Compare Medicare Supplement (Medigap) plans G, N, and F with premium cost analysis, coverage gap calculations, and out-of-pocket expense projections. Estimate total annual costs including premiums, deductibles, and copays to choose the best Medigap plan for your healthcare needs in 2025.
Frequently Asked Questions
Which Medicare Supplement plan is best in 2025 - Plan G or Plan N?
Plan G vs Plan N comparison (2025 analysis): Plan G (Most Popular): Covers everything except Medicare Part B deductible ($257 in 2025).
Premium: $120-$180/month average ($1,440-$2,160/year).
Total annual cost: Premium + $257 deductible = $1,697-$2,417.
Best for: Frequent doctor visits, chronic conditions, prefer predictable costs.
Plan N (Lower Premium): Premium: $85-$125/month ($1,020-$1,500/year).
Additional costs: Part B deductible $257 + $20 copay per office visit + $50 copay per ER visit (waived if admitted).
Example: 10 doctor visits/year = $257 + $200 copays = $457 extra.
Total annual cost: $1,477-$1,957.
Best for: Healthy seniors, <6 doctor visits/year, willing to accept copays for lower premium.
Breakeven: If premium difference is $35/month ($420/year), need <21 office visits ($20 copay) + ER visits ($50) to make Plan N cheaper.
Most seniors have 8-12 visits/year = $160-$240 copays + $257 deductible = $417-$497 → Plan N saves $0-$200/year.
Plan F (Closed to new enrollees): Only available if enrolled before 2020.
Covers Part B deductible + excess charges.
Premium: $180-$250/month.
Existing Plan F members: Stay if premium <$40/month more than Plan G (saves $257 deductible annually). 2025 recommendation: Plan G for simplicity + comprehensive coverage.
Plan N for healthy seniors wanting to save $200-$500/year.
Plan C/F grandfathered members should stay (cannot re-enroll if switch).
About This Page
Editorial & Updates
- Author: SuperCalc Editorial Team
- Reviewed: SuperCalc Editors (clarity & accuracy)
- Last updated: 2026-01-13
We maintain this page to improve clarity, accuracy, and usability. If you see an issue, please contact hello@supercalc.dev.
Financial/Tax Disclaimer
This tool does not provide financial, investment, or tax advice. Calculations are estimates and may not reflect your specific situation. Consider consulting a licensed professional before making decisions.