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).
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.
No visit copays. Zero at the doctor, zero at the ER.
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.
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.
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.
Add your annual Plan N premium.
Estimate doctor & ER copays (be honest!).
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.
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.
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.

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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.
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