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Compare Medicare Supplement Plan F, Plan G, and Plan N

Medicare Supplement plans are designed to work alongside your traditional Medicare (Part A and Part B) coverage. Medicare Supplement plans (like Plan F, Plan G, or Plan N) can help pay for your Medicare out-of-pocket costs, such as:

  • Coinsurance
  • Copayments
  • Deductibles

…and more.

What are Medicare Supplement plans?

Medicare Supplement plans are standardized policies. In 47 states, they have lettered names, like Medicare Supplement Plan A, Plan F, Plan G, and so on, up to Plan N. There are 10 standardized plans. Massachusetts, Minnesota, and Wisconsin have their own standardized plans.

Each plan of the same name, like Plan G, has the same set of basic benefits, even in different states. So, if you buy a Medicare Supplement Plan G in North Carolina, its basic benefits will be the same as a Plan G in Florida. Premiums and any other plan costs may vary among insurance companies.

Compare Medicare Supplement Plans N vs. Plan G vs. Plan F: what’s the difference?

Here’s a table that lets you quickly compare Medicare Supplement Plan N vs. Plan G vs. Plan F. Note that Plan N has fewer benefits, but it might have a lower premium.

Plan F Plan G Plan N
Medicare Part A inpatient hospital costs for up to 365 days after Medicare coverage is used up Yes Yes Yes
Hospice costs under Part A Yes Yes Yes
Skilled nursing care coinsurance costs


Yes Yes Yes
The first three pints of blood if needed Yes Yes Yes
Part A deductible Yes Yes Yes
Part B deductible Yes* No No
Part B coinsurance or copayment amounts Yes, except for a copayment of up to $20 for certain office visits, and up to $50 for emergency room visits that don’t result in admission to a hospital as an inpatient
Part B excess charges** Yes Yes No


*Starting January 1, 2020, Medicare Supplement plans sold to newly eligible Medicare beneficiaries won’t cover the Medicare Part B deductible. This only applies to plans sold to people who become eligible for Medicare January 1, 2020 and later.

**A Part B excess charge is the difference between the Medicare-approved amount for a covered service, and the amount a doctor is legally allowed to charge above that amount.

Want to hear more about Medicare Supplement Plan N vs. Plan G vs. Plan F, and how much plans cost in your vicinity? Just contact an eHealth licensed insurance agent for assistance. Or, you can start comparing plan costs right away – just enter your zip code in the box on this page.

The product and service descriptions, if any, provided on these eHealth web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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