Medigap Plan G and Plan N cover nearly the same bills. Both leave you paying the 2026 Part B deductible of $283, and both cover the $1,736 hospital deductible and the 20% Part B coinsurance. The difference is Plan N’s copays (up to $20 for some office visits and up to $50 for an ER visit that doesn’t lead to an admission) and Part B excess charges. In this video: what each plan covers, how often excess charges really happen, a simple break-even test for the premium gap, and why switching plans later can mean answering health questions.
Sources:
Compare Medigap plan benefits (Medicare.gov):
2026 Medicare Parts A & B premiums and deductibles (CMS):
Physician participation in Medicare (KFF):
General information, not personalized financial advice.
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