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What's the difference between Medicare Plan F, Plan G and Plan N?

Jan 17, 2019 11:31:00 AM / by Stephanie Pogue

Stephanie Pogue

If you have decided you want a Medicare Supplement, your next decision is what Plan you want to have. You can easily compare Medicare Supplement plans below. 

Medicare Plan F

Plan F is the most popular plan because it covers all of the gaps left by Medicare.  As long as Medicare approves your services, Plan F will pay for all of the related co-pays and deductibles. You should not have any bills for your doctor or hospital visits outside of your monthly premium for the plan. This is normally the most expensive Medigap plan.

Medicare Plan G

Plan G works the same way as Plan F except that you will be responsible for the Part B Annual Deductible ($185.50 in 2019). This is usually the most economical plan.

Medicare Plan N

Plan N has a much lower premium than the other supplemental plans so some of the co-pays are passed along to you. You will be responsible for:

  • Part B Annual Deductible ($185.50 in 2019)
  • Up to $20 co-pays at the doctors office
  • Up to $50 co-pays at the emergency room
  • Part B Excess Charges

Related Post: Should I be concerned about Medicare Part B Excess Charges?



Although the Medicare Supplement Plans cover all of your medical expenses, almost none of them, cover Prescriptions, Dental, Vision or Long Term Care. These are all separate plans you need to consider.

Also, keep in mind, you will still be responsible for the Part B Monthly Premium ($135.50 if enrolling in 2019 and earning less than $85,000 per year in income) in addition to the Plan premium.

Related Post: How do I find the right Medicare Part D plan?


Once you’ve chosen the Supplemental Plan you want, you need to choose a company and enroll. Remember, there is no difference in the coverage between the companies. The only difference is the price.

Related Post: Tips on choosing the right Medicare Supplement Plan


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Topics: Medicare

Stephanie Pogue

Written by Stephanie Pogue

Stephanie has been primarily helping seniors and retirees with their healthcare decisions since 1995. In addition, she has recruited and trained agents, developed and promoted managers, and ranked in the Top 3% of Sales Managers at Bankers Life & Casualty while she was there. She is now the Director of the St. Louis Insurance Group and can be reached by email at