G. People who see doctors only occasionally and want a lower monthly premium often look at Plan N. Excess charges only apply with doctors who do not accept the Medicare-approved amount in full, so ask how common that is where you live.

• Your ZIP code
• Your date of birth
• Whether you smoke
• The date your Part B starts

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