Plan G vs Plan N — the only decision most people face
Since Plan F closed to new enrollees in 2020, Plan G is the most comprehensive option: it pays every Medicare gap except the ~$283 Part B deductible. Plan N costs ~25% less but adds copays and doesn't cover Part B excess charges — fine in states that ban excess charges, risky elsewhere.
- • Buy in your 6-month open-enrollment window at 65 — guaranteed issue, no underwriting.
- • After that window, most states let carriers medically underwrite you.
- • The same Plan G can differ by $100+/mo between carriers — benefits are identical.
Related guides
Long-form playbooks on the same topic, written by the RevenueLab editorial team.
FAQ
How much does Medigap Plan G cost?
Roughly $145/month at 65 in an average state, rising to ~$220 by 75 under attained-age pricing. Low-cost states (WI, IA) run 15% under; high-cost states (FL, NY, CT) 25% over.
Is Plan G or Plan N better?
Plan G for peace of mind and heavy use; Plan N saves ~$360/yr but adds $20 office and $50 ER copays and exposes you to Part B excess charges (up to 15% above Medicare rates). If you see doctors monthly, G usually nets out cheaper.
When should I buy Medigap?
During your 6-month Medigap Open Enrollment starting the month you turn 65 and have Part B — carriers cannot deny or surcharge you. Miss it, and in most states you can be declined for health reasons forever.
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