Medicare Supplement guide · Texas & Florida
Medigap Plan G vs. Plan N (2026): Costs, Copays & Which Saves More
Plan G and Plan N are the two most popular Medigap plans for people new to Medicare. Plan G covers everything except the Part B deductible ($283 in 2026), so after that you typically pay nothing for covered care. Plan N has a lower premium but asks you to pay small copays (up to $20 at the doctor, up to $50 in the ER) and doesn't cover 'Part B excess charges.' If you want the most hands-off, no-surprise coverage, choose Plan G; if you're healthy, see the doctor less, and want to save on premium, Plan N often wins.
Written & reviewed by the licensed agents at Giron Agency — Matt Giron, licensed in Texas — for the 2026 plan year.
Medigap Plan G vs. Medigap Plan N at a glance
| Medigap Plan G | Medigap Plan N | |
|---|---|---|
| Monthly premium | Higher (more complete) | Lower — usually $20–$40/mo less than Plan G |
| Part B deductible ($283 in 2026) | You pay it once a year | You pay it once a year |
| Doctor visit copay | $0 | Up to $20 per visit |
| ER copay | $0 | Up to $50 (waived if admitted) |
| Part B excess charges | Covered | Not covered (rare, and banned in some states) |
| Foreign travel emergency | Covered (80%, up to limits) | Covered (80%, up to limits) |
| Best for | Set-it-and-forget-it, frequent care | Healthy, cost-conscious, occasional visits |
Choose Medigap Plan G if…
- ✓You want to pay essentially nothing after the annual deductible
- ✓You see doctors or specialists frequently
- ✓You dislike tracking copays
- ✓You want the most comprehensive plan still sold to new enrollees
Choose Medigap Plan N if…
- ✓You're healthy and visit the doctor a few times a year
- ✓You want a lower monthly premium
- ✓Small, predictable copays don't bother you
- ✓You live where Part B excess charges are banned or rare
How to decide between G and N in dollars, not opinions
The math is usually simple. Add up Plan N's likely copays over a year — say you have 10 doctor visits at $20 each, that's $200 — and compare it to how much you'd save in premium. If Plan N saves you $30/month ($360/year) and you'd only spend ~$200 in copays, Plan N comes out ahead. If you see specialists constantly or hate surprises, Plan G's slightly higher premium buys peace of mind.
A note on 'Part B excess charges': these only happen when a provider doesn't accept Medicare's approved amount and bills up to 15% more. They're uncommon, and several states ban them outright. Plan G covers them; Plan N doesn't — a small but real consideration. Both plans, importantly, cover the big-ticket items (the 20% coinsurance on outpatient care and the Part A hospital costs) identically.
Texas & Florida note: In Texas a 65-year-old often sees Plan G around $125–$205/mo and Plan N a notch below that; in Florida both run higher (Plan G frequently $230+), so the premium gap between G and N can be larger in dollar terms — which sometimes tips healthy Florida shoppers toward Plan N. We pull live rates for your exact age and ZIP in both states.
Not sure which fits you?
Free and no pressure. Matt compares every Texas and Florida option for you and only recommends what fits your situation.
Frequently Asked Questions
Is Plan N worth it over Plan G?
If you're healthy and the premium savings beat your likely copays for the year, yes. If you see doctors often or want zero surprises, Plan G usually wins. It's a dollars-and-cents comparison we can run for your situation.
What is a Part B excess charge?
It's up to 15% extra a provider can bill when they don't accept Medicare assignment. Plan G covers it; Plan N does not. It's rare and banned in some states.
Do Plan G and Plan N cover the same doctors?
Yes — neither uses a network. Any provider in the U.S. that accepts Medicare works with both. The differences are only in premium and copays.