Not sure what plan is right for you? Take Our Medicare Quiz

Request A Quote

Speak to an advisor

866-MEDIGAP (633-4427)

TTY: Dial 711

Email Us

Not sure what plan is right for you? Take Our Medicare Quiz

What are the differences between Medicare Supplement (Medigap) Plans F, G and N?

  • Plan F: Medicare pays 80%. Plan F will pay the remaining 20%. Plan F covers 100% of coinsurance, copays and deductibles on all Medicare covered services. 
  • Plan G: Medicare pays 80%. Plan G has a Part B deductible. Once this is met, Plan G covers 100% of coinsurance, copays and deductibles on all Medicare covered services. The Part B deductible is $203 in 2021.  
  • Plan N: Medicare pays 80%. Plan N you pay the Part B deductible of $203 in 2021 Once this is met, you will pay $20 copay at some doctor offices and a $50 copy at the emergency room if you are not admitted. Plan N does not pay Part B excess charges. 


Medicare Supplement (Medigap) Plan F, Plan G and Plan N comparison of coverage

The benefit chart compares Medicare Supplement (Medigap) plans F, G and N.

Note: A ✓ means 100% of benefit is paid with the exception of foreign travel. Foreign travel is covered 80%.

Comparison of Plan F, Plan G and Plan N

Medicare Supplement Plan Benefits ComparisonFGN
Medicare Part A coinsurance and hospital coverage.Up to an additional 365 days after Medicare benefits are used up
Medicare Part B:Coinsurance or copaymentCopays Apply1
Blood: First 3 Pints
Hospice Care Part A
Skilled Nursing Facility Coinsurance
Medicare Part A Deductible
Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency (up to plan limits)


Plan N pays 100% of Part B co-insurance, except for a co-payment of up to $20 for some doctor office visits and up to $50 for the emergency room.  Plan N does not pay the Part B deductible of $203 in 2021

Additional Facts on Medicare Supplemental Insurance

  • Each standardized Medicare Supplement (Medigap) plan must offer the same basic benefits no matter which insurance company sells it. 
  • Cost and rating are usually the only difference between Medicare Supplement plans with the same letter sold by different insurance companies. 
  • In Massachusetts, Minnesota, and Wisconsin, Medigap Plans are designed as “a la carte” plans where consumers can choose specific benefits and design a plan specifically for their needs.
  • Medicare doesn’t pay any premium for a client to receive a Medicare Supplement policy and some states have a cap on Medicare Supplement premiums.
  • Medicare Part C, also known as Medicare Advantage, is offered through private insurance companies as an alternative way to retain insurance. 
  • Medigap Plans are not the same as Medicare Advantage Plans (Part C).

Learn More: Which Medigap Plan Should I Choose?

People Also Read: How much does a Medicare Supplement (Medigap) plan cost?

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.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

Other posts you may interested in…