What is the difference between Plan F Plan G and Plan N?
Asked by: Kaela Ryan DDS | Last update: January 9, 2026Score: 4.4/5 (72 votes)
What is the best medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
What does Plan G cover that Plan N does not?
Plan G pays for Part B's excess charge, while Plan N does not. It also pays for 100% of Part B treatments without making exceptions for particular emergency room or doctor's office visits. Plan N does not offer a high-deductible version in any state.
Why is Plan F being discontinued?
Why is Medicare Plan F no longer an option for most people? In short, Medicare Plan F is being phased out because of the first dollar coverage that made it so popular. As federal lawmakers saw it, that kind of coverage has the potential to be overused at the expense of the Medicare program.
What are the top 5 Medicare Supplement plans?
💬 From our Nerds: What are the top five Medicare supplement plans? "Based on NerdWallet's Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2025: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.
Plan G vs. Plan F Medicare Supplement -Which is the better choice?
Is Medigap plan G being phased out?
Medicare Plan G is not going away. There is a lot of confusion surrounding which Medigap plans are going away and which are still available. Rest assured that Plan G isn't going away. You can keep your plan.
What is the disadvantage of Plan G?
Medicare Plan G does not cover dental, vision, or prescriptions. Medicare Plan G does not cover the Part B deductible or any service that Medicare does not cover. Medicare Plan G does not cover dental, vision, or prescriptions.
Why are people leaving Medicare Advantage plans?
Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.
How much does Plan N cost a month?
Plan N costs an average of $121 per month. This monthly cost is on top of the cost of Original Medicare, which includes Parts A and B. Most people get Part A for free. Part B costs $185 per month in 2025.
Is there a Medicare plan that pays 100%?
Medicare Advantage Plan (Part C):
Deductibles, coinsurance, and copayments vary based on which plan you join. Plans also have a yearly limit on what you pay out-of-pocket. Once you pay the plan's limit, the plan pays 100% for covered health services for the rest of the year.
What are the 6 things Medicare doesn't cover?
- Eye exams (for prescription eyeglasses)
- Long-term care.
- Cosmetic surgery.
- Massage therapy.
- Routine physical exams.
- Hearing aids and exams for fitting them.
Why do doctors not like Medicare Advantage plans?
Across the country, provider grumbling about claim denials and onerous preapproval requirements by Advantage plans is crescendoing. Some hospitals and physician practices are so fed up they're refusing to accept the plans — even big ones like those offered by UnitedHealthcare and Humana.
Does Plan N cover dental and vision?
Other Medicare Supplement plans, like Plan C, regular and high-deductible Plan F, and Plan G, do not. Plan N doesn't offer a high-deductible version. Plan N also doesn't cover your vision, dental, and hearing expenses, even preventive ones—for those, you'll likely need a Medicare Advantage plan.
Can I drop my medicare advantage plan and go back to original medicare?
Medicare Advantage Open Enrollment Period: Between January 1 and March 31 of each year, if you already have a Medicare Advantage Plan (with or without drug coverage) you can: Switch to another Medicare Advantage Plan (with or without drug coverage). Drop your Medicare Advantage Plan and return to Original Medicare.
Why are seniors losing their Medicare Advantage plans?
Health systems and hospitals are also making the decision to cancel contracts due to excessive prior authorization denial rates and slow payments from insurers. Already 27 health systems have canceled their Medicare Advantage contracts this year.
Why are hospitals dropping Medicare Advantage plans?
Health systems have cited delayed reimbursements, cumbersome prior authorization requirements and high rates of patient claim denials for their decisions to drop Medicare Advantage plans.
Why is Humana dropping Medicare?
Rising medical costs and lower reimbursements from CMS led Humana and other insurers to plan market exits in 2025.
What plan G does not cover?
High deductible plan G does not cover the Medicare Part B deductible. However, high deductible F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible. 2Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
What is the most popular medicare supplement plan?
There are 10 different types of Medigap policies (labeled A through N), each having a different, standardized set of benefits (Appendix Table 3). Plan G is the most popular Medigap policy, accounting for 39% of all policyholders, or nearly 5.3 million people, in 2023 (Figure 3).
How much is Plan G per month?
On average, most Medicare Plan G premiums will be between $100-$200 per month. Medigap policies may set prices in three ways: Community-rated. Everyone who purchases this plan will pay the same monthly premium.
Does Plan G cover nursing homes?
Plan G covers 100% of the Medicare Part A and Part B co-pays and coinsurance, those gaps and holes that Medicare doesn't cover. Plan G covers Skilled Nursing and rehab facility stays and also Hospice care. You also won't have to worry about any balance billing, known as excess charges.
Can Medicare deny coverage for preexisting conditions?
Does Medicare Advantage cover preexisting conditions? Yes. Medicare Advantage (MA) plans won't reject your enrollment if you have a preexisting condition. But since MA plans are offered by private insurance companies, coverage levels and costs can vary from company to company.
Should I switch from Plan F to Plan G?
If the premium savings on 'G' are greater than the deductible amount, then 'G' makes more sense than 'F'. Often, the premium differences between these two plans are $300/year or more. In some cases, the premium difference can be as much as $500/year, making 'G' a “no-brainer”.