Plan G vs Other Medicare Plans
Complete 2025 Comparison Guide
See how Medicare Supplement Plan G compares to Plan F, Plan N, and Medicare Advantage plans.
Plan G vs Plan F: Which is Better?
Key Differences
Plan F
Part B Deductible:Covered
Monthly Premium:Higher
Availability:Limited
Total Annual Cost:$240 + Premium
Note: Plan F is only available to those eligible for Medicare before 2020.
Plan G ⭐ RECOMMENDED
Part B Deductible:You pay $240
Monthly Premium:Lower
Availability:Available to all
Total Annual Cost:$240 + Lower Premium
Winner: Plan G typically costs less overall due to lower premiums.
💡 Why Plan G is Usually Better
- • Lower monthly premiums (often $20-50 less than Plan F)
- • Available to everyone (Plan F has eligibility restrictions)
- • Same comprehensive coverage after deductible
- • Better long-term value for most people
Plan G vs Plan N: Cost vs Convenience
Detailed Comparison
Plan G
Part B Coinsurance:100% Covered
Part B Excess Charges:100% Covered
Office Visit Copays:$0
Monthly Premium:Higher
Best for: People who want predictable costs and comprehensive coverage.
Plan N
Part B Coinsurance:100% Covered
Part B Excess Charges:Not Covered
Office Visit Copays:$20-50
Monthly Premium:Lower
Best for: People who want lower premiums and don't mind copays.
🤔 Which Should You Choose?
Choose Plan G if:
- • You want predictable costs
- • You see doctors frequently
- • You want comprehensive coverage
- • You can afford higher premiums
Choose Plan N if:
- • You want lower premiums
- • You don't mind small copays
- • You're generally healthy
- • You want to save money
Plan G vs Medicare Advantage
Major Differences
| Feature | Plan G | Medicare Advantage |
|---|---|---|
| Network Restrictions | No restrictions | Network required |
| Referrals Needed | No referrals | May need referrals |
| Monthly Premium | Higher | Lower |
| Out-of-Pocket Maximum | No maximum | $8,850 max (2025) |
| Prescription Coverage | Separate Part D needed | Usually included |
| Additional Benefits | Limited | Dental, vision, hearing |
Plan G Advantages
- • See any doctor that accepts Medicare
- • No network restrictions
- • No referrals needed
- • Predictable costs
- • No out-of-pocket maximum
- • Nationwide coverage
Medicare Advantage Advantages
- • Lower monthly premiums
- • Prescription drug coverage included
- • Additional benefits (dental, vision)
- • Out-of-pocket maximum protection
- • Some plans have $0 premiums
- • Coordinated care
Annual Cost Comparison
Example: 65-year-old in Illinois
Plan G
Monthly Premium:$180
Annual Premium:$2,160
Part B Deductible:$240
Part D Premium:$35
Annual Part D:$420
Total Annual:$2,820
Plan N
Monthly Premium:$140
Annual Premium:$1,680
Office Copays:$200
Part D Premium:$35
Annual Part D:$420
Total Annual:$2,300
Medicare Advantage
Monthly Premium:$0
Annual Premium:$0
Copays/Deductibles:$500
Prescription Costs:$300
Dental/Vision:$0
Total Annual:$800
Note: These are example costs. Your actual costs will vary based on your location, age, health, and specific plan choices.
Our Recommendation
⭐ Plan G is Our Top Choice for Most People
Why Plan G?
- • Best balance of cost and coverage
- • No network restrictions
- • Predictable costs
- • Available to everyone
- • Comprehensive coverage
When to Consider Alternatives
- • Plan N: If you want lower premiums
- • Medicare Advantage: If you want additional benefits
- • Plan F: If you're eligible and want zero deductible
Get Your Personalized Plan Comparison
Our Medicare experts will analyze your specific situation and recommend the best plan for your needs and budget.