Question 1

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

Accepted Answer

Plan G covers Part A deductible, Part B excess charges, skilled nursing coinsurance, and foreign travel emergencies. Plan N has lower premiums but requires copays (up to $20 for ER/doctor visits) and does not cover Part B excess charges. Both require you to pay the Part B deductible ($240 in 2024).

Question 2

Why is Plan F not available to new Medicare enrollees?

Accepted Answer

Plan F was closed to new enrollees on January 1, 2020, because it covered the Part B deductible which Congress eliminated for new plans. If you were eligible for Medicare before 2020, you may still enroll in Plan F.

Question 3

When is the best time to buy Medigap insurance?

Accepted Answer

The best time is during Medigap Open Enrollment Period, which starts when you are 65+ and enrolled in Part B. This 6-month window guarantees issuance without medical underwriting at the best available rates.

Question 4

Do Medigap premiums increase with age?

Accepted Answer

Yes, Medigap premiums typically increase with age. The age factor ranges from 1.0 (under 70) to 1.45 (80+). Some states use community-rated pricing where everyone pays the same premium regardless of age.

Question 5

How does tobacco use affect Medigap premiums?

Accepted Answer

Tobacco users typically pay about 20% higher premiums for Medigap plans. This surcharge applies during underwriting and may vary by insurer and state regulations.

Medicare Supplement Plan Comparison Calculator

Plan G Premium

Plan G Coverage

Annual Premium Summary

Plan G vs Plan F Comparison

Medigap Key Points