How to Choose Medicare Supplement Plans Wisely: Comparing Plan G vs. Plan N
- Howard Shanley
- 7 days ago
- 4 min read
Understanding Medicare Supplement Plans (Medigap)
What Are Medicare Supplement Plans and Why You Might Need One
If you’re turning 65 or new to Medicare, you’ve probably already realized that Original Medicare (Parts A and B) doesn’t cover everything. That’s where Medicare Supplement Insurance (Medigap) comes in. These plans help fill the “gaps” (Where the term Medi-Gap plan comes from) in Medicare coverage—like deductibles, coinsurance, and copayments—so you’re not left with unexpected out-of-pocket costs.
How Medicare Supplement Coverage Works with Original Medicare
When you receive care, Medicare pays first, and your supplement plan pays second—depending on the plan you choose. This can give you peace of mind knowing your medical expenses are predictable and manageable, especially if you travel or see multiple specialists.
How to Choose a Medicare Supplement Plan That Fits Your Needs
Factors to Consider When Choosing a Medicare Supplement
Choosing the right Medicare supplement plan is a personal decision based on:
Your budget (monthly premiums vs. out-of-pocket costs)
How often you visit doctors or specialists
Whether you prefer predictable costs or lower premiums
How much flexibility you want when traveling or seeking care
Why It’s Important to Compare Plan G and Plan N Before You Decide
While there are several Medigap plans available, Plan G and Plan N are among the most popular in South Carolina and nationwide. They both offer comprehensive coverage, but the details—and costs—differ enough to influence your choice.
Medicare Supplement Plan G Explained
What Plan G Covers and What It Doesn’t
Plan G is often considered the most comprehensive Medigap plan available to new enrollees. It covers:
Medicare Part A coinsurance and hospital costs
Part B coinsurance or copayments
Blood (first 3 pints)
Hospice care coinsurance
Skilled nursing facility coinsurance
Part A deductible
Foreign travel emergency coverage (up to plan limits)
The only major expense Plan G doesn’t cover is the Medicare Part B deductible ($257 in 2025 and will increase to $288 in 2026).
Pros and Cons of Medicare Supplement Plan G
Pros:
Predictable costs and broad coverage
Minimal out-of-pocket expenses
Accepted nationwide — great for travelers
Cons:
Higher monthly premiums than Plan N
You must pay the Part B deductible each year (Both Plan G & Plan N require you to have to pay the Part B deductible)
Medicare Supplement Plan N Explained
What Plan N Covers and What It Doesn’t
Plan N offers very similar coverage to Plan G but comes with a few trade-offs:
Covers Part A coinsurance, hospice care, and skilled nursing
Covers Part B coinsurance (except for a small copay: up to $20 for doctor visits and $50 for ER visits if not admitted)
Pros and Cons of Medicare Supplement Plan N
Pros:
Lower monthly premiums than Plan G
Great option for those in good health
Excellent nationwide acceptance
Cons:
Small copays for office and ER visits
Doesn’t cover Part B excess charges (some specialists may bill more than Medicare’s approved amount)
Comparing Plan G vs. Plan N: Which One Is Right for You?
Cost Differences Between Plan G and Plan N
In Upstate South Carolina, the average monthly premium difference between Plan G and Plan N can range from $15–$30 per month depending on your age and the insurance company you choose. That might not sound like much—but over time, those savings add up. (Plan G additional premium on average of $180 to $360 annual vs. Plan N)
Out-of-Pocket Differences and Copays
Plan G gives you simplicity: one predictable premium and virtually no bills. Plan N gives you flexibility: lower premiums, but some copays and potential excess charges.
Which Medicare Supplement Offers the Best Value in 2025?
If you prefer budget certainty, Plan G may be worth the higher premium. If you’re generally healthy and don’t visit doctors often, Plan N could save you hundreds each year.
Why Work with a Local Medicare Specialist in Upstate SC
The Benefits of Choosing a Trusted Agency Since 1999
At the Shanley Insurance Agency we’ve helped Upstate SC residents make confident Medicare decisions since 1999. We take time to explain your options clearly and help you compare Plan G vs. Plan N side by side. Because we’re local, we understand South Carolina’s market, available carriers, and how to find the most cost-effective supplement plans for your situation.
FAQs About Medicare Supplement Plans
1. When can I enroll in a Medicare supplement plan?You can enroll anytime, but your best window is the Medigap Open Enrollment Period—the six months after you enroll in Part B.
2. Do Medicare Supplement premiums increase over time?Yes, they can. Rates are influenced by your age, location, and carrier.
3. Can I switch from Plan N to Plan G later?Yes, but you may need to answer health questions depending on your timing and insurer.
4. Are Plan G and Plan N available everywhere?Yes, both plans are available in most states, including South Carolina.
5. What’s the difference between Medicare Advantage and Medigap? Medigap works with Original Medicare, while Medicare Advantage replaces it. Medigap gives you more freedom of choice with providers.
6. Does a Medicare Supplement plan cover prescription drugs? No, you will have to purchase a stand along prescription drug card with an insurance company. Drug formulas change each year and it is recommended that you look at all options each year during Medicare’s Annual Enrollment period.
7. How do I get personalized quotes in Upstate SC? Contact our office today for a free, no-obligation Medicare supplement comparison. We’ll help you understand your options and find the plan that fits your needs.
We represent:
Humana
United Healthcare
Blue Cross / Blue Shield
Aetna
Cigna
Wellcare
Physicians Mutual
Conclusion: Making the Right Medicare Supplement Decision for Your Future
Choosing the right Medicare Supplement plan doesn’t have to be complicated. By understanding the differences between Plan G and Plan N, you can make a confident choice that balances coverage, cost, and peace of mind.
If you’re in Upstate South Carolina, our trusted agency—which has been helping Upstate SC residents with their health insurance needs since 1999. Licensed in South Carolina & Georgia, we can help guide you every step of the way. Let’s make Medicare simple, together. Contact our office today to set-up a "Free Consultation".
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