Medicare Supplement Plan G vs Plan N: Which Saves You More?
Two of the most popular Medigap plans go head-to-head. Here is the real math on which one keeps more money in your pocket.
Plan G: The Comprehensive Choice
Covers: Part A deductible, Part B excess charges, skilled nursing, foreign travel. Does NOT cover: Part B deductible ($240/year in 2026). Typical premium (FL, age 65): $130-$180/month. Best for: People who want predictability and see doctors frequently.
Plan N: The Budget-Friendly Option
Covers: Same as G except $20 office visit copay and $50 ER copay. Does NOT cover: Part B deductible, Part B excess charges. Typical premium (FL, age 65): $90-$130/month. Best for: Healthy individuals who rarely see doctors.
The Math
Plan G: approximately $1,800/year + $240 deductible = $2,040 Plan N: approximately $1,320/year + $240 deductible + copays = $1,680-$1,800 Plan N saves money if you are healthy. Plan G saves money with frequent doctor visits. Not sure which fits? Call 813-863-5917 for a free personalized comparison.