Medicare Supplement Plan G vs. Plan N | Tramazzo Insurance Group

Comparing Medicare Supplement Plan G vs Plan N

There are 10 standardized Medigap plans nationwide.

Benefits are federally standardized (identical across carriers) but state-regulated, so only the premiums and rate-adjustment rules differ by state.

Plan G (“GREAT”) – Most Comprehensive

Pays nearly all Medicare deductibles, copays, and coinsurance — except the small Part B deductible ($283 in 2026)
No networks: See any Medicare-accepting doctor or hospital nationwide
$0 copays after deductible is met
Foreign travel emergency: 80% coverage (after $250 ded., $50,000 lifetime max)
Higher premium, but ultra-predictable with virtually no out-of-pocket surprises

Plan N (“NOT BAD”) – Excellent Value for Healthy Retirees

Same core benefits & nationwide freedom as Plan G (no networks or referrals)
Same Part B deductible ($283 in 2026)
Lower monthly premium and often more stable rate increases
Two minor cost-sharing differences:
1️⃣ Up to $20 coinsurance for some Part B doctor visits

$50 ER copay, which is waived if admitted

2️⃣ Does not cover Part B excess charges (< 0.2% of claims)

Plan G vs Plan N — Quick Comparison

Feature	Plan G	Plan N
Annual Part B Deductible	$283 (you pay once per year)	$283 (you pay once per year)
Doctor / Hospital Copays	$0 after deductible	Up to $20 visit / $50 ER
Part B Excess Charges	Covered 100%	Not covered (rare)
Foreign Travel Emergency	80% ($250 ded., $50k max)	80% ($250 ded., $50k max)
Networks / Referrals	None – Nationwide Access	None – Nationwide Access
Typical Monthly Premium	Higher (cost for predictability)	Lower (cost for value)

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Comparing Medicare Supplement Plan G vs Plan N

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