Medigap plans fill the gaps Original Medicare leaves — deductibles, copays, and coinsurance. For 2026, most new enrollees choose between Plan G and Plan N. Here's how they compare.
A Medigap plan letter identifies a standardized supplement benefit package. Medicare parts describe different program coverage. Keep the terms separate when comparing a supplement and drug coverage.
No. The official Medigap costs guidance says insurers can charge different premiums for the same coverage. Compare like-for-like benefits and check the actual insurer quote rather than using a national average as a personal price.
Check the official purchase rules. The initial Medigap open enrollment period and guaranteed-issue protections are distinct from annual Medicare health and drug plan Open Enrollment. State protections may also affect your options.
Use the official benefit chart to compare the benefits, then look at the insurer’s price and rating method. Confirm that the quote is for your state and circumstances. This page cannot assess underwriting eligibility or predict future premium changes.
| Item | What it means |
|---|---|
| Plan benefit chart | Compares the covered benefit categories. |
| Insurer quote | Price for the policy and your circumstances. |
| Purchase rights | Enrollment timing and protections. |
Official sources: Medicare.gov official reference · Medicare.gov official reference · Medicare.gov official reference
Last reviewed: 2026-10-12 — the added explanation and linked sources only. Existing calculator outputs and earlier content require separate validation. Educational information; not individualized insurance, tax or medical advice.
Medigap helps pay some costs left by Original Medicare.
No. It supplements Original Medicare.
No. Medigap cannot pay Medicare Advantage out-of-pocket costs.
Official source: medigap (as of 2026-10-12).
Plan G covers nearly everything Original Medicare doesn't, except the $283 Part B deductible. Once you pay that deductible, your covered costs for the year are essentially zero. It's the most popular choice for new beneficiaries in 2026 and offers the most predictable budgeting.
Plan N has a lower monthly premium in exchange for small copays (up to $20 for office visits, $50 for ER) and it does not cover Part B excess charges — amounts a provider can bill up to 15% above the Medicare rate. Great for people who rarely see specialists and want to save on premium.
Plan F is the only plan that also covers the Part B deductible, but it's closed to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before then, you can still obtain or keep it; otherwise Plan G is the closest equivalent.
Medigap pairs with Original Medicare for nationwide access and predictable costs (higher monthly premium, you add a Part D drug plan). Medicare Advantage bundles everything with networks and often $0 premium. Compare them in our Advantage vs Original guide.
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New here? Start free →Plan G is the most popular choice for new enrollees because it covers everything except the $283 Part B deductible. Plan N is the top pick for people who want a lower premium and don't mind small copays.
Plan G has a higher premium but covers more — you only pay the Part B deductible. Plan N has a lower premium but adds small copays and does not cover Part B excess charges (up to 15% above Medicare rates).
Plan F is closed to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before then you can still enroll; otherwise Plan G is the closest option.
Figures on this page are verified against U.S. government primary sources: