Medicare Plan G vs. Plan N
Plan G covers everything except the Part B deductible (~$257 in 2026). Plan N has lower premiums but charges $20 office-visit and $50 ER copays. Plan N wins when you rarely see doctors; Plan G wins when you have frequent visits or want full predictability.
| Medicare Plan G | Plan N | |
|---|---|---|
| Monthly premium (age 65) | $120-$180 | $95-$140 |
| Part A deductible | Covered | Covered |
| Part B deductible | You pay (~$257) | You pay (~$257) |
| Office visit copay | None | $20 per visit |
| ER copay | None | $50 per visit (waived if admitted) |
| Part B excess charges | Covered | NOT covered — you pay 15% extra |
| Foreign travel emergency | Covered | Covered |
| Best for | Frequent doctor visits, full predictability | Lower premiums, infrequent visits |
Choose Medicare Plan G if
- You see doctors 6+ times per year.
- You want zero copays at the point of service.
- You live in an area with many "excess charge" doctors.
- Your budget can absorb $50/month higher premiums.
Choose Plan N if
- You rarely see doctors (1-3 times/year).
- You can absorb $20/visit and $50/ER copays.
- Your doctors accept Medicare assignment (no excess charges).
- You want to bank the premium savings each month.
Run the numbers yourself
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