Choosing the right Medicare Supplement Plan in 2025 can significantly reduce your healthcare expenses, but with multiple options available, knowing the difference between Medicare Plan F, G, and N in 2025 is essential. Each of these Medigap plans offers a different level of coverage, cost-sharing, and eligibility criteria.
Skyline Benefit is a trusted Medicare insurance broker in California that helps individuals compare Medigap plans to find the one that best suits their healthcare needs and budget in 2025. In this blog, we’ll clearly explain how Plans F, G, and N differ in terms of benefits, eligibility, and costs so you can feel confident in your Medicare decision.
What Are Medicare Supplement Plans (Medigap)?
Medigap plans are private insurance policies designed to fill the “gaps” in Original Medicare. These gaps include out-of-pocket costs like:
- Copayments
- Coinsurance
- Hospital deductibles
Medigap plans are standardized and labeled with letters (A–N), and the benefits are the same regardless of the insurance company. However, premiums may vary depending on the carrier, location, and your age.
Who Can Enroll in Medicare Plan F in 2025?
Plan F is the most comprehensive Medigap plan, but it’s only available to people who became eligible for Medicare before January 1, 2020. If you qualified for Medicare before this date (even if you didn’t enroll yet), you may still be able to buy Plan F during your Medigap Open Enrollment Period or with a guaranteed issue right.
Plan F Coverage Includes:
- 100% of Medicare Part A coinsurance and hospital costs
- 100% of Medicare Part B coinsurance and copayment
- Part A and B deductibles
- Skilled nursing facility care coinsurance
- Foreign travel emergency coverage (up to plan limits)
- Excess charges under Part B
High-deductible option: In 2025, Plan F also offers a high-deductible version where you pay the first $2,870 before full benefits kick in.
What Does Medicare Plan G Cover in 2025?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees in 2025. It covers everything Plan F covers except the Medicare Part B deductible.
Plan G Coverage Includes:
- 100% of Medicare Part A coinsurance and hospital costs
- 100% of Medicare Part B coinsurance (after deductible)
- Skilled nursing facility care coinsurance
- Part A deductible
- Foreign travel emergency coverage
- Part B excess charges
Plan G does not cover the Part B deductible of $240 in 2025.
High-Deductible Plan G in 2025:
Just like Plan F, there’s a high-deductible version of Plan G with a $2,870 deductible before full benefits begin.
What Makes Medicare Plan N Different in 2025?
Plan N offers lower monthly premiums but includes some cost-sharing. It’s a good choice for people who don’t go to the doctor frequently and want a balance between coverage and affordability.
Plan N Coverage Includes:
- 100% of Medicare Part A coinsurance and hospital costs
- 100% of Part B coinsurance, except:
- Up to $20 copay for doctor visits
- Up to $50 copay for ER visits (waived if admitted)
- Covers Part A deductible
- Skilled nursing facility care coinsurance
- Foreign travel emergency coverage
Plan N does not cover the Part B deductible or Part B excess charges.
Quick Comparison: Medicare Plan F vs G vs N in 2025
Here’s a simplified comparison of the three plans:
- Plan F: Covers everything, including the Part B deductible — only available to those eligible before 2020. Higher premiums.
- Plan G: Covers almost everything except the Part B deductible. Ideal for new Medicare enrollees. Moderate premiums.
- Plan N: Lower premiums, small copays for doctor/ER visits, does not cover Part B deductible or excess charges.
Who Should Consider Each Plan?
Plan F Might Be Right for You If:
- You became eligible for Medicare before January 1, 2020
- You want full coverage with no out-of-pocket costs.
Plan G Might Be Best If:
- You’re newly eligible for Medicare in 2025
- You want comprehensive coverage with predictable costs.
Lastly, Plan N May Be Ideal If:
- You want lower premiums.
- You don’t mind occasional copays.
- You rarely visit the doctor or specialists.
When Is the Best Time to Enroll in a Medigap Plan?
Your Medigap Open Enrollment Period begins the first month you are 65 or older and enrolled in Medicare Part B. During this 6-month window:
- You cannot be denied coverage for pre-existing conditions.
- You won’t be charged more based on your health.
- You’ll get the best premium rates.
If you miss this window, you may still be able to enroll later, but underwriting may apply.
How Much Do Medigap Plans Cost in 2025?
Costs vary by state, age, gender, and insurer. Here’s a general breakdown:
- Plan F: $180 – $250/month (higher premiums, full coverage)
- Plan G: $130 – $200/month (moderate premiums, strong coverage)
- Plan N: $100 – $170/month (lower premiums, cost-sharing for visits)
These are estimated ranges. Always compare quotes from different insurers.
Need Help Choosing Between Medicare Plan F, G, and N in 2025?
Skyline Benefit is an independent Medicare insurance broker that offers affordable and flexible Medigap options. Selecting the best Medigap plan in 2025 can be overwhelming; our mission is to simplify the process and help our clients every step of the way.
Schedule a consultation today. Call us at: (714) 888-5112