Fair Square Medicare Wordmark

Medigap Plan N vs. Plan G — Which One Fits You in 2025?

Cover image

By Daniel Petkevich

Jul 14, 2025

An overview of the pros and cons of Plan N and Plan G.

The 30-Second Snapshot

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

  • Plan G = almost-all-inclusive. You pay the small Part B deductible ($257 in 2025) and nothing else.

  • Plan N = lower monthly premium, but you handle:

    • Up to $20 copay for doctor visits.

    • Up to $50 copay for ER visits that don’t lead to admission.

    • Any Part B excess charges (extra fees some doctors can bill above Medicare’s rate).


Where They’re Identical

Both plans pay 100 % of hospital coinsurance, skilled-nursing coinsurance, the Part A deductible, blood, hospice coinsurance, and 80 % of foreign-travel emergencies. Coverage is federally standardized, so a Plan G (or N) from one carrier is medically the same as any other.


What Plan G Gives You That Plan N Doesn’t

  1. No visit copays. Zero at the doctor, zero at the ER.

  2. Protection from excess charges. If a provider bills more than Medicare allows (legal in 42 states), Plan G pays the overage. Plan N leaves it to you.

  3. Set-and-forget budgeting. Once you’ve met the Part B deductible, your out-of-pocket cost is $0 for the rest of the year.


Why People Choose Plan N Anyway

  • 15-25 % cheaper premiums in many ZIP codes. In New York, for example, the average Plan N quote is about $260/month versus $325+ for Plan G.

  • States like New York and Connecticut ban excess charges, wiping out one of Plan N’s risks.

  • Healthy retirees who see the doctor only a few times a year may pay less in copays than they save in premium.


A Quick Math Check

  1. Add your annual Plan N premium.

  2. Estimate doctor & ER copays (be honest!).

  3. Add a small buffer in case a provider hits you with excess charges while traveling.

If that total is still below the Plan G premium, Plan N wins. Otherwise, Plan G’s peace of mind is probably worth the extra dollars.


Switching Later? Know the Rules

After your six-month Medigap Open-Enrollment window, moving between plans usually means medical underwriting. If your health changes, you might not be able to land Plan G’s richer benefits later—so weigh the long game before defaulting to Plan N.


Bottom line:

  • Pick Plan G if you want zero surprises, travel often, or live in a state that allows excess charges.

  • Pick Plan N if premiums are sharply lower in your area, you’re healthy, and you’re comfortable with the small copays.


Still Unsure? Let’s Run the Numbers Together

Our licensed Medicare advocates can pull side-by-side quotes in minutes and calculate your break-even point. Call 888-376-2028 or book a time that works for you—no cost, no pressure.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

The feet of a person suffering from foot pain stock photo

Does Medicare Cover Cartiva Implants?

Nov 29, 2022

Upset senior woman crying stock photo

Does Medicare Cover Nuedexta?

Nov 30, 2022

Older woman during an eye exam

Does Medicare Cover Diabetic Eye Exams?

Jan 11, 2023

Model of the lungs with the diseased part stock photo

Does Medicare Cover Ofev?

Dec 2, 2022

Medicare check yes stock image

How to Apply for Medicare?

Jul 15, 2022

Cover image

Saving Money with Alternative Pharmacies & Discount Programs

Feb 1, 2024

20 Q's with Fair Square

20 Questions to Ask Your Medicare Agent

Mar 17, 2023

Medsupp Thumbnail

Plan G vs. Plan N

Jan 28, 2022

treehouse

Medigap vs. Medicare Advantage

May 25, 2020

Cover image

Does Medicare Cover Physicals & Blood Work?

Feb 1, 2024

Four hands holding cut out image of kidneys stock image

Does Medicare Cover ESRD Treatments?

Dec 8, 2022

Gastroenterologist doctor, stomach specialist. Aesthetic handdrawn highlighted illustration of human stomach. Neutral grey background, studio photo and collage. stock photo

Does Medicare Cover Bariatric Surgery?

Dec 27, 2022

Man with disability and service dog stock photo

Does Medicare Cover Service Animals?

Nov 29, 2022

Illustrated referential images of a hospital bill, coins, cash in a wallet, a calculator, and a magnifying glass

What Are Medicare Part B Excess Charges?

Jan 6, 2023

Caucasian nurse holding spine model against the patients backs. Clinic interior. stock photo

Does Medicare Cover SI Joint Fusion?

Nov 28, 2022

senior gentleman wearing a suit working on his laptop outside of his office stock photo

How Your Employer Insurance and Medicare Work Together

Sep 27, 2022

a chart explaining different enrollment periods on medicare

How Do I Sign up for Medicare? A Simple How-To Guide For You

Apr 8, 2022

Cover image

What to Do When Your Doctor Leaves Your Network

Jul 15, 2025

More of our articles

13 Best Ways for Seniors to Stay Active in Indianapolis

13 Best Ways for Seniors to Stay Active in Phoenix

14 Best Ways for Seniors to Stay Active in Washington, D.C.

15 Best Ways for Seniors to Stay Active in Denver

2024 Cost of Living Adjustment

2025 Medicare Price Changes

Can Doctors Choose Not to Accept Medicare?

Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?

Do I Need Medicare If My Spouse Has Insurance?

Does Medicare Cover a Spinal Cord Stimulator?

Does Medicare Cover an FMT?

Does Medicare Cover Cataract Surgery?

Does Medicare Cover Cold Laser Therapy (CLT)?

Does Medicare Cover Compounded Medications?

Does Medicare Cover Disposable Underwear?

Does Medicare Cover Exercise Physiology?

Does Medicare Cover Flu Shots?

Does Medicare Cover Geri Chairs?

Does Medicare Cover Hearing Aids?

Does Medicare Cover Hepatitis C Treatment?

Does Medicare Cover Hoarding Cleanup?

Does Medicare Cover Jakafi?

Does Medicare Cover Kyphoplasty?

Does Medicare Cover Light Therapy for Psoriasis?

Does Medicare Cover Lipoma Removal?

Does Medicare Cover LVAD Surgery?

Does Medicare Cover Macular Degeneration?

Does Medicare Cover Medical Marijuana?

Does Medicare Cover Mouth Guards for Sleep Apnea?

Does Medicare Cover Orthodontic Care?

Does Medicare Cover Oxybutynin?

Does Medicare Cover Ozempic?

Does Medicare Cover Penile Implant Surgery?

Does Medicare Cover Robotic Surgery?

Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?

Does Medicare Cover Stair Lifts?

Does Medicare Cover Tymlos?

Does Medicare Cover Urodynamic Testing?

Does Medicare Pay for Allergy Shots?

Does Medicare Pay for Antivenom?

Does Medicare Pay for Bunion Surgery?

Does Medicare Pay for Funeral Expenses?

Does Medicare Pay for Varicose Vein Treatment?

Does Your Medicare Plan Cover B12 Shots?

Estimating Prescription Drug Costs

Everything About Your Medicare Card + Medicare Number

Explaining the Different Enrollment Periods for Medicare

Fair Square Client Newsletter: AEP Edition

Health Savings Accounts (HSAs) and Medicare

How Does Medicare Cover Colonoscopies?

How Does Medicare Pay for Emergency Room Visits?

How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?

How is Medicare Changing in 2025?

How Much Does a Pacemaker Cost with Medicare?

How Much Does Medicare Cost?

How Much Does Xeljanz Cost with Medicare?

How to Become a Medicare Agent

How to Enroll in Social Security

Is Fair Square Medicare Legitimate?

Is the Shingles Vaccine Covered by Medicare?

Last Day to Change Your Medicare Part D Plan

Medicare Advantage Plans for Disabled People Under 65

Medicare Guaranteed Issue Rights by State

Top 10 Physical Therapy Clinics in San Diego

Welcome to Fair Square's First Newsletter

What is the 8-Minute Rule on Medicare?

What You Need to Know About Creditable Coverage

What's the Deal with Flex Cards?

When Can You Change Medicare Supplement Plans?

When to Choose Medicare Advantage over Medicare Supplement

Why You Should Keep Your Medigap Plan

Will Medicare Cover it?

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M

Fair Square Medicare

FSM symbol - 50