Plan G

• Offers extensive coverage for beneficiaries, including all Part A and B coinsurance costs, skilled nursing facility coinsurance, and hospital stays beyond Medicare limits.

• It does not cover the Part B deductible, meaning you'll pay that out-of-pocket annually.

• Plan G also covers excess charges, which can arise if healthcare providers charge more than Medicare-approved amounts, and foreign travel emergencies.

• Ideal for those looking for comprehensive coverage with predictable costs​

Plan N

• Provides essential benefits similar to Plan G but with lower monthly premiums.

• Requires cost-sharing through copays: typically $20 for office visits and $50 for emergency room visits (if not admitted).

• It does not cover Part B excess charges, so beneficiaries might have to pay the difference between what Medicare covers and what the provider charges.

• Suitable for those who want solid coverage while keeping their premiums low​​.