What is the difference between Medigap Plan G and Plan N?

Plan G covers everything except the small annual Part B deductible, no copays, no coinsurance. Plan N has a lower premium but charges up to $20 per office visit, up to $50 per ER visit (waived if admitted), and does not cover Part B excess charges if a provider charges them.

What is High-Deductible Plan G?

High-Deductible Plan G works just like regular Plan G after you meet the annual deductible ($2,870 in 2025). Until that point you pay your Medicare-approved Part A and Part B costs out of pocket. The trade-off is a much lower monthly premium, often $50 or less in Arizona.

Are Part B excess charges common?

Excess charges occur when a provider does not accept Medicare assignment and charges up to 15% above the Medicare-approved amount. They are rare in Arizona, most Medicare-participating providers accept assignment, but Plan N does not cover them, while Plan G does.

Can I switch between Medigap plans later?

You have a guaranteed right to enroll in any Medigap plan during your six-month Medigap Open Enrollment Period that begins when you are 65 and enrolled in Part B. Outside that window you can usually still apply, but carriers may use medical underwriting and decline you or charge more. Some states have special rules, Arizona is not a guaranteed-issue state, so timing matters.

Medigap Plan G vs Plan N vs High-Deductible G

Compare annual cost across the three most popular Medicare Supplement plans.

How to use this calculator

If you already have premium quotes for Plan G, Plan N, or High-Deductible G, type them in. If not, the defaults are typical Arizona rates for someone turning 65.
Estimate how many doctor or specialist visits you will have this year. Plan N charges a $20 copay per visit — Plan G does not.
Leave Part B excess charges at $0 unless you know your doctor does not accept Medicare assignment. In Arizona, almost all providers do — so this is rare.
The orange-bordered card is the cheapest plan based on your inputs. The break-even table at the bottom shows how each plan compares as your visits go up.

Tip: Plan G is most popular because it is predictable — small Part B deductible ($283 in 2026), then almost nothing else out of pocket. High-Deductible G is the cheapest in a healthy year, but you could pay up to $2,950 out of pocket if you have a bad one. Plan N rewards you for staying healthy with a lower premium and small visit copays.

Premiums (Arizona estimates)

Plan G premium /mo Plan N premium /mo High-Deductible Plan G premium /moGet exact rates for your ZIP from a licensed broker.

Expected Healthcare Use

Doctor / specialist visits / year ER visits / year

Part B excess charges / year (Plan N only)Most AZ doctors don’t charge excess fees, but Plan N doesn’t cover them if they do. Other Part A/B out-of-pocket /yr (HDG only)Estimate of additional medical bills from labs, imaging, hospital stays. HDG charges these to your deductible.

Annual Cost By Plan

Plan G

Cost vs. number of doctor visits

Visits/yr	Plan G	Plan N	HDG

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Disclaimer: Premium estimates are approximate Arizona rates as of 2026 and vary by carrier, ZIP, age, and tobacco status. The High-Deductible Plan G annual deductible is $2,950 in 2026; Plan N copays are up to $20 per office visit and up to $50 for ER (waived if admitted). This tool is for education only and is not insurance, financial, or medical advice. We do not offer every plan available; please contact Medicare.gov or 1-800-MEDICARE for help with all options.