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What Is the Difference Between Medicare Supplement Insurance Plans F, G, and N?

Medicare Supplement (or Medigap) insurance plans are standardized across the nation, except in Massachusetts, Minnesota, and Wisconsin. Each of the 10 plans is denoted by a letter, and the currently available plans are A, B, C, D, F, G, K, L, M, and N. These plans are provided through private insurance companies, but plan type with the same letter must offer the same set of basic benefits regardless of location.

Medigap Plan F * is considered one of the most popular plans because it offers the most comprehensive coverage of certain health care costs, including:

  • Medicare Part A coinsurance and hospice care coinsurance
  • Medicare Part A deductible
  • Medicare Part B coinsurance or copayment
  • Medicare Part B deductible
  • Part B excess charges
  • First three pints of blood used in a procedure
  • Skilled nursing facility (SNF) care coinsurance
  • Coverage outside of the United States (up to plan limits)

Medigap Plan G offers all of the same benefits as Plan F except for the Part B deductible.

Plan G will offer a high deductible option beginning January 1, 2020.

Medigap Plan N covers the same benefits as Plan F except the Part B deductible and Part B excess charges. Also, it covers the Medicare Part A deductible at 50% versus 100%. Medigap Plan N pays for 100% of the Part B coinsurance, except for copayments of up to $20 for certain office visits and up to a $50 for emergency room visits that do not result in an inpatient admission.

Just by entering your zip code in the form on this page, you can start comparing Medicare Supplement insurance plans in your area instantly. But you’re also more than welcome to reach out to us (contact information is below this article).

*As of January 1, 2020 people new to Medicare can’t buy plans that cover the Medicare Part B deductible. This means that Medicare Supplement Plans C and F will no longer be available to new Medicare enrollees. However, if you already have a Plan C, Plan F, or high-deductible Plan F, you can keep it. If you were eligible for Medicare before January 1, 2020, you also may be able to buy Medicare Supplement Plan C, F, or high-deductible Plan F.

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