Medigap Plan Comparison
Plan G, High-Deductible G, or Plan N — which way of paying fits you?
If you've decided on a Medigap policy, the next question feels technical — Plan G, High-Deductible Plan G, or Plan N? It's simpler than it looks. There's no "best" one; there's the one that fits how you'd rather pay.
The part nobody tells you plainly: these are the same coverage. Medigap plans are standardized by law — every insurer's Plan G covers exactly what every other Plan G covers. So the choice isn't about what's covered. It's about two things, and we keep them separate below: what you pay every month (premium), and what you pay only when you get care.
The shape of the trade
Standard Plan G
Plan N
High-Deductible Plan G
Have your quotes? See it in your own dollars
Premiums vary a lot by age, state, and insurer, so enter the monthly premiums you've actually been quoted. We'll fill the same two rows — premium and care — with your numbers, and show the bet as a figure. Leave any blank to skip it; this is optional.
* "Excess charges" are when a provider bills up to 15% above Medicare's approved amount. They're uncommon — about 97% of providers accept Medicare's rate — and eight states ban them entirely. You can avoid them by asking whether a provider accepts Medicare assignment.
You can see the trade-off. Now what?
The numbers narrow it down, but the right call depends on your health, your savings, and how you feel about a surprise bill — a conversation, not a calculation.
Ask Fern something like
Consult further with Fern✓ On its way. Check your inbox — and your spam folder, just in case.
Common questions about Medicare Supplements
What's the difference between Plan G and Plan N?
Both are Medigap plans that pay most of what Original Medicare doesn't. Plan G covers nearly everything after the Part B deductible; Plan N has a lower premium but leaves you small copays at some visits and the ER, and doesn't cover the rare “excess charges.” The trade is a lower monthly cost against a little more you pay as you go.
What is High-Deductible Plan G?
It's the same coverage as standard Plan G, but you pay a much lower premium and cover your own costs up to a yearly deductible before it kicks in. It suits people who want catastrophic protection at the lowest monthly cost and can handle the deductible in a bad year.
Are all Plan G policies the same?
The coverage is, because Medigap is standardized by law. What differs between companies is the premium and how they raise it over time, plus customer service — which is why it's worth comparing rather than assuming they're identical.