What to Know About Medicare Supplement Plans C, F, G, And N
Key Takeaways
- If you became eligible for Medicare on or after January 1, 2020, you cannot purchase Plans C and F, but Plans G and N are among the Medicare Supplement Insurance (Medigap)Medicare Supplement Insurance (Medigap) is designed to provide coverage that Original Medicare (Parts A and B) does not. Medigap policies are purchased in addition to Original Medicare and have their own monthly premiums you’ll need to pay.plans you can still purchase.
- Plans F and G have a standard version and a high-deductible option in some states. With the high-deductible option, you have to pay a certain amount out of pocket before plan benefits begin.
- While Plan N pays 100% of the Part B coinsurance, providers are allowed to require copays up to $20 for doctor’s visits and up to $50 for emergency room visits.
Comparing Medicare Supplement Insurance (Medigap) plans can be overwhelming. With 10 different supplemental plans available in most states, it can be challenging to figure out what each plan offers and what has changed. Let’s take a look at the details you need to know for Plans C, F, G and N.
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Medicare Supplement Plan F
What You Need to Know
Like Plan C, you can’t enroll in Plan F if you are new to Medicare. If you did not enroll but were eligible before January 1, 2020, you may still be eligible to sign up for a plan. Additionally, you can keep your plan if you already have Plan F. Some states offer Plan F with a high deductible.
What is High Deductible Plan F?
The coverage for a high-deductible Plan F is nearly the same as Medicare Supplement Plan F, but you’re required to satisfy an annual deductible before the plan begins to pay like a normal Plan F. Like the standard Plan F, you can’t join a high-deductible Plan F if you first became eligible for Medicare after 2020.
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Medicare Supplement Plan G
What You Need to Know
Suppose you’re enrolling in Medicare for the first time and cannot enroll in Plans C or F. In that case, you may want to consider joining Plan G. It’s a comprehensive plan, covering many of the costs associated with Original Medicare.
Original Medicare is a fee-for-service health insurance program available to Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance).
However, Plan G doesn’t pay the Part B deductible, as Plan F does. You also can join a high-deductible Plan G in some states.What is High Deductible Plan G?
A high-deductible Plan G requires you to pay an annual deductible before the plan begins to pay. Once you reach the deductible, you will receive the coverage of a regular Plan G. Monthly premiums tend to be lower than regular Plan G because of the high deductible.
Medicare Supplement Plan N
What You Need to Know
Plan N pays 100% of the Part B coinsurance, but there are exceptions:
- Copay of $20 on some office visits
- Copay of $50 for emergency room visits that don’t include inpatient hospital admission
Compare Medicare Supplement Plans
We’ve created a quick reference chart for a side-by-side comparison for Plan C, F, G, and N. If you are interested in all Supplement Plans, visit our Medigap Coverage Comparison page. Please note, any percentage less than 100% requires you to pay the remaining cost.
Please note that Medigap coverage policies are not the same if you live in Massachusetts, Minnesota, or Wisconsin.
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Plan C
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits run out
- 100%
Medicare Part B coinsurance or copayment
- 100%
Blood (first three pints) for a medical procedure
- 100%
Part A hospice care coinsurance or copayment
- 100%
Skilled nursing facility care coinsurance
- 100%
Part A deductible
- 100%
Part B deductible
- 100%
Part B excess charges
–
Foreign travel emergency up to plan limits
- 80%
Out-of-pocket limit
N/A
Plan F
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits run out
- 100%
Medicare Part B coinsurance or copayment
- 100%
Blood (first three pints) for a medical procedure
- 100%
Part A hospice care coinsurance or copayment
- 100%
Skilled nursing facility care coinsurance
- 100%
Part A deductible
- 100%
Part B deductible
- 100%
Part B excess charges
- 100%
Foreign travel emergency up to plan limits
- 80%
Out-of-pocket limit
N/A
Plan G
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits run out
- 100%
Medicare Part B coinsurance or copayment
- 100%
Blood (first three pints) for a medical procedure
- 100%
Part A hospice care coinsurance or copayment
- 100%
Skilled nursing facility care coinsurance
- 100%
Part A deductible
- 100%
Part B deductible
–
Part B excess charges
- 100%
Foreign travel emergency up to plan limits
- 80%
Out-of-pocket limit
N/A
Plan N
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits run out
- 100%
Medicare Part B coinsurance or copayment
- 100%
Blood (first three pints) for a medical procedure
- 100%
Part A hospice care coinsurance or copayment
- 100%
Skilled nursing facility care coinsurance
- 100%
Part A deductible
- 100%
Part B deductible
–
Part B excess charges
–
Foreign travel emergency up to plan limits
- 80%
Out-of-pocket limit
N/A
- Plan F and Plan G also offer a plan with a high deductible in some states. You must pay an annual deductible before the plan begins to pay.
- As of January 1, 2020, new Medicare enrollees are not eligible for Plan C or Plan F. If you were eligible for Medicare before January 1, 2020, but did not enroll, you may still be eligible.
- Plan N pays 100% of the Part B coinsurance except for copays of up to $20 for doctor visits and up to $50 copay for emergency room visits that don’t include inpatient admission.
- If you are interested in all Supplement Plans, visit our Medigap Coverage Comparison page.
Are Medigap Plan C and Medicare Part C the same?
No. Even though Medigap Plan C and Medicare Part C sound similar, they are very different. Medigap is Medicare Supplement Insurance that helps cover costs if you have Original Medicare. Medicare Part C (also known as Medicare Advantage) is an alternative to Original Medicare, combining Parts A, B and sometimes D. Medicare Part C plans may also include additional benefits like dental, vision and hearing. You can’t be enrolled in both Plan C and Part C at the same time.
How can I enroll in a Medicare Supplement plan?
To be eligible for a Medicare Supplement plan, you must enroll in Original Medicare (Parts A and B). The Medigap open enrollment period lasts six months. It begins the first month you turn 65 and are enrolled in Part B. You can enroll through a private insurance company (via their websites or by phone) or by connecting with a GoHealth licensed insurance agent.
Are there other options rather than enrolling in a Medigap plan?
Yes. Consider enrolling in a Medicare Advantage (Part C) plan, an alternative to Original Medicare that comes with additional benefits and features the protection of an out-of-pocket maximum; something that is not offered by Original Medicare or by most Medigap plans.
Sources
- How to compare Medigap policies. Medicare.gov.
This website is operated by GoHealth, LLC., a licensed health insurance company. The website and its contents are for informational and educational purposes; helping people understand Medicare in a simple way. The purpose of this website is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Our mission is to help every American get better health insurance and save money.
Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.