Plan G vs Plan N
Plan G usually has the higher monthly premium but fewer surprise costs. Plan N can lower the premium, but you should compare that savings against office visit copays, ER copays, and possible Part B excess charges.
Tools
Medicare Supplement Plan G vs Plan N calculator
Use this free Medicare Supplement calculator to compare estimated 2026 annual costs for Plan G, Plan N, High Deductible Plan G, and a High Deductible Plan G plus hospital indemnity structure. Use it as a conversation starter, not a guarantee of costs.
Quick answer
How to calculate Medicare Supplement costs
To compare Medicare Supplement plans, estimate the total annual cost instead of looking only at the monthly premium. Multiply the premium by 12, then add the Part B deductible, expected Plan N copays, possible coinsurance exposure, and any hospital or high-deductible scenario you want to test.
This tool compares Plan G, Plan N, High Deductible Plan G, and HDG plus hospital indemnity using 2026 Medicare figures and assumptions you can adjust for your own doctor visits and budget.
Best used for
- Estimating Plan G vs Plan N break-even points.
- Testing High Deductible Plan G against lower premiums and higher risk.
- Printing a PDF summary before a Medicare review appointment.
- Starting a Medicare Supplement conversation before requesting exact carrier quotes.
High Deductible Plan G
High Deductible Plan G can look attractive because the monthly premium is lower. The tradeoff is that you keep more first-dollar risk before the policy begins paying covered costs.
Premium is not the whole cost
The useful comparison is annual premium plus expected out-of-pocket exposure. For the plain-English walkthrough, read how to use a Medicare Supplement calculator.
Need exact rates?
This calculator is not a quote engine. For actual carrier rates by ZIP code, age, tobacco status, and household discount, schedule a free review.
Jon Perkins, RN, BSN - Licensed Independent Medicare Advisor
816-291-3655 - [email protected] - jonperkinsmedicare.com/resources/medicare-plan-calculator/
Current inputs
Estimated annual cost
Break-even
What the premium savings have to overcome
Scenarios
Fixed benchmark comparison
Healthy: 0 visits. Moderate: 4 primary and 2 specialist visits. Major medical: 6 primary, 4 specialist, and one hospital stay.
10-year illustration
Premium trajectory
Hypothetical only. Future premiums cannot be predicted. Change the assumptions below to show directional impact.
Fixed 2026 Medicare values: Part B deductible $283, Part A inpatient hospital deductible $1,736 per benefit period, High Deductible Plan G deductible $2,950, and Plan N office visit copay up to $20. Visit coinsurance, premiums, HIP premium, HIP benefit, and future premium growth are estimates.
CMS: 2026 Medicare Parts A and B premiums and deductibles CMS: Medigap high deductible options F, G, and J Medicare.gov: Compare Medigap plan benefits
This tool is for education and comparison only. It does not quote every carrier, guarantee benefits, guarantee premium rates, or replace a plan-specific review. Hospital indemnity products vary by carrier and policy terms. We do not offer every plan available in your area. Contact Medicare.gov, 1-800-MEDICARE, or your SHIP for all options.
Common questions
Medicare Supplement calculator FAQ
How do I calculate Medicare Supplement costs?
Start with the monthly Medicare Supplement premium, multiply it by 12, then add the Medicare Part B deductible, expected copays, estimated coinsurance, and any scenario-specific costs that apply to the plan you are comparing.
Does this calculator compare Plan G and Plan N?
Yes. The calculator compares estimated annual costs for Medicare Supplement Plan G and Plan N, including monthly premium assumptions, the 2026 Part B deductible, Plan N office visit copays, and adjustable visit estimates.
Can this calculator quote my exact Medicare Supplement premium?
No. It is an educational comparison tool, not a carrier quote. Actual Medicare Supplement premiums vary by ZIP code, age, tobacco status, household discount, carrier, and underwriting status.
What 2026 Medicare values are used in this calculator?
The calculator uses 2026 Medicare values including the Part B deductible of $283, Part A inpatient hospital deductible of $1,736 per benefit period, and High Deductible Plan G deductible of $2,950.