The answer
What is the difference between Medigap Plan N and Plan G?
Medigap Plan N usually has a lower monthly premium than Plan G, but in exchange you share a few costs that Plan G fully covers.
Both are standardized Medicare Supplement policies (private coverage that pairs with Original Medicare). With Plan N, after you meet the Part B deductible ($283 in 2026), you pay a copay of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission, and Plan N does not cover Part B excess charges (extra amounts some doctors can bill above the Medicare-approved rate). Plan G covers those excess charges and has no office or ER copays. So Plan N can save you money each month if you do not have frequent visits and your doctors accept Medicare's approved amount, while Plan G offers more complete coverage for a higher premium. The right choice depends on how often you see doctors and your budget.