Compare monthly premium, deductibles, Medicare cost-sharing, excess-charge protection, and the practical tradeoffs among these three Medicare Supplement options.
High-Deductible Plan G has the lowest illustrated premium but requires you to pay Medicare-covered cost-sharing until the 2026 high-deductible amount is satisfied. Select Plan G has the highest illustrated premium but provides the more predictable Plan G cost-sharing structure after the annual Part B deductible. Select Plan N sits between them on premium and uses Plan N's office and emergency-room copay structure while not covering Part B excess charges.
These figures are specific to the plans illustrated in this comparison. Premiums and historical rate changes should not be treated as universal Plan G or Plan N pricing.
| Feature | Plan G High Deductible | Select Plan G | Select Plan N |
|---|---|---|---|
| Plan type | G High Deductible | G | N |
| Rating type | Age Attained | Age Attained | Age Attained |
| Policy fee | $0 | $0 | $0 |
| Monthly premium | $54.37 | $180.00 | $125.00 |
| Annual premium | $652.44 | $2,160.00 | $1,500.00 |
| Hospital Part A deductible | $0 | $0 | $0 |
| Part B deductible | $283 | $283 | $283 |
| Plan deductible | $2,950 | $0 | $0 |
| Discounted monthly premium | $54.37 | $180.00 | $125.00 |
| Discounted annual premium | $652.44 | $2,160.00 | $1,500.00 |
| Average rate increase, 3 years | 2.3%/yr | 8.3%/yr | 8.3%/yr |
| Last increase | 0% Apr 2025 | 10% Apr 2025 | 10% Apr 2025 |
Lower illustrated premium with more cost exposure before the high-deductible policy begins paying its Plan G benefits.
Higher illustrated premium in exchange for the more predictable standardized Plan G benefit structure.
Lower illustrated premium than Select Plan G, with Plan N copays and no Part B excess-charge benefit.
Rate increases are specific to the insurance carrier and the policy illustrated. Historical rate changes shown in this comparison should not be interpreted as a guaranteed or expected future increase for Medicare Supplement Plan G, Plan N, or any other Medigap plan.
Premium changes can vary by carrier, plan, state, rating method, policy class, age, discounts, and approved rate actions. Please refer to the applicable carrier's current plan documents, rate materials, and policy information for details about the specific plan being considered.
Compare inpatient hospital, skilled nursing, hospice, blood, home health, and foreign travel cost-sharing.
| Service | Plan G High Deductible | Select Plan G | Select Plan N |
|---|---|---|---|
| Hospitalization: first 60 days | Nothing after you pay the plan deductible | Nothing | Nothing |
| Hospitalization: 61st to 90th day | Nothing after you pay the plan deductible | Nothing | Nothing |
| Hospitalization: 91st to 150th day | Nothing after you pay the plan deductible | Nothing | Nothing |
| Hospitalization: beyond 150 days | Nothing after you pay the plan deductible, subject to Medicare lifetime reserve rules | Nothing, subject to Medicare lifetime reserve rules | Nothing, subject to Medicare lifetime reserve rules |
| Skilled Nursing Facility: first 20 days | Nothing after you pay the plan deductible | Nothing | Nothing |
| Skilled Nursing Facility: additional 80 days | Nothing after you pay the plan deductible | Nothing | Nothing |
| Skilled Nursing Facility: beyond 100 days | All costs | All costs | All costs |
| Home Healthcare | Nothing after you pay the plan deductible | Nothing | Nothing for covered services. Durable medical equipment is handled under Part B rules after the Part B deductible is met. |
| Hospice Care | Nothing after you pay the plan deductible | Nothing | Nothing |
| Blood | Nothing after you pay the plan deductible | Nothing | Nothing |
| Foreign Travel Emergency | You pay $250 after you pay the plan deductible, then plan pays according to plan limits | $250, then plan pays according to plan limits | $250, then plan pays according to plan limits |
See how physician services, outpatient care, durable medical equipment, blood, and excess charges differ.
| Service | Plan G High Deductible | Select Plan G | Select Plan N |
|---|---|---|---|
| Medical expenses: physician services, inpatient and outpatient medical services and supplies, physical therapy, speech therapy, ambulance, etc. | You pay the $283 Part B deductible if not already met, plus covered Medicare cost-sharing until the $2,950 plan deductible is met. After the plan deductible is met, you pay $0 for the remainder of Medicare-approved amounts. | You pay the $283 Part B deductible. After that, you pay $0 for the remainder of Medicare-approved amounts. | You pay the $283 Part B deductible. After that, you may pay up to $20 per office visit and up to $50 per emergency room visit. The ER copay is waived if admitted and the ER visit is covered as a Medicare Part A expense. |
| Home Health Care: medically necessary skilled care | Nothing for covered services after applicable deductibles. You pay the $283 Part B deductible if not already met, plus covered Medicare cost-sharing until the $2,950 plan deductible is met. | You pay the $283 Part B deductible. After that, you pay $0 for the remainder of Medicare-approved amounts. | You pay $0 for covered services after the $283 Part B deductible. Durable medical equipment follows Part B rules. |
| Durable Medical Equipment | You pay the $283 Part B deductible if not already met, plus cost-sharing until the $2,950 plan deductible is met. After that, $0 for Medicare-approved amounts. | You pay the $283 Part B deductible. After that, $0 for Medicare-approved amounts. | $0 of the approved amount after the $283 Part B deductible is met. |
| Blood under Part B | You pay the $283 Part B deductible if not already met, plus cost-sharing until the $2,950 plan deductible is met. | You pay the $283 Part B deductible. After that, $0 of the remainder of Medicare-approved amounts. | $0 after the $283 Part B deductible is met. |
| Part B excess charges | Covered after the $2,950 plan deductible is met | Covered | Not covered |
| Dental services | Not covered | Not covered | Not covered |
| Vision services | Not covered | Not covered | Not covered |
Plan N: Copays apply after the Part B deductible is met, and Plan N does not cover Part B excess charges.
High-Deductible Plan G: The plan deductible is separate from the monthly premium. You pay covered Medicare cost-sharing until the plan deductible is satisfied, then the policy pays like standard Plan G for covered Medicare-approved services.
The tables show the numbers. These answers explain how some of the differences work in real life.
A Part B excess charge can occur when a Medicare provider does not accept Medicare assignment and is permitted to charge more than the Medicare-approved amount. In many cases, a non-participating provider can charge up to 15% above the Medicare-approved amount.
Learn more in Medicare Assignment, Costs & Provider Billing.
No. Plan N can require a copayment of up to $20 for some office visits after the Part B deductible is met. The exact amount can be less than $20 depending on the Medicare-approved cost-sharing for the service.
Plan N can also require a copayment of up to $50 for an emergency room visit that does not result in an inpatient admission.
No. They are separate. The annual Part B deductible is $283 in 2026. High-Deductible Plan G also has a $2,950 plan deductible. You pay Medicare-covered cost-sharing that counts toward the high-deductible amount before the Medigap policy begins paying its standard Plan G benefits.
See our 2026 Medicare Costs guide for a broader explanation of Part A and Part B cost-sharing.
Standard Plan G generally provides more predictable cost-sharing after you pay the Part B deductible because it covers Part B excess charges and does not use Plan N's office and emergency room copay structure. Plan N generally trades some of that predictability for a lower premium.
For a broader comparison, visit Medigap Plan G vs. Plan N.
Generally, no. Medigap is designed primarily to help with cost-sharing for services covered by Original Medicare. It does not automatically add routine dental, routine vision, hearing-aid, or long-term custodial-care coverage.
See What Does Medicare Not Cover? for common Original Medicare coverage gaps.
Yes. Medicare Supplement premiums can change over time. Any rate-increase history shown in this comparison is specific to the carrier and policy illustrated and is not a prediction of future increases. Rating method, carrier rate actions, age, discounts, location, policy class, and other permitted factors can affect future premiums.
Please refer to the applicable carrier's current plan documents and rate materials for information about the specific Medicare Supplement policy you are considering.
Yes. Medicare Supplement insurance works alongside Original Medicare. You remain enrolled in Medicare Part A and Part B, and the Medigap policy helps pay certain Medicare cost-sharing amounts according to the standardized plan benefits.
Review What Is Medicare Part A? and What Is Medicare Part B? for more detail.
We can review your premium differences, expected healthcare use, provider considerations, and preference for predictable versus variable out-of-pocket costs.
Request Medicare Planning InformationSenior Healthcare Planning is an independent insurance agency and is not connected with or endorsed by the United States government or the federal Medicare program. This comparison is for educational purposes only and does not constitute an offer to sell insurance. Premiums and historical rate increases are specific to the carrier and policy illustrated and may change. Refer to the applicable carrier's current plan documents, rate materials, and policy information for details about the specific plan being considered. Not all plans are available in all areas.
