Medigap Plans Compared: Plan G, Plan N and More

Medicare Supplement plans are standardized by letter, so a Plan G from one company has exactly the same benefits as a Plan G from any other. The standard letters are A, B, C, D, F, G, K, L, M and N, plus high-deductible versions of F and G. Plan G is the most complete plan available to people new to Medicare: it pays everything Original Medicare leaves except the Part B deductible, $283 in 2026. Plan N costs less each month in exchange for small copays. Plans C and F are only for people eligible for Medicare before January 1, 2020. Jackie's own site calls F, G and N the three most popular plans clients choose. Because benefits match, the real comparison is price and company.

What each plan pays

A check means the plan pays 100 percent of that benefit after Medicare pays its share.

Source: Medicare.gov: Compare Medigap plan benefits.

Plan G: the most complete plan for new enrollees

Once you pay the Part B deductible ($283 in 2026), Plan G pays the rest of your Medicare-approved costs for the year, including the $1,736 Part A deductible per benefit period, the 20 percent Part B coinsurance and Part B excess charges (the up to 15 percent extra a doctor who does not accept Medicare assignment can bill). Jackie's site describes Plan G as "the most bang for your buck": it is just like Plan F except that it does not pay the Part B deductible. Our Plan G guide goes deeper.

A high-deductible Plan G pays the same benefits after you meet a yearly deductible set by CMS ($3,050 in 2027), in exchange for a much lower premium.

Plan N: lower premium, small copays

Plan N pays the Part A deductible and Part B coinsurance, but you pay the Part B deductible, up to $20 for some doctor visits, up to $50 for an emergency room visit that does not result in admission, and any Part B excess charges. For someone who sees the doctor a few times a year and uses doctors who accept Medicare assignment, Plan N's lower premium can more than offset the copays. Our Plan N guide works through the math.

Plan F: only if you were eligible before 2020

Plan F pays every benefit in the chart, including the Part B deductible, so you pay nothing for Medicare-approved care. Since January 1, 2020, it cannot be sold to people who became eligible for Medicare on or after that date. If you were eligible before 2020, even if you did not enroll then, you can still buy it. Our Plan F guide covers whether keeping or buying it still makes sense.

Plans K, L and the rest

Plans K and L pay a share (50 or 75 percent) of most costs until you reach a yearly out-of-pocket limit, then 100 percent. They have lower premiums and suit people who want protection against a catastrophic year. Plans A, B and M cover less and are chosen less often. Plan D matters in New Jersey for a specific reason: it is the plan every Medigap company must offer to people under 65 on Medicare due to disability.

Comparing prices

Premiums for people 65 and older depend on the company, your age, your sex, your ZIP code, tobacco use and how the company prices over time, so there is no single New Jersey price for Plan G. Jackie pulls current quotes for your exact situation. Ask every company how it prices:

• Attained-age pricing: the premium rises as you get older.
• Issue-age pricing: based on your age when you buy; it does not rise because you age, though it can rise for other reasons.
• Community-rated pricing: everyone in the area pays about the same regardless of age.
• Also ask about household discounts, one-time application fees, and how much the premium has risen over the last three years. New Jersey rate sheets note that premium increases can occur at any time during the year with approval from the Department of Banking and Insurance.

Under 65 on Medicare in New Jersey: Plan D

New Jersey requires every Medigap company to offer, at a minimum, Plan D to people under 65 who have Medicare because of a disability, at a rate no higher than its age 65 rate (NAIC chart of state Medigap rules, as of May 11, 2026). The state publishes the rates. These are published figures, not quotes for your ZIP code.

Source: NJ Medicare Supplement coverage for people between ages 50 and 65 on Medicare due to disability (September 2026).

A worked example: Plan G or Plan N?

Here is an illustration, not a quote. Say the Plan N quote you get is $40 a month lower than Plan G from the same company: $480 a year. Now take a year with ten doctor visits that each carry the Plan N copay of up to $20, and one emergency room visit without admission at up to $50: at most $250 in Plan N copays. Plan N still comes out about $230 ahead. If the gap between G and N is only $15 a month ($180 a year), Plan G is the better deal in that same year.

Both plans leave the $283 Part B deductible to you in 2026. Plan N also leaves Part B excess charges, which only arise with doctors who do not accept Medicare assignment, so ask your doctors that question first.

How Jackie compares Medigap prices for you

• Confirm the plan letter that fits: usually G, N or high deductible G for people new to Medicare after 2019, or F if you were eligible earlier.
• Pull current premiums for your ZIP code, age, sex and tobacco status from the companies she is appointed with.
• Note each company's pricing method: attained age, issue age or community rated.
• Ask about household discounts, application fees and automatic claims crossover from Medicare.
• Time the application inside your six-month window so no health questions apply.

Things every Medigap policy has in common

• You must have Part A and Part B.
• Each policy covers one person; spouses buy separate policies.
• Policies sold today do not include drug coverage, so you add a Part D plan.
• Policies are guaranteed renewable: the company cannot cancel you as long as you pay the premium.
• Medigap does not cover long-term care, routine dental, vision, hearing aids or eyeglasses.
• It is illegal to sell you a Medigap policy if you have Medicare Advantage, unless you are switching back to Original Medicare.

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The bottom line

Pick the plan letter for the benefits you want, then shop the company, because the same letter can differ widely in price. For most people new to Medicare, the choice comes down to Plan G for predictability or Plan N for a lower premium with small copays. Buy during your six-month Medigap window if you can. Jackie can price both from several companies for your ZIP code: call or text (856) 727-4221.