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

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. 

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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)

Footnotes:

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.

-Melissa

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

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