2026 Side-by-Side Comparison
Medicare Plan G vs Plan N: Which Is Right for You?
Plan G and Plan N are the two most popular Medicare Supplement plans in Florida. The difference comes down to copays vs. premium savings — and the math is simpler than you think.
Independent broker — FL license #W690237 — no carrier bias
Quick answer
Plan G costs $25–$40 more per month than Plan N. In exchange, Plan G eliminates the $20 office-visit copay, the $50 ER copay, and Part B excess charges. If you see your doctor fewer than 15–20 times per year and your providers accept Medicare assignment, Plan N almost always saves you money.
Plan G vs Plan N: Complete Coverage Comparison
Both plans are federally standardized — every carrier must offer identical benefits. Here is every coverage category, side by side:
| Coverage Category | Plan G | Plan N |
|---|---|---|
| Part A coinsurance & hospital costs | ✓ Covered | ✓ Covered |
| Part A deductible ($1,676 in 2026) | ✓ Covered | ✓ Covered |
| Part A hospice coinsurance | ✓ Covered | ✓ Covered |
| Part B deductible ($257 in 2026) | ✗ Not covered | ✗ Not covered |
| Part B coinsurance (20%) | ✓ Covered — no copay | ✓ Covered — up to $20 copay |
| Emergency room visits | ✓ No copay | ✓ Up to $50 copay (waived if admitted) |
| Part B excess charges | ✓ Covered | ✗ Not covered |
| Skilled nursing coinsurance (days 21–100) | ✓ Covered | ✓ Covered |
| Foreign travel emergency (80%) | ✓ Covered | ✓ Covered |
| Blood (first 3 pints) | ✓ Covered | ✓ Covered |
| Typical monthly premium (age 65, FL) | ~$120–$175 | ~$95–$145 |
The Break-Even Analysis
The decision between Plan G and Plan N is a math problem. Here is how to solve it:
Break-even formula:
Monthly premium difference ÷ copay per visit = break-even visits per month
Example: Plan G costs $35/month more than Plan N. The office visit copay is $20.
$35 ÷ $20 = 1.75 visits per month (21 per year) to break even.
If you see your doctor fewer than 21 times per year, Plan N saves you money. Most people see their doctor 4–8 times per year.
| Doctor visits per year | Plan G annual cost | Plan N annual cost | Plan N saves |
|---|---|---|---|
| 4 visits | $1,740 | $1,220 ($1,140 + $80 copays) | $520 |
| 8 visits | $1,740 | $1,300 ($1,140 + $160 copays) | $440 |
| 12 visits | $1,740 | $1,380 ($1,140 + $240 copays) | $360 |
| 20 visits | $1,740 | $1,540 ($1,140 + $400 copays) | $200 |
| 21+ visits | $1,740 | $1,560+ (break-even zone) | Plan G wins |
Example uses $145/mo Plan G and $95/mo Plan N premiums. Actual rates vary by age, ZIP code, gender, and carrier.
Get Your Plan G and Plan N Quotes Side by Side
I will pull real-time quotes for both plans from every major carrier in your area so you can see the exact premium difference and run the break-even math for your situation.
Who Each Plan Is Best For
Choose Plan G if you…
- See your doctor 15+ times per year
- See multiple specialists regularly
- Want zero out-of-pocket at point of service
- Have providers who may not accept Medicare assignment
- Prefer predictability over premium savings
- Have a chronic condition requiring frequent care
Choose Plan N if you…
- See your doctor 4–12 times per year
- Are comfortable with small, predictable copays
- Have providers who accept Medicare assignment
- Want to save $300–$600 per year in premiums
- Are in good health at enrollment
- Prefer lower fixed monthly costs
The One Thing Most People Miss: Excess Charges
The biggest theoretical risk of Plan N is Part B excess charges — the 15% surcharge providers can add when they do not accept Medicare assignment. Plan G covers these; Plan N does not.
In practice, this risk is minimal in Florida. According to CMS data, over 97% of Florida physicians and specialists accept Medicare assignment. The providers most likely to charge excess are a small subset of high-demand specialists in major metro areas.
Before choosing Plan N, confirm that your primary care doctor and any specialists you see regularly accept Medicare assignment. If they do — and most do — the excess charge risk is essentially zero.
Frequently Asked Questions
Common questions about choosing between Plan G and Plan N. Call (386) 871-3858 if you do not see yours here.
Still Not Sure Which Plan Is Right for You?
Call me and I will walk through your specific situation — your doctors, your health history, your budget — and give you a straight answer. No pressure, no sales tactics.
- Independent broker — no carrier bias
- FL license #W690237
- Compare 15+ carriers
- No obligation to enroll