Medicare Supplement Plan G vs. Plan N: Complete Comparison in Florida
Plan G is the most comprehensive Medigap plan available to new enrollees, covering nearly all out-of-pocket costs. Plan N costs less but requires copays for some visits and doesn't cover Part B excess charges. Plan G provides maximum predictability; Plan N offers lower premiums with modest cost-sharing.
In Florida
In Florida, Medicare Supplement Plan G premiums average about $175/month, though your actual rate depends on your age, tobacco use, and the carrier you choose. Florida has about 5,136,024 Medicare beneficiaries, and 56.1% are enrolled in Medicare Advantage rather than Original Medicare with a supplement. Plan availability and pricing vary by county.
For those choosing Medigap (Medicare Supplement insurance), Plan G and Plan N are the two most popular options. Both work with Original Medicare to cover gaps in coverage, but they differ in comprehensiveness and cost.
Understanding these differences helps you choose between maximum coverage (Plan G) and a cost-effective balance (Plan N).
Side-by-Side Comparison
| Feature | Plan G | Plan N |
|---|---|---|
| Part A coinsurance/hospital costs | 100% covered | 100% covered |
| Part B coinsurance | 100% covered | 100% covered (with copays) |
| Blood (first 3 pints) | 100% covered | 100% covered |
| Part A hospice coinsurance | 100% covered | 100% covered |
| Skilled nursing facility coinsurance | 100% covered | 100% covered |
| Part A deductible | 100% covered | 100% covered |
| Part B deductible | Not covered | Not covered |
| Part B excess charges | 100% covered | Not covered |
| Foreign travel emergency | 80% covered | 80% covered |
| Office visit copays | $0 | Up to $20 |
| ER copays (not admitted) | $0 | Up to $50 |
Which Option Is Right for You?
Best for
Plan G may be right if you:
- Want maximum cost predictability
- See doctors frequently
- Want protection against excess charges
- Prefer paying more premium for $0 out-of-pocket
- Don't want to think about copays at appointments
Best for
Plan N may be right if you:
- Want lower monthly premiums
- Don't see doctors very frequently
- Are comfortable with occasional copays
- Use providers who accept Medicare assignment
- Want good coverage at a better value
Frequently Asked Questions
Can I switch from Plan N to Plan G later?
Yes, but you'll likely face medical underwriting. Outside your initial Medigap Open Enrollment Period, insurers can deny coverage or charge more based on health conditions.
Are Plan G and N premiums the same everywhere?
No. Premiums vary significantly by location, age, and insurance company. Always compare quotes from multiple insurers for the same plan letter.
Does Plan N cover emergencies the same as Plan G?
Both cover emergency care equally if you're admitted to the hospital. Plan N has a $50 copay for ER visits that don't result in admission; Plan G has no copay.
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