If you are about to turn 65 or already on Medicare, you have probably come across the names Plan G and Plan N. These are two of the most popular Medicare Supplement plans available, and many people look at them when they want extra help covering the costs that Original Medicare does not pay for.

So, which one is better for you in 2025? That depends on a few personal things, like how often you go to the doctor, how much you want to spend each month, and if you like having predictable medical bills.

Below, this Medicare Supplement provider in Schererville, Indiana is going to explain the main differences between Plan G and Plan N. Understanding these differences will ultimately help you make an informed decision.

What do these plans cover?

Let’s start with what these two plans have in common.

Both Plan G and Plan N cover Medicare Part A hospital coinsurance, hospice care, and skilled nursing facility care.  They also cover the 20% that Medicare Part B does not pay for outpatient care. These are routine doctor visits, tests, and other procedures.

The main difference between the two is how much they cover. Plan G is more complete. It pays for almost everything except for the yearly Medicare Part B deductible, which is $257 in 2025.

Plan N does not cover that deductible, and you pay a small fee when you visit the doctor or go to the ER. Usually, that is around $20 for a regular appointment and up to $50 if you go to the emergency room but are not admitted.

What has changed?

This year, Medigap premiums have gone up again, which is making many people re-evaluate what “value” really means. More people are asking themselves what they are getting for what they pay.

Some are deciding that paying a little less each month and dealing with the occasional copay could be a better deal overall. And that is what Plan N is for. If you are in good health and don’t go to the doctor too frequently, those small copays might not be a problem. Over time, Plan N could save you money.

But if you would rather not think about extra bills and like knowing everything is pretty much covered, then Plan G could feel safer.

Either way, you should consult with a Medicare supplement provider in Schererville, Indiana. They can help you look at actual numbers that reflect your situation, not just national averages.

What can you expect to pay?

In Indiana, Plan G usually costs around $124 per month. Plan N is a little cheaper, averaging about $110 per month.

The savings can be nice, but with Plan N, you will probably have a few copays here and there. For people who only go to the doctor occasionally, that might not matter much. But those extra costs can add up if you have ongoing health issues or see doctors more often.

An experienced Medicare Supplement provider can walk you through the real costs throughout the year. That way, you can get a clearer picture of what each plan might cost you in the long term.

Choosing a Medicare Supplement plan is not something to rush.

When choosing a Medicare Supplement plan, you are making a decision that affects your health and finances. It is not about the cheapest option but the best option for you.

Maybe you are drawn to Plan G because it covers nearly everything, or maybe you like that Plan N saves you a bit each month, and you don’t mind small copays. Either way, a good Medicare Supplement provider in Schererville, Indiana will take the time to listen to what is important to you. They will walk you through the details and help you think through the “what ifs” that can come up.

Looking for a Medicare Supplement Provider in Schererville, Indiana?

If you’re searching for a Medicare Supplement provider in Schererville, Indiana that can help you decide between Plan G, Plan N, or any other plan, Senior Care Insurance Services is the top choice. We are happy to discuss your options and help you choose a plan that makes sense for your health and budget. Contact us today to schedule an appointment with our agents.