Confused on which Medigap Plan to Choose?

Use this calculator to compare Plan G, Plan N, and High Deductible Plan G side by side.

This calculator helps you compare:

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Monthly cost differences

See how premiums compare today so you can understand the immediate cost of each plan option.

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Long-term total cost

Compare estimated costs over time based on premiums, doctor visits, and expected healthcare use.

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Which plan may fit you best?

Review the tradeoffs between lower premiums, predictable costs, and higher deductibles.

Compare Medigap Plans: G, N, and High Deductible G

The monthly payment is only part of the story. This calculator shows what each plan is likely to cost you over 5, 10, 15, 20, and 25 years — payments, deductibles, and copays combined.

Plan GCovers almost everything. You pay the Part B deductible, then the plan handles the rest.
Plan NLower monthly payment. You pay up to $20 for office visits and up to $50 for ER visits.
High Deductible Plan GLowest monthly payment. You pay medical costs up to an annual deductible before the plan pays.

Your Numbers

Use real quotes for your age and ZIP code if you have them.

Plan G

$/mo
%/yr

Plan N

$/mo
%/yr
visits
Up to $20 each
visits
Up to $50 each

High Deductible Plan G

$/mo
%/yr
Everyone is different. Drag the slider to what a normal year looks like for you.
$600
$0$2,950 (full deductible)
Healthy years sit near the bottom. A hospital stay hits the full deductible.

This Year's Costs

Long-Term Totals

Cost Over Time

Plan G Plan N High Deductible Plan G

Year by Year

What Each Plan Covers

BenefitPlan GPlan NHigh Ded. G
Part A hospital costs (up to 365 extra days)✓✓✓*
Part A deductible✓✓✓*
Part B coinsurance (the 20%)✓✓ after copays✓*
Part B deductibleYou pay itYou pay itCounts toward deductible
Part B excess charges✓✗✓*
Skilled nursing coinsurance✓✓✓*
Blood (first 3 pints)✓✓✓*
Hospice care coinsurance✓✓✓*
Foreign travel emergency80%80%80%*

* High Deductible Plan G pays these after you meet the annual deductible.

The High Deductible G Package

High Deductible G's trade-off is the deductible. The biggest single hit is usually a hospital stay. So I pair it with Deductible Protection — a hospital policy that sends cash straight to you after a covered stay. In this example, $1,800.

Package Payments

$/mo
Example rate. Get a real quote for your age and ZIP code.
$/mo
$/mo
Pick one. It pays cash to you after a covered diagnosis. That cash sits outside the math below.
$90
High Deductible G + Deductible Protection

Your Monthly Payment As You Age

Only the High Deductible G payment rises here. Deductible Protection and the cancer plan are held at their starting rate — the cancer plan locks in at the age you buy it, and hospital indemnity rates have been stable, though they are not guaranteed.

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Important: This calculator gives estimates for illustration only. Real costs depend on the insurance company, where you live, your health, and how plan payments actually change over time. Nobody can predict future rate increases. Confirm current figures with a licensed agent and Medicare.gov before making a decision.

I give Folks honest, personal help with Medicare + Life Insurance— so you can make a confident decision and avoid costly mistakes. Built on personal experience. Backed by 600+ 5-star reviews.

We do not offer every plan available in your area. We only offer plans we feel are worth your time and money and have a good track record. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options

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