Medigap Plan G
- Higher monthly premium
- Unpredictable annual rate increases
- Broad provider access with Original Medicare
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- info@capstoneinsurance.health
- 7206 Massachusetts Ave, New Port Richey, FL 34653
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[contact-form-7 id="25" title="Sidebar Form"]Florida Medigap Comparison
Medigap Plan G vs Plan N in Florida
Plan G offers more predictable coverage, while Plan N may provide a lower monthly premium in exchange for limited copays and possible excess charges.
This page compares the benefits, tradeoffs and projected long-term costs of Plan G and Plan N. You can also use our calculator below to compare Plan G, Plan N and a Medicare Advantage PPO over a period of up to 20 years.
Medigap Plan G vs Plan N: Benefit-by-Benefit Comparison
Plan G and Plan N are two of the most popular Medigap options in Florida. Both help cover many of the out-of-pocket costs left behind by Original Medicare, including major hospital expenses and Part B coinsurance.
The biggest differences usually appear at the doctor’s office. Plan G offers broader and more predictable coverage after the annual Part B deductible. Plan N generally has a lower monthly premium, but may include limited office visit and emergency room copays and does not cover Part B excess charges.
Neither plan is automatically better. Plan G emphasizes predictability. Plan N may reduce the monthly premium in exchange for limited cost-sharing. The right fit depends on how you use healthcare, your budget and how long you expect to keep the plan.
| Benefit | Plan G | Plan N |
|---|---|---|
| Monthly Premium | Higher, with more comprehensive and predictable coverage | Usually lower, with limited cost-sharing |
| Part A Hospital Costs and Coinsurance | ✓Covered | ✓Covered |
| Part B Office Visit Coinsurance | ✓Covered after the Part B deductible | ▲ Up to a $20 copay for some office visits |
| Emergency Room Visits When Not Admitted | ✓Covered after the Part B deductible | ▲ Up to a $50 copay Copay may apply when the visit does not result in admission. |
| Part B Excess Charges | ✓Covered | ✕Not covered |
| Skilled Nursing Facility Coinsurance | ✓Covered | ✓Covered |
| Foreign Travel Emergency | ✓ Covered Plan limits apply. | ✓ Covered Plan limits apply. |
| Part B Annual Deductible | ✕Not covered | ✕Not covered |
Benefits shown reflect standardized federal Medigap plan designs. Actual premiums vary by insurance company, age, rating method and location.
Why “Cheaper for Now” Is Not Always Smarter Long-Term
A lower starting premium can look like the obvious choice, especially when you are healthy and do not expect to use much care. But the decision is not only about what you save today. It is also about how premiums, copays and healthcare use may change over time.
Plan N can be a strong fit for someone who is comfortable with limited cost-sharing in exchange for a lower monthly premium. Plan G may be a better fit for someone who values predictable coverage and wants fewer variables when using healthcare.
Another important consideration is the ability to change Medigap coverage later. After your Medigap open enrollment period and any applicable guaranteed issue rights have passed, moving to a different Medigap plan may require medical underwriting. A future change in health can affect whether an application is approved and what coverage may cost.
That does not mean the lower-premium option is wrong. It means the decision should not be based on premium alone. The better question is whether the plan fits how you are likely to use healthcare for years to come and whether you are comfortable with the tradeoffs if your needs change.
The calculator below lets you test different assumptions and compare
projected long-term costs for Plan G, Plan N and a Medicare Advantage PPO.
Long-Term Cost Comparison
Medigap Plan G vs Plan N vs Medicare Advantage PPO Cost Calculator
Today’s premium is only the beginning. Adjust your age, ZIP code, projection period and health scenario to see how Plan G, Plan N and a Medicare Advantage PPO may compare over the next 5 to 20 years.
Long-Term Cost Comparison
Build Your Florida Medicare Cost Projection
Compare estimated premiums and medical costs for Medigap Plan G, Plan N and a Medicare Advantage PPO over the next 5 to 20 years.
1. Your Information
2. Healthcare Timeline
3. Results
ZIP not found. Select the closest region.
Non-smoker assumption: This calculator uses non-tobacco Medigap rates. Tobacco users may pay higher Medicare Supplement premiums.
How long do you want to compare costs?
Build Your Healthcare Timeline
Assign the number of years for each level of healthcare use. The total must equal your selected projection period. These are what-if assumptions, not a prediction of your future health.
0 of 15 years assigned
Annual Cost by Health Scenario
Select a scenario to see a one-year estimate. This preview does not change your long-term timeline.
Long-Term Total Costs
Customize Health Status by Year
Change any year's health status to see how a different healthcare scenario affects that year and your long-term totals.
Data Sources, PPO Cost Model & Assumptions
Modeled Medicare Advantage PPO Costs
These figures are not tied to one insurance company or plan. They are general assumptions used only to illustrate how PPO cost-sharing can affect the projection.
In-network MOOP$6,000
Primary care visit$0
Specialist visit$50
Urgent care$50
Emergency room$150
Physical therapy$50
Outpatient procedure$350
MRI / advanced imaging$250
Ambulance$250
Inpatient hospital$425/day, days 1–5
The modeled PPO copays and MOOP increase 3% annually. Actual Medicare Advantage benefits and cost-sharing vary by county, carrier and plan year.
- Florida AARP/UnitedHealthcare Plan G and Plan N non-tobacco rates effective June 2026 through May 2027.
- Medigap premiums are modeled with a 10% annual increase. This is an educational stress-test assumption, not a prediction of future carrier increases.
- Medicare Advantage PPO cost-sharing and MOOP are modeled with a 3% annual increase. Actual plans are redesigned annually.
- Plan G and Plan N include the annual Part B deductible. Plan N also includes modeled office-visit and emergency-room copays.
- The Complex / Catastrophic scenario uses the modeled in-network MOOP. Most members do not reach MOOP, but some do during years of extensive treatment or serious illness.
- Prescription drugs, Part B premiums, dental, vision, hearing, out-of-network charges and non-covered services are excluded.
Want a Personalized Medicare Comparison?
Your projection uses general assumptions. A licensed independent Medicare agent can compare your actual Florida options using your doctors, prescriptions, preferred hospitals and budget.
Educational estimate only — not an insurance quote or recommendation. Actual premiums, benefits and out-of-pocket costs vary by carrier, plan, location, eligibility and healthcare use. Contact Capstone Health before making a coverage decision.
Another Coverage Approach
What If Plan G or Plan N Is Not in the Budget?
Competitive Medicare Advantage PPO plans in Florida often have a $0 monthly plan premium, but members pay copays when they receive care. For some clients, adding a hospital indemnity plan can provide fixed cash benefits for covered hospital stays and other eligible services, helping offset part of that financial exposure.
This approach is not the same as owning Plan G, and it will not eliminate every Medicare Advantage cost. But for someone who cannot justify or comfortably afford a rising Medigap premium and still wants flexibility in how they receive care, a PPO paired with hospital indemnity coverage may create a more manageable balance between monthly cost and protection from larger copays.
Florida Medicare Advantage PPO
- Often a $0 monthly plan premium
- Ability to receive covered care outside the network, generally at a higher cost
- Annual maximum out-of-pocket limit for covered services
PPO + Hospital Indemnity
- Combined premiums may be lower than Medigap Plan G
- Fixed cash benefits may help offset covered copays
- Benefits paid to the member may help with hospital stays, outpatient surgery and skilled nursing facility costs
Some hospital indemnity plans may offer guaranteed-issue enrollment within specified age ranges. Availability, issue ages, renewal provisions, benefits and premiums vary by insurance company, product and state. Hospital indemnity coverage is supplemental insurance and does not replace Medicare Advantage, Original Medicare or Medigap coverage.
Continue Your Medicare Research
Want to learn more before deciding? Explore our in-depth guides to Medigap and Medicare Advantage plans to better understand how each option works.
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