What both generally cover
In most states, both Plan G and Plan N help with Part A deductible and coinsurance, Part B coinsurance (with a Plan N copay in some office and ER visits), blood, hospice, and skilled nursing coinsurance. Plan G also covers Part B excess charges; Plan N does not.
Where they differ
Plan G typically has a higher premium and then little Part B cost-sharing after the Part B deductible. Plan N typically has a lower premium, plus copays (often up to $20 for some office visits and up to $50 for ER visits that don’t result in admission) and no coverage for Part B excess charges. Actual copay rules are set in the standardized outline of coverage.
How to choose between them
Consider how often you see doctors, whether your physicians accept Medicare assignment (excess charges), and whether you prefer a higher premium with fewer surprise bills. A licensed agent can show current premiums in your ZIP code without implying a guaranteed outcome.
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2026 figures
Plan G vs Plan N cost sketch
You type the premiums. We add 2026 Part B deductible and Plan N copays. Not a quote.