What Is the Best Medicare Supplement Plan? How to Decide

Then Compare Plan N

Plan N provides similar protection but has additional cost sharing.

You may pay:

Up to $20 for some office visits

and:

Up to $50 for some emergency-room visits that don’t result in inpatient admission.

Plan N also:

Doesn’t cover Part B excess charges.

In exchange, Plan N may have a lower monthly premium.

Then Consider High Deductible Plan G

High Deductible Plan G has the same standardized coverage categories as Plan G once the annual high deductible is met.

For 2026, that deductible is:

$2,950

Before the policy begins paying, you pay Medicare-covered deductibles, copayments and coinsurance toward that amount.

The premium can be substantially lower than regular Plan G in some markets.

My Plan G vs. Plan N Rule of Thumb

If Plan N is only:

$5 or $10 per month less

than Plan G, I may prefer Plan G’s additional simplicity.

But if Plan N saves:

$25–$40 per month

the annual difference becomes:

$300–$480 per year

and deserves a serious comparison.

The exact decision depends on your healthcare use and available premiums.

What About Plan F?

Plan F is very comprehensive and covers the Part B deductible.

However, it generally isn’t available to people who first became eligible for Medicare on or after January 1, 2020.

People eligible before then may still have Plan F options.

Don’t Choose the Insurance Company First

With standardized Medigap:

Plan G is Plan G

in terms of standardized medical benefits regardless of insurer.

First determine:

Which plan fits?

Then compare:

Which insurance company offers that plan at the best overall value?