Medigap Plan G or Plan N? What Each Costs in New Jersey
At 65, a woman in New Jersey pays $147.88 to $260.98 a month for Medigap Plan G and $106.57 to $174.51 for Plan N on the state's June 2026 chart. Here is what the difference buys you.
Key takeaways
- Medigap Plan G pays everything Original Medicare leaves except the $283 Part B deductible (2026).
- Plan N also leaves the Part B deductible, plus copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission.
- On New Jersey's June 2026 chart for age 65, women pay a median of $180.63 a month for Plan G and $129.91 for Plan N. For men the medians are $207.72 and $149.09.
- The median monthly difference between G and N at the same company is $52.22 for women, about $627 a year.
- The safest time to buy is your six-month Medigap open enrollment period. After that, companies can turn you down or charge more based on your health.
Plan G and Plan N are the two Medicare Supplement plans most people in New Jersey end up choosing between. Both pick up most of the bills Original Medicare leaves, and both let you see any doctor in the country who takes Medicare.
The difference is small copays on Plan N in exchange for a lower premium. Whether that trade is worth it comes down to two things: how often you see the doctor, and how big the premium gap is at the company you are considering.
New Jersey's Division of Aging Services publishes a chart of monthly premiums at 65 for every company selling Medigap in the state. We used the June 2026 version to put real numbers on the choice.
What is the difference between Plan G and Plan N?
Plan N adds small copays and does not cover Part B excess charges. Otherwise the two plans cover the same things, according to Medicare.gov's Medigap comparison.
| Cost | Plan G | Plan N |
|---|---|---|
| Part B deductible ($283 in 2026) | You pay | You pay |
| Part A hospital deductible and coinsurance | Covered | Covered |
| Part B coinsurance (the 20%) | Covered | Covered, except copays below |
| Office visit copay | None | Up to $20 for some visits |
| Emergency room copay (not admitted) | None | Up to $50 |
| Part B excess charges | Covered | You pay |
Source: Medicare.gov: Compare Medigap plan benefits.
How much do Plan G and Plan N cost in New Jersey?
On the state chart for June 2026, preferred rates at age 65, Plan G runs from $147.88 to $260.98 a month for women and $164.31 to $299.88 for men. Plan N runs from $106.57 to $174.51 for women and $117.79 to $200.84 for men. The same plan letter gives the same benefits at every company, so the price is the main difference.
- median Plan G, women at 65
- $180.63
- median Plan N, women at 65
- $129.91
- median Plan G, men at 65
- $207.72
- median Plan N, men at 65
- $149.09
| Company | Plan G | Plan N | Difference |
|---|---|---|---|
| Bankers Life (Washington National) | $147.88 | $107.91 | $39.97 |
| Bankers Fidelity Assurance Co. | $150.53 | $114.63 | $35.90 |
| Healthspring National Ins. Co. | $157.80 | $106.57 | $51.23 |
| LifeShield National Ins. Co. | $165.15 | $119.85 | $45.30 |
| AARP / UnitedHealthcare | $167.13 | $113.53 | $53.60 |
| First Health Life & Health Ins. Co. | $174.93 | $109.12 | $65.81 |
| Insurance Co. of North America | $177.19 | $121.13 | $56.06 |
| Horizon Blue Cross Blue Shield of N.J. | $179.94 | $141.03 | $38.91 |
| Medico Insurance Co. | $180.36 | $125.61 | $54.75 |
| American Benefit Life Ins. Co. | $180.63 | $129.99 | $50.64 |
| Humana Ins. Co. (Achieve) | $182.60 | $130.38 | $52.22 |
| AARP / UnitedHealthcare (with Wellness Extras) | $189.84 | $162.32 | $27.52 |
| AFLAC (Tier One Ins. Co.) | $197.46 | $129.82 | $67.64 |
| United World Life (Mutual of Omaha) | $198.29 | $138.46 | $59.83 |
| ManhattanLife Ins. & Annuity Co. | $198.83 | $148.50 | $50.33 |
| WoodmenLife | $205.29 | $142.03 | $63.26 |
| United American | $212.00 | $174.00 | $38.00 |
| Humana Ins. Co. (Value) | $212.24 | $120.80 | $91.44 |
| Aetna Health Ins. Co. | $260.98 | $174.51 | $86.47 |
Is Plan N cheaper overall than Plan G?
Usually, unless you see the doctor very often or use doctors who charge excess charges. At the median gap of $52.22 a month, Plan N saves a woman about $627 a year in premium. At a $20 copay per visit, it would take roughly 31 copay visits in a year to use that up, before counting any emergency room visits or excess charges.
Source: New Jersey Division of Aging Services chart, revised June 2, 2026, preferred rates at age 65.
Plan G tends to suit you if
- You see specialists or your doctor many times a year
- You want no copays to think about
- Your doctors may not accept assignment
Plan N tends to suit you if
- You see the doctor a few times a year
- You are comfortable with small copays
- Your doctors accept Medicare assignment
When can I buy a Medigap plan in New Jersey?
The safest time is your Medigap open enrollment period: six months starting the month you are 65 or older and have Part B (Medicare.gov). During it, a company must sell you any plan it offers at its standard rate, whatever your health. The state chart warns that after your first six months of Part B, a company may turn you down or charge higher rates based on your health.
The bottom line
Plan G and Plan N cover the same core bills. Plan N trades copays of up to $20 and $50, plus excess charges, for a premium that is a median $52.22 a month lower for women at 65 in New Jersey. If you see the doctor a few times a year and your doctors accept assignment, Plan N is worth a hard look. Buy during your six-month Medigap open enrollment period if you can.
Frequently asked questions
How much is Medigap Plan G in New Jersey?
On the state's June 2026 chart, Plan G at age 65 runs $147.88 to $260.98 a month for women and $164.31 to $299.88 for men, at preferred rates. Your price depends on the company, your age and your health.
What does Plan N not cover?
The Part B deductible ($283 in 2026), Part B excess charges, copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission.
Is Plan N worth it over Plan G?
For many people, yes. The median premium gap for women at 65 in New Jersey is $52.22 a month, about $627 a year. It suits people who see the doctor a handful of times a year and whose doctors accept Medicare assignment.
Can I switch from Plan G to Plan N later?
You can apply at any time, but outside your open enrollment period or a special situation that gives you a right to buy, the company can ask health questions and may turn you down.
Sources
- New Jersey Medicare Supplement Policies (Medigap) monthly premium at age 65, female preferred rates, June 2026 New Jersey Department of Human Services, Division of Aging Services
- New Jersey Medicare Supplement Policies (Medigap) monthly premium at age 65, male preferred rates, June 2026 New Jersey Department of Human Services, Division of Aging Services
- Medicare.gov: Compare Medigap plan benefits Centers for Medicare & Medicaid Services
- Medicare.gov: When can I buy Medigap? Centers for Medicare & Medicaid Services
Please note: 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.Garden State Medicare Solutions is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information. This article is general information, not medical, tax or legal advice.
