Medicare 101 Series
Medicare · Supplement Plans
Medicare Supplement Plans,
Side by Side
Medicare Supplement (Medigap) plans fill the gaps in Original Medicare — deductibles, co-insurance, and copays. The plans are standardized across carriers, so Plan G from one company covers the same as Plan G from another. The only thing that varies between carriers is price and service.
Here are the most common options and how they compare.
Plan G
$100–$300/mo
Everything except the Part B deductible ($283 in 2026). After that, most services are 100% covered.
Best for
The standard choice for new Medicare enrollees who want maximum coverage.
Plan N
$80–$200/mo
Same as Plan G except: $20 copay per office visit, $50 ER copay (waived if admitted), and doesn't cover Part B excess charges.
Best for
Healthier enrollees who want lower monthly cost and can handle occasional copays.
Plan F
$130–$350/mo
Covers absolutely everything — including the Part B deductible. Not available to anyone who became Medicare-eligible after 2020.
Best for
People already on Plan F who became eligible before 2020 and want first-dollar coverage.
High Deductible G
$40–$80/mo
Plan G benefits but you pay a high deductible first ($2,950 in 2026). After that, full coverage like Plan G.
Best for
People who rarely visit doctors and want the lowest possible premium with catastrophic protection.
Coverage at a Glance
Standardized across every carrier. Plan G from Carrier A covers identically to Plan G from Carrier B — only price varies.
| Benefit | Plan G | Plan N | Plan F | High Ded. G |
|---|---|---|---|---|
| Part A hospital coinsurance + 365 extra days | after ded. | |||
| Part B coinsurance / copayPlan N has $20 office / $50 ER copays | after ded. | |||
| Blood (first 3 pints) | after ded. | |||
| Hospice coinsurance | after ded. | |||
| Skilled nursing coinsurance | after ded. | |||
| Part A deductible | after ded. | |||
| Part B deductible$283 in 2026 | ||||
| Part B excess charges | after ded. | |||
| Foreign travel emergency (up to plan limits) | after ded. |
High Deductible Plan G deductible in 2025
The trade-off for HDG's much lower premium. You pay the first $2,870 in covered costs each year before the plan kicks in — then it pays like a regular Plan G.
About these rates: Premiums vary widely by state, age, gender, tobacco use, and carrier. The ranges above are typical 2025 examples for a non-smoker enrolling at 65. Get specific quotes for your situation — Plan G from one carrier might cost $130/mo while another carrier prices the same plan at $250/mo for the exact same coverage.
Want quotes from multiple carriers?
We pull quotes from every major Medigap carrier — so you compare exact premiums for the same plan side by side, not just one company's pitch.
Common questions
What does Medigap Plan G cover?
Everything Original Medicare leaves behind except the Part B deductible. It is the most popular choice for people signing up today.
Is Plan N cheaper than Plan G?
Yes. You trade a lower premium for small copays at the doctor and emergency room, and you can be billed a Part B excess charge by some providers.
Can I still get Plan F?
Only if you were eligible for Medicare before January 1, 2020. Newer enrollees choose between G, N, and High Deductible G.
Keep Reading
More in Medicare
Sources
medicare.gov/medigap · cms.gov
Educational content only. Not financial advice. Rate ranges are general examples and vary by carrier, state, age, gender, and tobacco use. Consult a licensed professional for quotes specific to your situation.