Medicare Plan G Summary: Supplementary Coverage, Deductible Payments, and Medigap Details
Medigap plans, also known as Medicare Supplement Insurance, are designed to help cover costs not paid by Original Medicare, such as deductibles, copayments, and coinsurance. In this article, we compare key details for Medigap Plan G, Plan N, and Plan F.
### Coverage Details
**Plan G** offers comprehensive coverage, including Part A hospital costs, Part A deductible, Part B coinsurance, Part B excess charges (except for 2025), skilled nursing facility care coinsurance, and foreign travel emergency medical care (80% up to plan limits). However, it does not cover the Part B deductible, which is $257 in 2025.
**Plan N** is similar to Plan G but does not cover Part B excess charges. Additionally, it requires copays for doctor visits and emergency room visits, typically $20 and $50, respectively.
**Plan F** provides the most comprehensive coverage available, including all the benefits of Plan G plus the Part B deductible. However, new enrollment is restricted to those who were eligible for Medicare before January 1, 2020.
### Costs
**Plan G** premiums vary widely based on age, location, and insurance provider. For example, in 2025, Plan G premiums range from approximately $306 to $526.85 in New York City and from $114.17 to $270.76 in Chicago. In Florida, premiums typically range from $200 to $250 per month.
**Plan N** generally offers lower premiums compared to Plan G, as it requires copays for certain services. This plan is ideal for those who prefer lower monthly costs and can manage occasional copays.
**Plan F**, due to its comprehensive coverage, typically has higher premiums than Plan G, but it is no longer available for new enrollees who became eligible after January 1, 2020.
### Enrollment Process
The best time to enroll in a Medigap plan is during your Initial Enrollment Period (IEP), which starts when you turn 65 and enroll in Part B. During this time, you generally cannot be denied coverage due to pre-existing conditions or charged higher premiums because of them.
You can switch Medigap plans, but you may face medical underwriting, which can result in higher premiums or denial based on your health status. Some insurers offer more lenient underwriting processes, making it easier to switch plans.
If you were eligible for Medicare before January 1, 2020, you can still enroll in Plan F, but it is not available for new enrollees who became eligible after that date.
### Additional Information
The State Health Insurance Assistance Program (SHIP) may help a person find a comparison guide for their state. The premium for Medicare Plan G depends on a person's age, gender, and location. The standard premium for Part B in 2025 is $185.
Out-of-pocket cost includes deductibles, coinsurance, copayments, and premiums. Medigap plans, like Plan G, can pay Part B excess charges when a doctor charges more than the Medicare-approved price for a service. As of January 1, 2020, Plan F is no longer available to new enrollees in Medicare. The "gap" refers to the costs when a service is not covered by Original Medicare (Part A and Part B), and people must pay for the cost out of pocket.
The Medicare online tool shows plans offered in a person's area, what is covered, the approximate cost, and the company's contact information. Deductible is an annual amount a person must spend out of pocket within a certain period before Medicare starts to fund their treatments. The decision between these plans depends on individual health needs, budget, and preference for healthcare cost predictability.
- Health organizations might provide information on the differences between Medigap Plan G, Plan N, and Plan F, detailing their coverage for medical-conditions such as Part A hospital costs, coinsurance, deductibles, and foreign travel emergencies, while also highlighting variances like Plan G not covering the Part B deductible and Plan F no longer being available for new enrollees who became eligible after January 1, 2020.
- A person seeking guidance for finding a comparison guide for their state can turn to the State Health Insurance Assistance Program (SHIP). Science plays a role in detailing the workings of medical-conditions and the impact different health insurance plans, like Medigap, may have on their management. Health-and-wellness, therefore, can benefit from an understanding of these plans and their corresponding costs.
- The Medicare online tool, with its capability to show plans offered in a person's area, what is covered, the approximate cost, and the company's contact information, can aid individuals in making informed decisions about their health insurance needs, considering factors like the Part B deductible coverage in Medigap plans and the cost predictability provided by these plans.
