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

Like many seniors, if you’re struggling to pay for your health care costs, you may be wondering how Medicare Supplement insurance can help. With benefits for out-of-pocket expenses like deductibles, coinsurance, and copays, the right supplement plan can help you keep more money in your pocket where it belongs.

Plans are named after letters of the alphabet, with each letter representing a different combination of benefits. While all plans must offer a basic level of coverage, there are major differences between them, and it makes sense to compare plans to find one that meets your needs.

Seniors looking for comprehensive coverage often turn to Medicare Supplement Plan F, G, or N. With the most benefits, these are the plans seniors look to when customizing a health plan with low out-of-pocket costs. Here’s some information on Medicare Supplement Plans N, F, and G—a quick resource for you to compare plan benefits to make the right choice.

Medicare Supplement Insurance Plans are Standardized

You may have heard the term standardized when talking about Medicare supplement plans. All that means is that policies with the same letter must include the same benefits. Insurance companies selling Medicare Supplement insurance are required by law to sell standardized policies. In other words, a Plan F from one company must include the same benefits as a Plan F offered through another company. However, companies are not required to charge the same for the same plans—and they don’t. It’s smart to compare plans for not only the right benefits but also, the right cost.

Comparing Medigap Plans F, G and N

While there are many different combinations of benefits offered through Medigap, Plans F, G and N are the most popular. With more coverage than any other supplement plan available, these are the three plans offering the most coverage for out-of-pocket expenses.

Plan F includes the following:

  • Part A & Part B coinsurance, copayment
  • Part A & Part B deductible
  • Part B excess charges
  • First 3 pints of blood
  • Hospice care &skilled nursing coinsurance
  • Foreign travel emergency coverage

Plan G includes the following:

  • All the benefits of Plan F except Part B deductible

Plan N includes the following:

  • All the benefits of Plan F except Part B excess charges AND Part B deductible

Plan F is a good choice if you visit the doctor frequently, and expect to face many out-of-pocket expenses. Plan G and Plan N offer almost everything Plan F offers. Remember, different Medigap plans are standardized, but prices vary significantly between companies. After choosing the plan that works best for your needs, take some time to review a few different companies to find the best price.






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Testimonial Jenn, Thank you for helping me with this, what I thought was a confusing task, you have made it simple and very pleasant. You are an excellent professional. Once again, you are absolutely the best. Thank you for making it so easy and solving a very unsettled status in my life.” S. Randall, Refugio
Testimonial With Jenn’s help, I found a plan that was perfect for my wife and I retirement needs and saved us money from what we had been paying. Thank you for always answering our questions, calls and emails. C. Richards, Houston
Testimonial Lesli’s professional manner and her ability to explain the policy to me made my decision to select a supplemental policy for my retirement an easy one. I would highly recommend her to my friends. Thank you Ronald Hornburg, Cypress

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