Medicare Supplement Plan G vs. Plan N in Katy, Texas

What Plan G and Plan N have in common

Both plans work alongside Original Medicare and let you see any provider nationwide that accepts Medicare. Both leave the annual Part B deductible to you. Neither covers prescription drugs — a separate Part D plan is needed for that.

Where they differ

Plan N can require copayments for some office visits and emergency-room visits, and it does not cover Part B excess charges (amounts a provider may charge above the Medicare-approved amount, where permitted). Plan G covers those items after the Part B deductible. In exchange, Plan N premiums are often lower than Plan G premiums from the same insurer — compare actual quotes rather than assuming.

• Plan G: broader cost coverage after the Part B deductible
• Plan N: copays on some visits; no coverage of Part B excess charges
• Both: same standardized benefits from every insurer offering them

Enrollment timing and underwriting

Your federal six-month Medigap Open Enrollment Period starts the first month you are 65 or older and enrolled in Part B — during it, an insurer cannot use health underwriting. Outside that window and other guaranteed-issue rights, insurers can ask health questions and can decline coverage. Texas does not add a broad annual open-enrollment right for Medigap, so timing matters.