Popular Medicare Supplement Plans

Medicare Supplement (Medigap) insurance plans help you bridge the gaps in Original Medicare. However, with many plans and many companies who sell them, it can be hard to know which policy is best for you.

Many beneficiaries and agents consider Plans G and N to be the best Medicare Supplement plans because they leave you with very little to pay out of pocket.

There are many similarities between Medigap Plan N and Plan G, but they are different. Manatee Insurance Solutions explains the similarities and differences so you can make an informed decision.

What These Plans Cover

As a reminder, here is what Plans G and N cover:

Plan G:

  • 100% of the Part A coinsurance and hospital costs
  • 100% of the Part B coinsurance or copayment
  • 100% of blood (first three pints)
  • 100% of the Part A hospice care coinsurance or copayment
  • 100% of the skilled nursing facility coinsurance
  • 100% of the Part A deductible
  • 100% of the Part B excess charges
  • 80% of a foreign travel emergency (up to plan limits)

Plan N:

  • 100% of the Part A coinsurance and hospital costs
  • 100% of the Part B coinsurance or copayment 
  • 100% of blood (first three pints)
  • 100% of the Part A hospice care coinsurance or copayment
  • 100% of the skilled nursing facility coinsurance
  • 100% of the Part A deductible
  • 80% of a foreign travel emergency (up to plan limits)
Ready For A Quote?
Get a quote with MIS

By submitting this form and providing this information, you agree that a Manatee Insurance Solutions authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. This is a solicitation for insurance. Your information will be used only by Manatee Insurance Solutions representatives and not be distributed, shared or sold.

How Are Plans G and N Similar?

  • Both cover the Medicare Part A deductible.
  • Both do NOT cover the Medicare Part B annual deductible.
  • Both cover skilled nursing facility/care, hospitalization, blood, foreign travel, and hospice care. 
  • If you enroll in either plan during your Medigap Open Enrollment Period or you have a guaranteed-issue right, you don’t have to answer any health questions.

What Is the Main Difference Between G and N?

Medigap Plan N offers the same benefits as Plan G except for the Part B excess charges. And, Plan N covers the Part B coinsurance or copayments, except for copays of up to $20 for some visits to the doctor, and up to $50 for visits to the ER (that don’t cause you to be admitted as an inpatient).

Get all of your options
What Are Excess Charges?

Medicare excess charges fall under the doctor/outpatient part of Medicare, which is Part B. In most states, a doctor/medical provider has the option of charging up to 15% above the Medicare-approved amount — called excess charges — that are billed directly to you unless you have a Medigap Plan (like G) that pays them for you. 

So, how common are Part B excess charges? It will depend on your area of the country. These charges tend to be more common in urban or areas with higher costs of living, and occur more often when a patient visits a specialist.

If you see a doctor regularly and have one that charges excess charges, it may be beneficial to enroll in Medigap Plan G.

Let Manatee Insurance Solutions Help

Whether you live in Florida or another state, or you travel full-time in your RV, we understand your health needs. Manatee Insurance Solutions will consider your health profile, lifestyle, and budget to help you choose between Plan G and Plan N, or we can suggest another Medicare plan that suits you best. Call 352-221-3779 today!

(352) 221-3779

Locations We Serve

MEDICARE DISCLOSURE: This is a public-facing website accessible to all. Our scope of support is limited to the geographic locations (states and in some cases counties) where we serve clients, and the carriers we hold active appointments. We may not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.

Plans are insured or covered by Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan in your area. Please contact medicare.gov or 1-800-Medicare to get information on all your options.