Medigap Plan G vs. Plan N in Florida: How to Tell Which Fits

If you've decided a Medicare Supplement (Medigap) policy is the direction for you, you've probably run into the two names people talk about most: Plan G and Plan N. They're the most popular choices for folks new to Medicare, and they're more alike than different. Let me lay out where they line up and where they part ways, in plain English.

First, the thing that makes this easier than it looks: Medigap benefits are standardized by plan letter. The standardized benefits in one company's Plan G match those in another company's Plan G, and the same is true for Plan N. Prices, rate increases, underwriting practices where allowed, discounts, service, and any non-insurance extras can still differ by insurer.

What Plan G and Plan N have in common

Both are strong, comprehensive supplements. With either one, after Original Medicare pays its share, the plan picks up most of what's left — your Part A hospital costs, the 20% Part B leaves on the table, and more. Neither plan covers the Part B annual deductible ($283 in 2026); you pay that yourself before either plan kicks in on the Part B side. And neither includes prescription drug coverage, so people with either plan typically add a standalone Part D drug plan.

Where they differ — the three things that actually matter

1. Monthly premium. Plan N often has a lower quoted premium than Plan G for the same applicant and insurer, but that is not guaranteed. Compare actual quotes, rating methods, available discounts, and rate history.

2. Copays at the point of care. Plan N may charge up to $20 for some office visits and up to $50 for an emergency room visit that does not result in an inpatient admission. Plan G does not use those Plan N copays. Both plans require you to pay the annual Part B deductible.

3. Part B "excess charges." Plan G covers Part B excess charges; Plan N does not. An excess charge can apply when a provider does not accept Medicare assignment and is permitted to bill above the Medicare-approved amount, generally up to 15%. Ask a provider whether it accepts Medicare assignment before receiving care.

A side-by-side look

	Plan G	Plan N
Monthly premium	Varies by insurer and applicant	Often lower for the same applicant and insurer; verify quotes
Office / ER copays	No Plan N copays	Up to $20 for some office visits; up to $50 for an ER visit not resulting in inpatient admission
Part B excess charges	Covered	Not covered
Part B deductible ($283 in 2026)	You pay it	You pay it
Prescription drugs	Add a Part D plan	Add a Part D plan

So which one fits?

There's no universal "better" plan here — there's only the one that fits you. A reasonable way to think about it:

• Plan G tends to suit people who want the most predictable costs and would rather pay a little more each month than think about copays or excess charges. You trade a higher premium for fewer variables.
• Plan N can suit people who are comfortable with its office and emergency-room copays and the possibility of Part B excess charges. Compare the actual premium difference with those potential costs, and ask providers whether they accept Medicare assignment.

The math depends on how often you expect to use care, the premiums available where you live in Florida, and your own comfort with predictability versus a lower monthly bill. Premiums vary by company and by your area, so the only way to know your real numbers is to compare actual options.

Quick questions, quick answers

Still deciding between Advantage and a supplement? Start with Medicare Advantage vs. Medigap, or visit the homepage →.