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
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.
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.
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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.
Refined reference build of Tool 2. Logic & copy are the verified deliverable, carried over verbatim from the prototype (Medicare.gov / CMS + Fact Log, June 2026). Rebuild in Astro with real Brevo + analytics + server validation; this file is the behavior + design spec.
buildBet() considers every entered plan — never just the first pair. When Plan N's premium ≤ HD-G's, N has lower premium AND lower realistic exposure, so the tool surfaces that and reframes the live choice as N vs. G. Preserved verbatim.ANNUAL, tied to the Fact Log#fernLink currently /fern; confirm the canonical Fern member-page URL. This is the conversion action.// STUB in submitKeepCopy(); POST email (+ the entered quotes/result) to Brevo, tag to the lead-gen track, ideally email the comparison. Validate server-side too.track() fires calculator_opened, show_my_numbers, consult_fern_clicked, keep_copy_submitted. Wire to the chosen convention.aria-live calc result, AA contrast, clean single-column mobile reflow.