[Medicare Series Part 4] Medigap Deep Dive: Plan G vs. Plan N and Enrollment Rules (2026 Guide)
In our previous guide [ Medicare Series Part 3 ] , we explored the massive fork in the road for American retirees: choosing between the absolute nationwide freedom of Original Medicare and the cost-effective, bundled convenience of Medicare Advantage (Part C). If you chose the path of Original Medicare, you unlocked access to over 90% of doctors and hospitals across the United States without needing any specialist referrals. However, you also unlocked a terrifying financial reality: Original Medicare only covers 80% of your medical bills, leaving you with an uncapped, unlimited 20% co-insurance risk . A single major surgery or cancer treatment could completely wipe out your lifelong retirement savings. Fortunately, smart retirees utilize a powerful private shield to erase this 20% black hole completely. It is called Medigap (Medicare Supplement Insurance) . Here is Part 4 of our series, analyzing what Medigap is, comparing the top options (Plan G vs. Plan N), and breaking d...