Plan G is the most comprehensive Medigap plan available to people who became eligible for Medicare after January 1, 2020. It covers everything Original Medicare doesn't — with one exception. You pay the Medicare Part B deductible out of pocket each year. In 2026, that deductible is approximately $257. After that, Plan G picks up 100% of your approved costs.
This includes the 20% coinsurance that Medicare Part B charges for outpatient services, doctor visits, lab work, durable medical equipment, and outpatient surgery. It also covers Part A hospital coinsurance, skilled nursing facility coinsurance, hospice care coinsurance, and up to 80% of foreign travel emergency care.
Plan N covers almost everything Plan G does, with two differences. First, you may owe a copay of up to $20 for some office visits and up to $50 for emergency room visits that don't result in an inpatient admission. Second, Plan N does not cover Part B excess charges — though these are rare and banned in most states.
Plan N premiums are typically $20 to $50 less per month than Plan G. That means you save $240 to $600 per year on premiums. But if you visit the doctor frequently, those $20 copays add up. The breakeven point is usually around 15 to 20 office visits per year.
Choose Plan G if you want zero surprises. You pay one annual deductible and then forget about medical bills for the rest of the year. This plan is ideal if you see specialists regularly or have ongoing health conditions.
Choose Plan N if you're relatively healthy and don't go to the doctor often. The lower premium saves you real money, and the occasional $20 copay won't break the bank.
Plan G from Mutual of Omaha covers the exact same things as Plan G from Aetna or Cigna. The plans are standardized by the federal government. The only thing that differs is the price. Rates can vary by $50 or more per month for identical coverage. Over 10 years, that's $6,000 or more.