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If you are on Original Medicare, you already know it does not cover everything. Between deductibles, coinsurance, and copays, your out-of-pocket costs can add up quickly. That is exactly why Medigap (Medicare Supplement Insurance) exists — to fill the gaps that Original Medicare leaves behind.

This guide is your central resource for understanding all 10 standardized Medigap plans. Whether you are turning 65 or helping a loved one navigate their options, this page will give you the complete picture.

What Is Medigap?

Medigap is supplemental insurance sold by private companies that helps pay for out-of-pocket costs that Original Medicare (Part A and Part B) does not fully cover. These costs include deductibles, coinsurance, and copayments.

Key facts about Medigap:

• Plans are standardized by the federal government — Plan G from one company covers the exact same benefits as Plan G from another
• You must have Original Medicare (Part A and Part B) to enroll
• Medigap does not include prescription drug coverage — you need a separate Part D plan
• You can see any doctor who accepts Medicare — no network restrictions
• Premiums vary by carrier, location, age, and gender — even though benefits are identical

All 10 Standardized Medigap Plans at a Glance

There are 10 standardized Medigap plans, each identified by a letter:

*Plans C and F are only available to those who became Medicare-eligible before January 1, 2020.
**Plan N charges copays of up to $20 for office visits and up to $50 for ER visits that do not result in admission.

Need help choosing the right Medigap plan?
Our licensed advisors compare rates from multiple carriers at no cost to you.

Call 1-888-781-6026 for a free plan comparison.

Understanding Each Plan

Plans A and B — The Basics

Plan A offers the core Medigap benefits: Part A coinsurance, Part B coinsurance, blood, and hospice care. It does not cover deductibles, skilled nursing, excess charges, or foreign travel.

Plan B adds Part A deductible coverage ($1,676 in 2025) to Plan A benefits. Still no skilled nursing, excess charges, or foreign travel coverage.

These plans have the lowest premiums but leave you exposed to more out-of-pocket costs.

Plans C and F — Legacy Comprehensive Plans

Important: Plans C and F are no longer available to anyone who became Medicare-eligible on or after January 1, 2020. If you were eligible before that date, you can still enroll.

Plan F was the most comprehensive Medigap plan ever offered — it covered everything, including the Part B deductible. Plan C covered everything except Part B excess charges.

A high-deductible version of Plan F is also available (annual deductible: $2,870 in 2025).

Plans D and G — The Popular Picks

Plan G is now the most popular Medigap plan in the country. It covers everything except the annual Part B deductible ($240 in 2025). After paying that one deductible, you have virtually zero out-of-pocket costs for Medicare-covered services.

Plan D is similar to Plan G but does not cover Part B excess charges. It is a solid choice in states where excess charging is rare.

A high-deductible version of Plan G is also available ($2,870 annual deductible in 2025).

Read our detailed Plan G vs. Plan N analysis for a deep dive on the two most popular options.

Plans K and L — Cost-Sharing Plans

Plan K covers most benefits at 50% and has an annual out-of-pocket limit of $7,220. Once you hit that limit, the plan pays 100% for the rest of the year.

Plan L covers most benefits at 75% with a lower out-of-pocket limit of $3,610.

These plans offer lower premiums in exchange for higher cost-sharing — a good fit if you want catastrophic protection on a budget.

Plans M and N — Budget-Friendly Options

Plan M covers the Part A deductible at 50% and does not cover Part B excess charges or the Part B deductible. It includes foreign travel emergency coverage.

Plan N is the second most popular Medigap plan. It covers nearly everything Plan G covers, with two differences: no Part B excess charge coverage and small copays (up to $20 for office visits, up to $50 for ER visits not resulting in admission).

Plan N premiums are typically $20-40/month less than Plan G, making it attractive for healthy, budget-conscious beneficiaries.

Medigap vs. Medicare Advantage

Medigap and Medicare Advantage are two very different approaches to Medicare coverage. You cannot have both at the same time.

• Medigap works with Original Medicare — you see any doctor who accepts Medicare, anywhere in the country. You pay a monthly premium for predictable, comprehensive coverage.
• Medicare Advantage replaces Original Medicare with a private plan that often includes drug coverage, dental, and vision. However, you are limited to a provider network and face varying copays and out-of-pocket maximums.

Learn more in our Medicare Advantage guide.

When Can You Enroll in Medigap?

Your best opportunity is your Medigap Open Enrollment Period — the 6-month window that starts the month you turn 65 and are enrolled in Medicare Part B. During this period:

• Insurance companies cannot deny you coverage
• They cannot charge you more due to health conditions
• You have guaranteed issue rights to any Medigap plan sold in your state

After this window closes, insurers can use medical underwriting — meaning they can deny coverage or charge higher premiums based on your health history.

How to Choose the Right Plan

Ask yourself these questions:

• How often do I see doctors? — Frequent visitors benefit from Plan G comprehensive coverage
• Is my budget tight? — Plans N, K, or L offer lower premiums with more cost-sharing
• Do my doctors accept Medicare assignment? — If yes, Plan N excess charge gap is not an issue
• Do I travel internationally? — Plans C, D, F, G, M, and N include foreign travel emergency coverage
• Do I want maximum predictability? — Plan G gives you the most predictable costs

Get Expert Help Choosing Your Medigap Plan

With 10 plans and dozens of carriers, finding the right Medigap plan can feel overwhelming. Our licensed advisors at eMedicareGuide.com compare rates across multiple insurance companies to find your best fit — and our service is 100% free.

Ready to find your perfect Medigap plan?
Call 1-888-781-6026 or Get a Free Quote Online

A cancer diagnosis is overwhelming enough without worrying about money. If you are on Medicare, the good news is that most cancer treatments are covered. The not-so-good news? Medicare does not cover everything — and the gaps can add up fast.

That is where a cancer insurance policy comes in. This guide explains what Medicare covers when it comes to cancer treatment, where the financial gaps are, and how a supplemental cancer policy can provide a crucial safety net.

What Cancer Treatments Does Medicare Cover?

Medicare provides solid coverage for medically necessary cancer care across its different parts:

Medicare Part A (Hospital Insurance)

• Inpatient hospital stays for surgery, chemotherapy, or radiation
• Inpatient skilled nursing facility care after a hospital stay
• Hospice care for terminal diagnoses

Your cost: The Part A deductible is $1,736 per benefit period in 2026, plus coinsurance for extended stays.

Medicare Part B (Medical Insurance)

• Outpatient chemotherapy and radiation therapy
• Doctor visits and specialist consultations
• Diagnostic tests, lab work, imaging (CT scans, MRIs, PET scans)
• Certain cancer screenings (mammograms, colonoscopies, prostate screening)
• Durable medical equipment

Your cost: After the $283 annual deductible, you pay 20% coinsurance on all Part B services. For expensive treatments like chemotherapy, that 20% can be thousands of dollars.

Medicare Part D (Prescription Drugs)

• Oral chemotherapy drugs
• Anti-nausea medications
• Pain management prescriptions

Your cost: Copays vary by drug tier. The good news: the $2,100 annual out-of-pocket cap (new for 2025-2026) limits your total Part D spending.

Medicare Advantage (Part C)

Medicare Advantage plans cover everything Original Medicare covers, often with additional benefits. However, you must use in-network providers for most care, and out-of-pocket maximums can reach $9,250 per year.

Where Are the Financial Gaps?

Even with Medicare coverage, cancer treatment creates significant out-of-pocket costs:

• 20% Part B coinsurance — A $50,000 chemotherapy regimen means $10,000 out of your pocket
• Part A deductible — $1,736 per benefit period, potentially multiple times per year
• Extended hospital stays — Coinsurance kicks in after 60 days ($434/day in 2026)
• Transportation costs — Daily trips to treatment centers for weeks of radiation
• Home care and assistance — Medicare does not cover custodial care or help with daily activities
• Lost income — For beneficiaries still working, treatment schedules can reduce or eliminate income
• Lodging — If your treatment center is far from home
• Nutritional supplements and special diets — Often recommended but not covered

A Medigap plan can help cover the medical cost-sharing (deductibles and coinsurance), but it does not cover non-medical expenses like transportation, lost wages, or home care.

Worried about cancer treatment costs on Medicare?
Our licensed advisors can help you understand your coverage options.

Call 1-888-781-6026 for a free consultation.

How a Cancer Insurance Policy Fills the Gaps

A cancer insurance policy is a supplemental insurance plan that pays a lump-sum cash benefit directly to you if you are diagnosed with cancer. Unlike Medicare or Medigap, the money is not tied to specific medical bills — you can use it however you need.

At eMedicareGuide.com, we offer cancer policies ranging from $5,000 to $75,000. Here is how that cash benefit can help:

• Cover Medicare deductibles and coinsurance — Pay your Part A and Part B out-of-pocket costs
• Transportation to treatment — Gas, parking, ride services, or flights to specialized centers
• Home care assistance — Help with cooking, cleaning, and daily activities during recovery
• Replace lost income — Keep up with bills if you cannot work during treatment
• Cover non-medical essentials — Nutritional supplements, wigs, home modifications
• Reduce financial stress — Focus on healing instead of worrying about money

Who Should Consider Cancer Insurance?

A cancer insurance policy makes sense if you:

• Have a family history of cancer
• Want financial protection beyond what Medicare and Medigap cover
• Are concerned about non-medical costs during treatment
• Want a lump-sum payment you control — no claims to file for each expense
• Are on a fixed income and cannot absorb unexpected costs

Frequently Asked Questions

Can I get cancer insurance if I already have Medicare?

Yes. Cancer insurance is a supplemental policy that works alongside Medicare, Medigap, and Medicare Advantage plans. It does not replace your Medicare coverage — it adds to it.

How much does a cancer insurance policy cost?

Premiums depend on your age, the benefit amount you choose ($5,000 to $75,000), and your health history. Many policies are surprisingly affordable — often just a few dollars per day.

How does the payout work?

Most cancer insurance policies pay a one-time lump sum directly to you upon diagnosis of a covered cancer. You receive the full benefit amount regardless of your actual treatment costs, and you decide how to spend it.

Does cancer insurance cover pre-existing cancer?

Generally, no. Most cancer insurance policies do not cover a cancer that was diagnosed before the policy was purchased. However, some policies may cover a recurrence after a waiting period. Always read the policy terms carefully.

Protect Yourself — Get a Free Quote

Medicare covers a lot when it comes to cancer treatment, but it does not cover everything. A cancer insurance policy gives you a financial cushion exactly when you need it most — so you can focus on getting better, not on bills.

Get a free cancer insurance quote today
Call 1-888-781-6026 or Request a Quote Online

Choosing between Medigap Plan G and Medigap Plan N is one of the most common decisions Medicare beneficiaries face. These two plans consistently rank as the most popular Medicare Supplement options available today. Both offer strong coverage, but they differ in ways that can significantly impact your wallet and your peace of mind.

If you have already read our Plan N vs. Plan G overview, this article goes deeper with a full pros and cons breakdown so you can make the right call for your health needs and budget.

Quick Side-by-Side: Plan G vs. Plan N

The Pros and Cons of Medigap Plan G

Plan G Pros

• Most comprehensive coverage available — Plan G covers everything except the annual Part B deductible ($257 in 2025). After that one payment, you face virtually zero out-of-pocket costs for Medicare-covered services.
• Part B excess charge protection — If a doctor does not accept Medicare assignment, they can charge up to 15% above the Medicare-approved amount. Plan G covers 100% of those excess charges.
• No copays, ever — No $20 office visit copays, no $50 ER copays. Every covered visit is fully paid after your Part B deductible.
• Maximum predictability — Your only annual variable is the $257 Part B deductible plus your monthly premium.
• Ideal for frequent healthcare users — If you see specialists regularly, have chronic conditions, or want the security of knowing every bill is covered, Plan G delivers.

Plan G Cons

• Higher monthly premiums — At an average of ~$144/month for a 65-year-old, Plan G typically costs $20-40 more per month than Plan N.
• May overpay if healthy — If you rarely visit the doctor, you are paying for maximum coverage you might not use.
• Premium increases over time — Like all Medigap plans, premiums rise with age and inflation. Starting higher means those increases compound from a larger base.

The Pros and Cons of Medigap Plan N

Plan N Pros

• Lower monthly premiums — Typically $110-135/month at age 65, saving you $240-480 per year compared to Plan G.
• Still excellent coverage — Plan N covers the Part A deductible, skilled nursing facility coinsurance, foreign travel emergencies, and 100% of Part B coinsurance (with small copays).
• Copays are modest — The up-to-$20 office visit copay and up-to-$50 ER copay (waived if admitted) are manageable for most budgets.
• Great for healthy, active seniors — If you do not visit doctors frequently, the premium savings add up fast while you still have strong protection.
• Same network freedom — Like Plan G, Plan N works with any doctor who accepts Medicare. No restrictive networks.

Plan N Cons

• No Part B excess charge protection — This is the biggest coverage gap. If your doctor does not accept Medicare assignment, you could owe up to 15% above the approved amount.
• Copays add up for frequent visitors — Multiple specialist visits per month at $20 each can erode the premium savings.
• Less cost predictability — Between copays and potential excess charges, your annual costs are harder to forecast than Plan G.

Real-World Scenarios: Who Should Choose Which?

Choose Plan G If You…

• See multiple specialists or doctors regularly
• Have a chronic condition requiring ongoing treatment
• Want absolute cost predictability with zero surprise bills
• Live in an area where doctors commonly charge excess fees
• Value peace of mind over monthly savings

Choose Plan N If You…

• Are generally healthy and visit the doctor infrequently
• Want strong coverage but prefer lower monthly premiums
• Are comfortable with occasional small copays
• Your doctors all accept Medicare assignment (no excess charges)
• Want to invest the premium savings elsewhere

Not sure which plan fits your situation?
Our licensed Medicare advisors compare both plans using your specific doctors, medications, and budget — at no cost to you.

Call 1-888-781-6026 for a free, personalized comparison.

The Cost Calculation Most People Miss

Many seniors look only at the monthly premium difference. But the real comparison requires adding up total annual costs:

Plan G Total Annual Cost:
Monthly premium (~$144) x 12 = $1,728 + Part B deductible ($257) = ~$1,985/year

Plan N Total Annual Cost:
Monthly premium (~$120) x 12 = $1,440 + Part B deductible ($257) + copays (varies) + potential excess charges = ~$1,697-$1,900+/year

The gap narrows considerably once you factor in copays and excess charges. For someone with 4+ doctor visits per month, Plan G often costs the same or less than Plan N in total annual spending.

Can You Switch Between Plan G and Plan N?

Technically, yes — you can apply to switch Medigap plans at any time. However, outside of your Medigap Open Enrollment Period (the 6 months after you turn 65 and enroll in Part B), insurance companies can use medical underwriting. That means they can deny coverage or charge higher rates based on your health history.

The takeaway: Choose carefully during your initial enrollment window. It is much easier to start with the right plan than to switch later.

Frequently Asked Questions

Is Plan G worth the extra cost over Plan N?

For frequent healthcare users and those concerned about excess charges, yes. The premium difference is often $20-40/month, and the peace of mind plus excess charge protection can easily justify that cost.

Do many doctors charge Part B excess fees?

In most states, the vast majority of doctors accept Medicare assignment. However, it varies by location. In some areas, specialists may charge excess fees. Check with your providers before deciding.

What if I pick Plan N now and want Plan G later?

You can apply, but you will likely face medical underwriting. If your health has changed, you may be denied or charged a higher premium. This is why many advisors recommend starting with Plan G if you are on the fence.

Are Plan G and Plan N the same across all insurance companies?

Yes — Medigap plans are standardized by the federal government. Plan G from Company A covers the exact same benefits as Plan G from Company B. The only difference between carriers is the premium price and customer service.

Make the Right Choice — Get Expert Help

Both Plan G and Plan N are excellent Medigap options. The right choice depends on how often you see doctors, where you live, and whether cost predictability or premium savings matters more to you.

Our licensed advisors at eMedicareGuide.com help hundreds of seniors make this exact decision every week. We compare rates from multiple carriers to find your best fit — and our service is completely free.

Ready to compare Plan G and Plan N rates?
Call 1-888-781-6026 or Get a Free Quote Online

Prescription medications are a fact of life for most Medicare beneficiaries — and without the right coverage, those costs can add up fast. That is where Medicare Part D comes in. It is the part of Medicare specifically designed to help cover prescription drug costs.

But Part D can feel confusing with its coverage stages, formularies, and annual changes. This guide breaks it all down in plain English so you can make a smart choice about your Medicare Part D coverage.

What Is Medicare Part D?

Medicare Part D is a voluntary prescription drug benefit available to everyone enrolled in Medicare. It is offered through private insurance companies approved by Medicare — not through the government directly.

You can get Part D coverage in two ways:

• Standalone Prescription Drug Plan (PDP) — pairs with Original Medicare and a Medigap plan
• Medicare Advantage plan with drug coverage (MA-PD) — bundles Part D into your Medicare Advantage plan

What Does Part D Cover?

Part D plans cover a wide range of prescription medications, organized into a formulary (the plan list of covered drugs). Each plan formulary is different, so it is critical to verify that your specific medications are covered before enrolling.

Part D plans typically organize drugs into tiers:

• Tier 1 — Preferred generics (lowest cost)
• Tier 2 — Non-preferred generics
• Tier 3 — Preferred brand-name drugs
• Tier 4 — Non-preferred brand-name drugs
• Tier 5 — Specialty drugs (highest cost)

How Do the Coverage Stages Work?

Thanks to the Inflation Reduction Act, Medicare Part D coverage stages were simplified starting in 2025. Here is how they work in 2026:

Stage 1: Annual Deductible

You pay 100% of your drug costs until you reach the annual deductible of $615 in 2026. Some plans cover certain generic drugs before you meet the deductible.

Stage 2: Initial Coverage

After meeting your deductible, you pay 25% of drug costs and your plan pays 75%. This continues until your total drug costs reach a set threshold.

Stage 3: Catastrophic Coverage

Once your true out-of-pocket spending reaches the annual cap of approximately $2,150 in 2026, you pay $0 for covered drugs for the rest of the year.

What Happened to the Donut Hole?

Good news — the infamous Medicare donut hole (coverage gap) was eliminated as of January 1, 2025. Previously, beneficiaries faced a period where they paid a higher percentage of drug costs. Now, thanks to the Inflation Reduction Act, you move directly from the initial coverage period to catastrophic coverage with a hard out-of-pocket cap.

Key Part D Benefits for 2026

• $2,150 annual out-of-pocket cap — no more unlimited drug spending
• $35/month insulin cap — applies to all insulin products under Part D
• Free adult vaccines — all recommended vaccines covered at $0
• Medicare Prescription Payment Plan — spread your drug costs into predictable monthly payments throughout the year
• Drug price negotiation — Medicare can now negotiate prices on select high-cost drugs

How to Choose the Right Part D Plan

Not all Part D plans are created equal. Here is what to compare:

• Formulary coverage — Are your specific medications covered?
• Monthly premium — base premium averages around $41/month in 2026
• Pharmacy network — Is your preferred pharmacy included?
• Tier placement — Where do your drugs fall on the cost tiers?
• Star rating — Medicare rates plans 1-5 stars for quality and service

Need help finding the right Part D plan for your medications?
Call 1-888-781-6026 — our licensed advisors compare plans at no cost to you.

Can I Get Part D Through Medicare Advantage?

Yes. Most Medicare Advantage plans include Part D drug coverage. These are called MA-PD plans. If you enroll in a Medicare Advantage plan with drug coverage, you do not need a separate standalone Part D plan.

When to Enroll in Part D

• Initial Enrollment Period — 7-month window around your 65th birthday
• Annual Election Period — October 15 through December 7 each year
• Special Enrollment Periods — if you lose other creditable drug coverage

Important: If you delay enrollment without other creditable coverage, you may face a late enrollment penalty — an extra 1% of the national base premium for each month you were without coverage.

Frequently Asked Questions

Is Medicare Part D required?

No, but if you do not have other creditable drug coverage and delay enrolling, you will pay a permanent late enrollment penalty.

How much does Part D cost?

Premiums vary by plan and location. The 2026 national base premium is approximately $41/month, but actual premiums range from under $10 to over $100 depending on the plan.

Can I change my Part D plan?

Yes, during the Annual Election Period (October 15 – December 7) each year. Review your plan annually since formularies, premiums, and pharmacy networks can change.

Get Help Choosing the Right Part D Plan

The right Part D plan depends on your specific medications, your preferred pharmacy, and your budget. Our licensed advisors make the comparison easy.

Call 1-888-781-6026 for a free Part D plan comparison.

Or visit eMedicareGuide.com to get started.

If you are exploring your Medicare options, you have likely heard about Medicare Advantage — also known as Part C. These plans bundle your hospital coverage, medical coverage, and usually prescription drugs into a single plan from a private insurer. For many seniors, Medicare Advantage offers a streamlined, cost-effective alternative to Original Medicare.

But is it the right choice for you? This guide explains how Medicare Advantage works, what extra benefits it offers, and the important trade-offs to consider.

What Is Medicare Advantage (Part C)?

Medicare Advantage is an alternative way to receive your Medicare benefits. Instead of getting coverage directly from the federal government (Original Medicare), you enroll in a plan offered by a private insurance company approved by Medicare.

These plans must cover everything Original Medicare covers (Parts A and B) — and most plans include additional benefits that Original Medicare does not offer.

What Does Medicare Advantage Cover?

Every Medicare Advantage plan must cover:

• Medicare Part A — hospital stays, skilled nursing, hospice care
• Medicare Part B — doctor visits, outpatient services, preventive care

Most plans also include:

• Prescription drug coverage (Part D)
• Dental care — cleanings, exams, and sometimes major work
• Vision care — eye exams and eyeglasses allowances
• Hearing care — hearing tests and hearing aid coverage
• Fitness programs — gym memberships like SilverSneakers
• Telehealth services
• Over-the-counter allowances for health products
• Transportation to medical appointments

Types of Medicare Advantage Plans

• HMO (Health Maintenance Organization) — requires referrals for specialists and in-network care (except emergencies)
• PPO (Preferred Provider Organization) — more flexibility to see out-of-network providers at higher cost
• PFFS (Private Fee-for-Service) — determines how much providers are paid and what you owe
• SNP (Special Needs Plans) — designed for people with specific diseases, conditions, or limited incomes

Understanding Provider Networks

One of the biggest differences between Medicare Advantage and Original Medicare is the provider network. With Original Medicare, you can see any doctor or hospital that accepts Medicare — nationwide. With Medicare Advantage:

• HMO plans require you to use in-network providers (except emergencies)
• PPO plans let you go out-of-network but at higher costs
• If your preferred doctors are not in the plan network, you may need to switch providers or choose a different plan

Tip: Before enrolling, always verify that your current doctors and preferred hospital are in the plan network.

Medicare Advantage vs. Original Medicare + Medigap

This is the fundamental decision every Medicare beneficiary faces. Here is a simplified comparison:

For a deeper understanding of how Medigap plans work, read our complete guide to Medicare Supplement plans.

Who Is Medicare Advantage Best For?

Medicare Advantage can be a great fit if you:

• Want lower monthly premiums (many plans have $0 premiums beyond Part B)
• Prefer an all-in-one plan with drug, dental, vision, and hearing coverage
• Are comfortable using in-network doctors and hospitals
• Want an out-of-pocket maximum for financial protection
• Value extra perks like fitness programs and telehealth

Important Considerations

• Network restrictions — make sure your doctors and hospitals are covered
• Prior authorizations — some services require plan approval before treatment
• Annual plan changes — benefits, networks, and costs can change each year
• Switching back — if you leave Original Medicare for Medicare Advantage and later want to return, you may face medical underwriting for Medigap

Not sure which path is right for you?
Our licensed advisors compare both options side by side — at no cost.
Call 1-888-781-6026 for your free consultation.

How to Enroll in Medicare Advantage

You can enroll during:

• Initial Enrollment Period — 7-month window around your 65th birthday
• Annual Election Period — October 15 to December 7 each year
• Medicare Advantage Open Enrollment — January 1 to March 31 (for those already in a plan)

Frequently Asked Questions

Can I have Medicare Advantage and Medigap at the same time?

No. You cannot use a Medigap policy with a Medicare Advantage plan. You must choose one path or the other.

Do Medicare Advantage plans cover prescriptions?

Most do — these are called MA-PD plans. Always confirm drug coverage before enrolling.

Can I switch back to Original Medicare?

Yes, but timing matters. You can switch during the Annual Election Period or the Medicare Advantage Open Enrollment Period. However, getting a Medigap policy after leaving Medicare Advantage may require medical underwriting.

Find the Right Medicare Advantage Plan

Medicare Advantage offers powerful all-in-one coverage — but the right plan depends on your doctors, your medications, and your budget. Let our licensed advisors help you compare.

Call 1-888-781-6026 for a free Medicare Advantage plan comparison.

Or visit eMedicareGuide.com to explore your options.

If you have been researching Medicare Supplement insurance, one plan keeps coming up at the top of every list: Medigap Plan G. Since Plans C and F closed to new enrollees in 2020, Plan G has become the most comprehensive Medigap option available.

But what exactly does Part G Medicare cover? Who is it best for? And is it worth the premium? This guide answers every question you need.

New to Medigap? Start with our complete beginners guide to Medicare Supplement plans.

What Is Medigap Plan G?

Plan G is one of 10 standardized Medicare Supplement plans. It works alongside Original Medicare (Parts A and B) to cover out-of-pocket costs Medicare does not pay. Every Plan G policy offers the exact same benefits regardless of which insurance company sells it — the only differences are premium price and carrier reputation.

What Does Plan G Cover?

Plan G covers virtually everything Original Medicare leaves behind:

• Part A coinsurance and hospital costs — up to 365 additional days
• Part B coinsurance or copayment — the 20% you normally owe
• First three pints of blood
• Part A hospice care coinsurance
• Skilled nursing facility coinsurance — days 21-100
• Part A deductible — $1,676 in 2025
• Part B excess charges — up to 15% above Medicare-approved amounts
• Foreign travel emergency — 80% coverage outside the U.S.

The One Gap in Plan G

Plan G covers everything except the annual Part B deductible ($240 in 2025). Once you pay that, you have virtually zero out-of-pocket costs for Medicare-covered services the rest of the year.

What Plan G Does Not Include

• Prescription drugs — you need a separate Medicare Part D plan
• Dental, vision, and hearing — standalone plans start around $32/month
• Long-term or custodial care
• Private-duty nursing

Who Is Plan G Best For?

Plan G is ideal if you want:

• Maximum predictability — only cost is the $240 Part B deductible plus your monthly premium
• Protection from surprise bills — including Part B excess charges
• Freedom to see any doctor who accepts Medicare, nationwide
• Peace of mind for chronic conditions — no copays for visits or specialists

Want to see Plan G rates in your area?
Call 1-888-781-6026 for a free, no-obligation comparison.

How Much Does Plan G Cost?

Premiums vary based on your age, location, carrier, tobacco use, and pricing method. As a general range, Plan G premiums run $100 to $300 per month for a 65-year-old, with a national average around $144/month.

High-Deductible Plan G

Some carriers offer a High-Deductible Plan G with lower premiums and a $2,870 annual deductible (2025). Once met, coverage works exactly like standard Plan G.

Plan G vs. Other Popular Plans

Plan G vs. Plan N

Plan N has lower premiums but includes copays ($20 office visits, $50 ER without admission) and does not cover Part B excess charges. Read our detailed Plan N vs. Plan G comparison.

Plan G vs. Plan F

Plan F covers the Part B deductible that Plan G does not — but is only available to those Medicare-eligible before January 1, 2020.

How to Enroll

The best time is your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 and are enrolled in Part B. During this period: no medical underwriting, no health questions, guaranteed acceptance.

Frequently Asked Questions

Is Plan G the best Medigap plan?

For most new Medicare beneficiaries, yes — it offers the most comprehensive coverage available since Plans C and F closed to new enrollees.

Does Plan G cover prescriptions?

No. You need a separate Medicare Part D plan.

Can I use Plan G with any doctor?

Yes — any doctor or hospital accepting Medicare accepts your Plan G policy nationwide.

Will my premium increase?

Most likely yes, due to age and medical inflation. Starting with a strong carrier helps minimize increases.

Get Your Personalized Plan G Quote

Plan G is the gold standard of Medicare Supplement coverage. The only question is which carrier offers the best rate for you.

Call 1-888-781-6026 to compare Plan G rates from top carriers — free and no obligation.

Or visit eMedicareGuide.com for your personalized quote.

When it comes to choosing a Medicare Supplement (Medigap) plan, two options consistently rise to the top: Plan G and Plan N. Both offer strong coverage that fills the gaps left by Original Medicare — but they do it differently, and the right choice depends on your health needs, budget, and how often you visit the doctor.

In this head-to-head comparison, we will break down the differences in coverage, costs, and the pros and cons of each plan so you can make a confident, informed decision about your medicare plan n vs plan g options.

Already familiar with the basics? Great. If not, start with our Medigap Explained: A Beginners Guide for a full overview of how Medicare Supplement plans work.

What Do Plan G and Plan N Have in Common?

Before diving into the differences, it helps to know that Plan G and Plan N share a strong foundation of coverage. Both plans cover:

• Medicare Part A coinsurance and hospital costs (up to 365 additional days after Medicare benefits are used)
• Medicare Part B coinsurance or copayment
• First three pints of blood
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible ($1,676 in 2025)
• 80% of foreign travel emergency care

That is a significant amount of shared coverage. The differences — while important — come down to a few specific areas.

Key Differences Between Plan G and Plan N

Plan G: The Pros and Cons

Pros of Plan G

• Most comprehensive coverage available to new Medicare beneficiaries (post-2020)
• No copays for doctor visits or ER trips
• Part B excess charges covered — protects you if a doctor charges more than the Medicare-approved amount
• Maximum predictability — your only out-of-pocket cost is the annual Part B deductible ($240)

Cons of Plan G

• Higher monthly premiums — typically $30-50 more per month than Plan N
• Does not cover the Part B deductible — you will pay $240 per year out of pocket

Plan N: The Pros and Cons

Pros of Plan N

• Lower monthly premiums — can save $360-600+ per year compared to Plan G
• Strong core coverage — covers the same major benefits as Plan G
• Copays are small and capped — max $20 per office visit, $50 per ER visit without admission

Cons of Plan N

• Part B excess charges not covered — if your doctor does not accept Medicare assignment, you could pay up to 15% more
• Small copays add up — frequent doctor visits mean more out-of-pocket spending
• Less predictable costs than Plan G

Who Should Choose Plan G?

Plan G is the right fit if you:

• See specialists or doctors frequently
• Want the most predictable, worry-free coverage
• Live in a state where excess charges are common
• Have chronic conditions requiring regular medical attention
• Value peace of mind over saving a few dollars monthly

Who Should Choose Plan N?

Plan N makes more sense if you:

• Are generally healthy and visit the doctor infrequently
• Want to keep monthly premiums as low as possible
• Live in a state that limits or prohibits excess charges (like Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, or Vermont)
• Are comfortable with small, predictable copays at office visits

Real-World Scenarios

Scenario 1: Margaret, Age 67 — Frequent Doctor Visits

Margaret manages diabetes and high blood pressure. She sees her primary care doctor monthly and visits specialists quarterly. With 16+ doctor visits per year, Plan N copays would cost her $320+ annually on top of her premium. Plan G saves Margaret money and stress — she pays her Part B deductible once and nothing else.

Scenario 2: Robert, Age 66 — Healthy and Active

Robert is in excellent health, exercises daily, and sees his doctor twice a year for checkups. His Plan N copays would total about $40 annually. With the premium savings of $400+ per year, Plan N is the clear winner for Robert.

Frequently Asked Questions

Can I switch from Plan N to Plan G later?

You can apply to switch anytime, but outside your Medigap Open Enrollment Period, you will likely face medical underwriting. If your health has changed, approval is not guaranteed. This is why many advisors recommend starting with Plan G if you are on the fence.

Do all doctors accept Medicare assignment?

Most do — over 97% of physicians accept Medicare. But if yours does not, Plan G protects you from excess charges while Plan N does not.

Is Plan G worth the extra cost?

It depends on how often you use healthcare. If you see doctors frequently or have chronic conditions, the extra $30-50 per month often pays for itself in avoided copays and excess charge protection.

Ready to Compare Plans and Rates?

The best plan for you depends on your health, your doctors, and your budget. At eMedicareGuide.com, our licensed agents compare rates from top carriers to find your best fit — at no cost to you.

Call 1-888-781-6026 for a free, personalized Medicare Supplement comparison

Or visit eMedicareGuide.com to get your quote today.

If you are new to Medicare, you have probably discovered an uncomfortable truth: Original Medicare does not cover everything. Between deductibles, coinsurance, and copayments, the out-of-pocket costs can add up fast — especially if you are managing ongoing health conditions or facing an unexpected hospital stay.

That is exactly where Medicare Supplement plans — commonly known as Medigap — come in. These private insurance policies are designed to fill the financial gaps that Original Medicare leaves behind, giving you more predictable healthcare costs and greater peace of mind.

In this guide, we will walk you through everything you need to know about medicare supplement plans: what they are, how they work alongside Original Medicare, who is eligible, and how to choose the right plan for your needs.

What Is Medigap (Medicare Supplement Insurance)?

Medigap is supplemental health insurance sold by private companies that helps pay for costs that Original Medicare (Part A and Part B) does not fully cover. These include:

• Copayments — your share of the cost for a doctor visit or service
• Coinsurance — the percentage you owe after Medicare pays its part (typically 20% under Part B)
• Deductibles — the amount you pay before Medicare starts covering costs

Important: Medigap policies do not include prescription drug coverage. For that, you will need a separate Medicare Part D plan.

How Does Medigap Work With Original Medicare?

Think of Medigap as a financial safety net layered on top of Original Medicare. Here is how the process works when you receive medical care:

1. You visit a doctor or hospital that accepts Medicare.
2. Medicare Part A or Part B pays its share of the approved amount.
3. Your Medigap policy kicks in and pays some or all of the remaining costs — depending on which plan you have.

Because Medigap plans are standardized by the federal government, a Plan G from one insurance company covers exactly the same benefits as a Plan G from another. The only differences between carriers are the premium price, customer service, and financial stability of the company.

This standardization makes comparison shopping straightforward — you are comparing price, not benefits.

Who Is Eligible for a Medigap Plan?

To enroll in a Medigap plan, you must:

• Be enrolled in both Medicare Part A and Part B
• Live in the service area of the plan you are applying for

The Medigap Open Enrollment Period

Your Medigap Open Enrollment Period is the single most important window for securing coverage. It lasts 6 months, starting the month you turn 65 and are enrolled in Medicare Part B.

During this period:

• Insurance companies cannot deny you coverage for any reason
• They cannot charge you more due to pre-existing health conditions
• You have guaranteed issue rights — meaning you can enroll in any Medigap plan available in your state

If you miss this window, insurers can use medical underwriting to decide whether to sell you a policy and how much to charge. Translation: it gets more expensive and harder to qualify. Do not let this deadline slip by.

What Do Medigap Plans Cover? A Comparison Chart

There are 10 standardized Medigap plans, each labeled with a letter: A, B, C, D, F, G, K, L, M, and N. Plans C and F are no longer available to people who became eligible for Medicare on or after January 1, 2020.

*Plans C and F are only available to those who became Medicare-eligible before January 1, 2020.
**Plan N pays 100% of Part B coinsurance except up to $20 for office visits and up to $50 for ER visits that do not result in admission.

Which Medigap Plan Is Most Popular?

Plan G — Maximum Coverage

Medigap Plan G is the most comprehensive plan available to new Medicare beneficiaries. It covers everything except the annual Part B deductible ($240 in 2025). For people who want the most predictable costs with virtually no surprise bills, Plan G is the gold standard.

Plan N — Lower Premiums, Small Copays

Medigap Plan N offers slightly less coverage in exchange for lower monthly premiums. You will pay small copays — up to $20 for office visits and up to $50 for ER visits that do not result in admission. Plan N also does not cover Part B excess charges. For healthy individuals who do not visit the doctor frequently, Plan N can save hundreds per year.

Medigap vs. Medicare Advantage

It is important to understand that Medigap and Medicare Advantage (Part C) are two different paths:

• Medigap works with Original Medicare — you keep Parts A and B and add a supplement on top
• Medicare Advantage replaces Original Medicare — you get Part A and B coverage through a private insurer, often with added benefits like dental and vision

You cannot have both a Medigap plan and a Medicare Advantage plan at the same time.

Frequently Asked Questions

Can I buy Medigap if I am under 65?

It depends on your state. Some states require insurers to sell Medigap to people under 65 who are on Medicare due to disability. Check your state rules or call us at 1-888-781-6026 for guidance.

Does Medigap cover prescription drugs?

No. You will need a separate Medicare Part D plan for prescription drug coverage.

Can I switch Medigap plans later?

You can apply to switch anytime, but outside your Open Enrollment Period, you may face medical underwriting. Some states offer additional protections — we can help you understand your options.

Is Medigap worth the cost?

For many seniors, absolutely. A single hospital stay under Original Medicare alone can cost thousands in deductibles and coinsurance. Medigap turns those unpredictable costs into a manageable monthly premium.

Ready to Find the Right Medicare Supplement Plan?

Choosing a Medigap plan does not have to be overwhelming. At eMedicareGuide.com, our licensed agents help you compare plans and rates from top carriers — at no cost to you.

Call 1-888-781-6026 for a free, no-obligation consultation

Or visit eMedicareGuide.com to compare Medicare Supplement plans and get a personalized quote today.