What to Know About Medicare Supplement Plans C, F, G, And N
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Reviewed by: Selah Lee, Licensed Insurance Agent
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) 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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Call TodayMedicare Supplement Plan C
What You Need to Know
Plan C is not available to new Medicare enrollees as of January 1, 2020. You may still be able to enroll if you were eligible for Medicare before 2020 but did not join a Medigap plan. If you already have Plan C, you can keep your plan.
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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Call TodayMedicare 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. 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
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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.
Medicare Supplement Plans Comparison Chart
Benefits: 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
Benefits: 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
Benefits: 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
Benefits: 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.
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