Medigap Plan G vs. Plan N — Colorado 2026

The two most popular Medicare Supplement plans compared side by side. See exactly what each covers and which saves you more.

Medigap Plan G

Maximum Coverage · Most Popular

Plan G covers virtually all out-of-pocket costs after the annual Part B deductible.

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Part A Coinsurance & Hospital CostsCovered — up to 365 additional days

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Part B Coinsurance / CopaymentCovered — 100%

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Blood (First 3 Pints)Covered

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Skilled Nursing CoinsuranceCovered — days 21–100

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Part A Deductible ($1,736)Covered

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Part B Deductible ($283)NOT covered — you pay once/year

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Part B Excess ChargesCovered — 100%

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Foreign Travel Emergency80% covered

Best For: Maximum predictability. Pay $283/year deductible — Plan G covers the rest.

Medigap Plan N

Lower Premium · Small Copays

Plan N offers lower monthly premiums with small copays for some services.

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Part A Coinsurance & Hospital CostsCovered — up to 365 additional days

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Part B Coinsurance / CopaymentCovered — except up to $20/office visit, $50/non-admitted ER

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Blood (First 3 Pints)Covered

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Skilled Nursing CoinsuranceCovered — days 21–100

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Part A Deductible ($1,736)Covered

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Part B Deductible ($283)NOT covered

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Part B Excess ChargesNOT covered

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Foreign Travel Emergency80% covered

Best For: Healthy people wanting lower premiums. Save $30–$60/month with small copays when you visit.

Call for a Plan G vs. N Comparison — (720) 295-2611

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Written and reviewed by Darin Weidauer — licensed Colorado insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and U.S. Air Force veteran. Independent and appointed with 10 Colorado carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.