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Medicare Plan F vs Plan G vs Plan N

When you compare Medicare Plan F vs Plan G vs Plan N, you can see why these are the most popular Medicare Supplement plans. If you’re like most people, you want your policy to cover as many of your healthcare costs as possible, without breaking the bank. Because we understand Medicare is always changing, we update our content regularly. The more relevant your information, the easier it’ll be to make the best choice. In this context, we’ll discuss the differences in Plan F vs Plan G vs Plan N.

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What’s the Difference Between Medicare Plan F vs Plan G vs Plan N

When comparing Plan F vs Plan G vs Plan N, you’ll notice they provide similar coverage. Note that all premiums are different per state and carrier, but the benefits remain the same. With Plan F, you’ll have zero out of pocket costs outside your monthly premium.

This is because it’s a first-dollar coverage plan. This means the first dollar is covered by Medicare. You have no deductible, no coinsurance, and no copays. All you have to pay is your monthly premium.

With a Plan G, the only cost you have to pay out of pocket is the Part B deductible. After you’ve met the deductible, Plan G will cover the rest, just like Plan F.

Then there’s Plan N. Plan N is great for those that are okay paying a small copay when they visit the doctors or hospital. These small copays keep the monthly premium low. If you find yourself going to the doctor’s office often, you may want to consider Plan G. You’ll also be responsible for any excess charges under Part B. However, these charges are not common. Some states don’t even allow them.

With Medigap plans, the benefits are standardized by the federal government. Meaning, it doesn’t matter which carrier you choose to enroll with, the benefits across each letter plan are exactly the same. So, if you like Plan G the most, the benefits will not change, no matter what carrier you go with.

Plan F vs Plan G vs Plan N Costs Comparison Chart

Which is Better Medicare Supplement Plan F vs Plan G?

When it comes to coverage, Plan F will give you the most coverage since it’s a first-dollar coverage plan and leaves you with zero out-of-pocket costs. However, when it comes to the monthly premium, if you think lower is better, then Plan G may be better for you. So, the answer to the question depends on you.

What do you consider better? More benefits, or a lower monthly premium. Depending on when you first became eligible for Medicare, you may not be eligible for Plan F. Therefore, the better option for you could be Plan G, or maybe Plan N.

Which is Better Medicare Supplement Plan G vs Plan N?

When you compare Plan G vs Plan N, you’ll see that Plan G comes with more coverage. However, Plan N will come with a lower monthly premium. In exchange for a lower monthly premium, you agree to pay small copays when visiting the doctor or hospital.

So, if you prefer to pay out less as you use the benefits, then Plan G may be better since you won’t have any copays when visiting the doctor or hospital. If you prefer to have a lower premium and pay more out-of-pocket over time, then the Plan N benefits may be better for you.

According to the American Association for Medicare Supplement Insurance, in 2021, almost 55% of 65-year-old applicants chose Plan G and 36.5% chose in Plan N.

How Do I Change from One Medigap Plan to Another?

The good thing about Medigap plans is there’s no Annual Enrollment Period like there is with Original Medicare. You can enroll or change plans at any time. The best time to enroll is during the Medigap Open Enrollment Period during this time carriers can’t deny you coverage or charge you more in monthly premiums due to pre-existing health conditions.

Outside this enrollment window, you can still enroll or change your plan. But, you may need to answer health questions first. There are times when you’re eligible for Guarantee Issue Rights, in which case you could change plans without underwriting. The plans you’re eligible to enroll in, depend on when you became Medicare eligible.


What is the most common Medicare Supplement plan?
In recent years, the most popular Medicare Supplement plan has been Plan F. However, Plan N is quickly gaining popularity. Plan G is not too far behind.
Is Plan F the best Medicare Supplement plan?
Plan F is the plan that will give you the most comprehensive coverage. So, in regards to coverage, yes, Plan F is the best Medicare Supplement plan since it gives you the most coverage. Medicare changes eliminated all first-dollar coverage plans to newly eligible beneficiaries.
Can I change from a Medicare Advantage plan to Plan G, Plan N, or Plan F?
Yes, you can change from a Medicare Advantage plan to a Medigap with Guarantee Issue Rights during the first 12 months of enrolling in a Medicare Advantage plan. After that, you may need to wait until the Annual Enrollment Period to switch.

How to Compare Medigap Plan N vs Plan F vs Plan G

It’s important to understand all your Medicare Supplement plan options to find the best plan for your individual needs. At MedicareFAQ, we help you choose the Medigap policy that’s best for you. Since we work with almost all carriers, we can provide you with unbiased options so that you can get the most affordable supplement plan with the best coverage. We’ll answer all your questions and help you get a policy that works for you. Give us a call at the number above. If you prefer, you can use our online rate comparison tool to see what plans are available in your area now.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

14 thoughts on “Medicare Plan F vs Plan G vs Plan N

    1. Hi Margaret – we are assuming you may have a Medicare Advantage plan with SilverSneakers or similar coverage. We recommend contacting your plan’s carrier to inquire about which local gyms are included in your coverage.

  1. I am on plan F. I could go to plan G and save some money but wonder if this will be cost effective in the long term if deductibles for G go way up. Given plan F no longer available should I stay on F as I am already on it?

    1. Hi Antonius – we recommend that each year, you compare what you would spend annually on Plan G to what you currently spend on Plan F. If by switching to Plan G, you would be saving more than the Part B deductible costs for the year (for example, if your premium savings for the year wouldn’t at least equal next year’s deductible of $233), you may want to consider switching. However, keep in mind that if you want to go back to Plan F, you may need to go through medical underwriting and answer health questions.

  2. I will be receiving Medicare as of 2/1/2020. I have to get a prescription plan in place and I’m do confused with the information. Coukd u please assist me. I would appreciate it very much.

    1. Hi Patricia! Yes, of course, we can help you. Give us a call at your earliest convenience so we can go over your options.

    1. Hi Mike! There are many different rating factors that come into place with premiums. It’s impossible to give you a quote by just knowing the state you live in. Give us a call and we can compare rates with all the carriers that are available in your area for you.

  3. Is it worthwhile to get the dental and vision supplemental coverage and if yes, is it better to go with Innovative F than to do G + supplemental dental and vision?

    1. Hi Evelyn! Since Medigap plans do not cover dental or vision, it’s best to add on a supplemental dental and vision plan. The only difference between Plan F & Plan G is the Part B deductible, which will be $198 in 2020. The better option depends on the monthly premium difference between Plan G and Plan F in your area. Example, if the Plan F premium in your area is $140, but the Plan G premium is $100, you end up spending $480 more over a 12-month period in premiums with Plan F just to have the Part B deductible of $198 covered. However, this could not be the case in another area. If you use our rate form, we can compare both plan rates in your area side by side to see which plan is more cost-efficient for you.

  4. Both my husband and I have supplemental plan F now. If we keep it for 2020 but decide to change to plan G in 2021, will we have to answer health questions before we can switch?

    1. Hi Cheri! Yes, you would have to answer health questions before you can switch. Our team can help you with the process when you’re ready!

  5. I have pretty much decided that I want a Plan F (or possibly Plan G) for our (my wife Cheryl and I) supplemental Medicare insurance. We will both be turning 65 in September 2019. I couple of issues for us to consider. 1) We will be splitting time between Cobb county GA and Beaufort county SC – so we need a plan/carrier where we will be covered in both places. 2) I am very interested in Silver Sneakers, so we need a plan/carrier that would cover this in both locations. Thanks, John

    1. Hi John! To answer your questions… 1) All Medigap plans will cover you across all 50 states 2) Some carriers do offer SilverSneakers in their Medigap plans, but this varies across states. Your best option is to talk to one of our agents so they can research the plans in your area that include SilverSneakers in both states.


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