Medigap Plan G vs. Plan N in 2026: Costs, Coverage & Enrollment Rules
Original Medicare helps pay for hospital and medical care, but it does not pay every deductible, coinsurance amount, or copayment. A Medicare Supplement Insurance policy, commonly called Medigap , can help pay some of those remaining costs. Medigap is private insurance that works with Original Medicare Part A and Part B. It is not Medicare Advantage, and it does not replace your Part B premium, prescription drug coverage, or routine dental and vision care. For the broader choice between Original Medicare and Medicare Advantage, see Original Medicare vs. Medicare Advantage in 2026 . Key Point Plan G and Plan N are standardized Medigap options in most states. Their core benefits are set by law, but premiums can vary widely by insurer, location, age, pricing method, discounts, and enrollment timing. 1. What Is Medigap? Medigap is extra insurance sold by private companies to help with certain out-of-pocket costs under Ori...