Medigap Plan Comparison Calculator

Calculator Settings

Monthly Premiums

Annual Premium Increases (%)

Plan N Usage (Annual)

HD Plan G Healthcare Spending

Plan G

$0
20-Year Total

Plan N

$0
20-Year Total

HD Plan G

$0
20-Year Total

Plan Comparison Overview

Medigap Plan G

  • Covers Part A deductible
  • Covers Part B excess charges
  • You pay Part B deductible ($257 in 2025)
  • Comprehensive coverage
  • No copays for office visits

Medigap Plan N

  • Covers Part A deductible
  • You pay Part B deductible ($257 in 2025)
  • $20 copay for office visits
  • $50 copay for ER visits (waived if admitted)
  • Lower premiums than Plan G

High Deductible Plan G

  • Same benefits as Plan G after deductible
  • High deductible: $2,870 in 2025
  • You pay Original Medicare costs up to deductible
  • Much lower premiums
  • Good for healthy individuals

Year-by-Year Cost Breakdown

Year Age Plan G Plan N HD Plan G Best Value
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Important Disclaimer

This calculator is for illustration purposes only and provides estimates based on the inputs you provide. Actual costs may vary based on insurance company rates, regional differences, health status, and other factors. Medicare Supplement premiums can change annually and vary by carrier and location. This tool should not be used as the sole basis for making insurance decisions. Please consult with a licensed insurance agent or Medicare specialist for personalized advice and current rates in your area.

Projections assume a yearly increase of 6.36% for the Part B deductible (based on Medicare Board of Trustee Projections) and HDG deductible limit increases by 2.45% per year based on historical averages.