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Medicare Plan F vs Plan G vs Plan N

  • Medicare with Melissa

Comparing Medicare Plan F vs Plan G vs Plan N Benefits and Prices

We are comparing Medicare Plan F vs Plan G vs Plan N because they are the three most popular Medicare Supplement Plans. But, what’s the difference between them? And which one is right for you?

Do you want Full Coverage, Great Coverage or Nice Coverage?

Fun Fact: Over 90% of all Medigap enrollees have a Plan F, Plan G or Plan N!

Fun Fact #2: First, all three plans have no networks. This means that you can go to any doctor, hospital or facility that takes Medicare. The Kaiser Family Foundation research showed that less than 1% of physicians have chosen to opt-out of Medicare. (

Today, All of these plans cover you in all 50 states and US territories and all of these plans have some international coverage.

Medicare Plan F is the most comprehensive plan available. It covers all the costs for Medicare Part A and Part B services, including deductibles, coinsurance and copays.

Medicare Plan G is very similar to Plan F. The only difference is that Plan G requires you to pay the Medicare Part B deductible.

Medicare Plan N is the least expensive option of the three. It covers most of the same services as Plan F and Plan G.

Medicare Supplement Plan N covers Part B coinsurance, but it doesn’t cover the Part B deductible or the Part B excess charges. If you’re looking for a Medigap plan with low premiums and still provides great benefits, Plan N might be a right choice for you.

All three plans have similar coverage, but premiums will vary by state and insurance carrier.

Please keep the following in mind:

Plan F = Full Coverage, Plan G = Great Coverage and Plan N = Nice Coverage

No matter which Medicare Supplement plan you choose, you’ll have peace of mind knowing that you’ve got coverage that works with Original Medicare and covers 100% at the hospital (what-if situations).

Keep reading to learn the key benefits and differences of the different Medicare Supplement Plans prior to making your decision.

Do you have questions or need help choosing a Medicare Plan? We’re here to help! Give us a call at 866-633-4427 to speak with a licensed insurance agent today.

We represent over 25 top-rated insurance companies and can quickly and easily compare Medicare Supplement (Medigap) Plans for you.

Plan F vs Plan G vs Plan N Comparison Chart 2023

Plan F vs Plan G vs Plan N
Plan F Coverage, Plan G Coverage, Plan N Coverage Comparison

Which Medicare Supplement Plan Cost More? Plan F vs Plan G vs Plan N?

The cost of Medicare Supplement Plan F is most expensive, followed by Plan G and then Plan N. In this case, the more coverage you have, the higher the monthly premium you pay.

The average cost of Medicare Supplemental Insurance Plans can vary between companies, amongst many others, such as; zip code, age, gender and more.

Our friendly, licensed insurance agents at Senior HealthCare Solutions will help you compare Medicare Plans and prices from over 25+ top-rated Medicare Insurance carriers.

What is the difference between Medicare F and G plans?

There is only 1 difference in coverage between these two Medigap Plans and that is the Medicare Part B annual deductible.

The Medicare Part B Deductible: $233 in 2022.

In exchange for paying the Part B deductible, you can expect to have a lower monthly premium with Plan G vs. Plan F.

Both plans offer a high-deductible option with much lower monthly premiums.

Plan F vs Plan G Comparison

The graphic below shows the benefits of Medigap Plan F and Medigap Plan G. You can see, the only difference between Medicare Supplement Plan F and Medicare Supplement Plan G is the Part B annual deductible.

Medigap Plan F vs G Comparison Chart 2023

Plan F vs Plan G
Plan F vs Plan G Benefit Comparison

Is Plan F better than Plan G?

If by “better” you mean more coverage, then yes, Medigap Plan F is better than Medigap Plan G. But, if you are a bargain shopper and want to make the most of your dollar, consider comparing Plan G rates before enrolling in Plan F.

What is the difference between Plan N and Plan F?

Medicare Supplement Plan N has lower premiums and less coverage than Medicare Supplement Plan F.

Medicare Supplement Plan F provides full coverage for Medicare Part A and Part B services (deductibles, coinsurance, and copays). Plan F also has a high-deductible Plan F option, whereas Plan N does not.

Medicare Plan N provides full coverage if you are admitted to the hospital. Otherwise, you will pay the following:

  • $50 copay Emergency Room Visits (waived if admitted)
  • Medicare Part B Deductible: $233 in 2022
  • Up to $20 copay for some doctor office visits
  • Part B excess charges (if/when applicable)

Neither of these Medigap Policies include coverage for prescription drugs.

Plan N vs Plan F

You can see below that there are a few differences between the Medigap Plan F and Medigap Plan N. Plan F has higher monthly premiums than Plan N.

Medicare Plan N vs Plan F Comparison Chart 2023

Plan F vs Plan N
Plan F vs Plan N Benefit Comparison

Is Plan N better than Plan F?

No, Plan N is not better than Plan F, if we’re comparing benefits only. However, if you are someone that doesn’t have frequent office visits to the doctor, consider comparing Plan N rates before enrolling in another Medigap Plan. Plan N provides a lot of Nice coverage for the premium you’ll pay!

What is the difference between Plan G and Plan N?

Medicare Supplemental Plan G and Plan N require you pay the Part B annual deductible.

Plan N will require you to pay some additional costs that Plan G otherwise covers, such as:

  • $50 copay Emergency Room Visits (waived if admitted)
  • Part B Annual Deductible (Medicare Part B Deductible: $233 in 2022)
  • $Up to $20 copy for some physician office visits
  • Part B Excess Charges (not always applicable)

Plan G vs Plan N

Review the Plan G vs Plan N graphic below to see the plan benefits side by side.

Medicare Plan N vs Plan G Comparison Chart 2023

Plan G vs Plan N
Plan G vs Plan N Benefit Comparison

Is Medicare Plan G better than Plan N?

Yes, Plan G is better than Plan N when comparing Medigap benefits. But, there is no “one-size-fits-all” Medigap Plan and that’s why you have choices. Remember, the term “better” can mean better benefits or better premium. Plan N has the better premium than Plan G.

Frequently Asked Questions: Plan F vs Plan G vs Plan N

What is the best Medicare Supplement Plan?

That depends on your needs and budget. Each Medicare Supplement Plan has something great to offer. Plan F has the most coverage, but Plan N has the best premiums.

Call us today, 866-633-4427 and let one of our licensed insurance agents help you compare Plans and Premiums that will help making your choice much easier!

When can I change my Medigap Plan?

Great news! If you have a Medigap Plan, you can apply to change plans anytime throughout the year. There is no Annual Enrollment Period or Open Enrollment Period that you have to wait for.

Medical underwriting will likely be required to qualify for new coverage. Our team will help compare over 25+ top-rated insurance companies and assist with submitting the application for coverage. Call now, 866-633-4427!

Can I change my Medicare Advantage Plan to any Medigap Plan?

Yes, you can change your Medicare Advantage Plan to any Medigap Plan you’d like. However, in most cases and unless you have a Special Enrollment Period, you will likely have to wait until the Annual Enrollment Period (AEP) to make such plan changes.

The Annual Enrollment Period runs every year from October 15th-December 7th.

Our team of agents are happy to review your plans and let you know if and when you can change plans. Give us a call at 866-633-4427.

Is Medicare Plan G the best Plan?

Medicare Plan G is about the most popular Medicare Supplement Plan. But, Plan F is technically the “best” Medigap Plan, as it offers more coverage than any other Medicare Supplemental Plan.

Is Plan G the same as Plan F?

No, Plan G is not the same as Plan F. Although, nearly identical in coverage, Plan G does require that you pay the Medicare Part B annual deductible (insert SC).

Can I switch from Plan N to Plan G?

Yes, if you currently have a Supplement Plan N, you can submit an application for coverage with the same or different carrier for Plan G.

Compare Plan G Premiums using our online quote tool. If you find a plan you like, call 866-633-4427 or schedule an appointment to enroll.

Does Plan N have a deductible?

Plan N does require that you pay the Medicare Part B annual deductible (insert SC).

Is Plan F the best Medicare Supplement Plan?

We think the best Medicare Supplement Plan is the one the client finds most suitable for his/her needs.

Plan F does provide the best/most coverage, but that doesn’t make it the best plan for everyone.

Is Medigap Plan F better than Medicare Advantage?

That depends on what you consider better. There are pros and cons to each type of health plan.

Related Article: Why Medicare Advantage Plans Are Bad

Compare Medicare Plan F, Plan G and Plan N Rates today!

At Senior HealthCare Solutions, we try our best to make comparing Medigap Plans simple.

You can compare Medicare Supplement Rates without speaking to an agent, just click the link below for our online quoting tool. If you have questions or find a plan you’d like to enroll in, give us a call at 866-MEDIGAP (866-633-4427) or schedule an appointment.

Download the Medicare Plan F vs Plan G vs Plan N comparison chart here!

Why Am I seeing this article?
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People Also Read: HMO vs PPO , Medigap vs Medicare Advantage

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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