Comparing Popular Medigap Plans: Plan F, Plan G, and Plan N

There are ten standard Medigap, or Medicare Supplement plans currently available in the majority of the United States. While the monthly premiums may differ between locations, the benefits and coverage of each plan are identical wherever that plan is offered.

More than half of Americans enrolled in Medigap have chosen Plan F, but Plan G and Plan N are growing increasingly popular. Below, we offer Medicare Supplement plan comparisons between these options to help you determine which of the three will best fit your needs.

Medigap Plan F: The Greatest Possible Coverage

Medigap Plan F offers the most comprehensive benefits. This plan provides incredible protection that is ideal for seniors with chronic health conditions who expect to have many medical expenses each year. Of course, this broad coverage requires a higher monthly premium than other plans.

With Medicare Supplement plan F, both your Medicare Part A and Medicare Part B deductibles are covered, so you pay absolutely nothing before Medicare kicks in. Plan F also covers:

  • Part B excess charges
  • Part A and Part B coinsurance and copayments
  • Hospital coinsurance for one full year (365 days) after your Medicare Part A benefits are used up
  • Skilled nursing care coinsurance
  • Hospice care coinsurance
  • Blood (for approved procedures): First three pints per year
  • 80% of foreign travel emergency care (up to plan limits)

It’s also important to know that Medigap Plan F was phased out in 2020. If you are already enrolled in Plan F at that time, then you can keep your plan, but you will not be able to purchase a new Plan F policy.

Medicare Supplement Plan F vs. Plan G

Medigap Plan G is very similar to Medigap Plan F, offering broad coverage. These two plans are the only Medigap policies that cover Part B Excess charges, which gives you the flexibility to visit a healthcare provider who does not participate with Medicare.

The main difference between these plans is that Plan G won’t cover the Medicare Part B deductible. Additionally, Plan G will be available after Plan F is phased out.

Medicare Supplement Plan F vs. Plan N

Medigap Plan N is a relatively new plan, which was rolled out in 2010. It offers both affordable premiums and essential coverage for catastrophic out-of-pocket costs. If you choose Medicare Supplement Plan N, you will enjoy the same benefits as Plan F, except:

  • No coverage for Medicare Part B excess charges
  • No coverage for Part B deductible
  • There may be a copay of up to $50 for hospital visits (that don’t result in admission) and $20 for doctor visits

Medicare Supplement Plan G vs. Plan N

Unlike Medigap Plan F, both Medigap Plan G and Medigap Plan N will be available for purchase beyond 2020. These two plans offer similar coverage. The more affordable Plan N, however, will NOT cover Medicare Part B excess charges and may require a copay for a doctor and hospital visits, as detailed above.

Would You Like to Explore More Medigap Plans?

For more Medicare Supplement plan comparisons, please explore the My Medigap Plans website or contact one of our friendly Medigap professionals today.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.