--- title: "Medigap Plans 2026: Plan G vs N Rates (Save $800+/yr)" description: "Compare Medigap Plan G, Plan N, and High-Deductible G with real pricing, enrollment rules, and help choosing the right fit." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Dalton Insurance Agency", "description": "Independent Medicare brokerage serving Alabama, Georgia, Florida, Tennessee, Mississippi, South Carolina, North Carolina, Louisiana, and Illinois. Founded by Dr. Tyler Dalton, PharmD.", "url": "https://dalton-insuranceagency.com", "telephone": "+1-334-489-3624", "email": "tyler@daltoninsurance.biz", "logo": "https://dalton-insuranceagency.com/favicon-dia-preview.png", "image": "https://dalton-insuranceagency.com/og-image.png", "address": { "@type": "PostalAddress", "streetAddress": "221 E South Street", "addressLocality": "Dadeville", "addressRegion": "AL", "postalCode": "36853", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 32.8312, "longitude": -85.7636 }, "areaServed": [ { "@type": "State", "name": "Alabama" }, { "@type": "State", "name": "Georgia" }, { "@type": "State", "name": "Florida" }, { "@type": "State", "name": "Tennessee" }, { "@type": "State", "name": "Mississippi" }, { "@type": "State", "name": "South Carolina" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Louisiana" }, { "@type": "State", "name": "Illinois" } ], "founder": { "@type": "Person", "name": "Tyler Dalton", "honorificPrefix": "Dr.", "honorificSuffix": "PharmD", "jobTitle": "Founder and Licensed Insurance Broker", "url": "https://dalton-insuranceagency.com/about/tyler-dalton", "hasCredential": [ { "@type": "EducationalOccupationalCredential", "credentialCategory": "degree", "name": "Doctor of Pharmacy (PharmD)" }, { "@type": "EducationalOccupationalCredential", "credentialCategory": "license", "name": "Licensed Insurance Broker" } ] }, "openingHoursSpecification": { "@type": "OpeningHoursSpecification", "dayOfWeek": [ "Monday", "Tuesday", "Wednesday", "Thursday", "Friday" ], "opens": "08:00", "closes": "17:00" }, "sameAs": [ "https://www.facebook.com/DALTONINSURANCEAGENCY1/", "https://www.instagram.com/drtylerdalton/", "https://x.com/drtylerdalton", "https://www.linkedin.com/company/101849497/", "https://www.youtube.com/@TylerDalton" ], "priceRange": "Free Consultations", "paymentAccepted": "Insurance commission-based (no cost to clients)" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://dalton-insuranceagency.com/" }, { "@type": "ListItem", "position": 2, "name": "Medicare Supplement", "item": "https://dalton-insuranceagency.com/medicare-supplement" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What does a Medigap plan actually pay for?", "acceptedAnswer": { "@type": "Answer", "text": "A Medigap policy pays the deductibles, coinsurance, and copays that Original Medicare leaves to you. With Plan G, once the Part B deductible is met, most Medicare approved services are covered in full." } }, { "@type": "Question", "name": "What is the difference between Plan G, Plan N, and High Deductible Plan G?", "acceptedAnswer": { "@type": "Answer", "text": "Plan G covers nearly everything after the Part B deductible. Plan N works the same way but has small copays for some office and emergency room visits in exchange for a lower premium. High Deductible Plan G has a much lower premium and you pay covered costs up to an annual deductible first." } }, { "@type": "Question", "name": "Can a Medigap company turn me down?", "acceptedAnswer": { "@type": "Answer", "text": "During your six month Medigap Open Enrollment Period that begins when your Part B starts, carriers must accept you regardless of health. Outside of that window and other guaranteed issue situations, they can use medical underwriting." } }, { "@type": "Question", "name": "Do all carriers charge the same price for the same Medigap plan?", "acceptedAnswer": { "@type": "Answer", "text": "No. Benefits for a given letter plan are standardized, but premiums differ widely between carriers, which is why comparing rates for identical coverage can save hundreds of dollars a year." } }, { "@type": "Question", "name": "Do I need a separate drug plan with Medigap?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Medigap does not cover prescriptions, so you pair it with a standalone Part D plan to avoid the late enrollment penalty." } } ] } ] --- [Call Now: (334) 489-3624 ](tel:13344893624)Free Medicare Consultation Free Consult [ Dalton Insurance Medicare & Wealth Advisors ](/) - [Home](/) - Medicare - Retirement & Wealth - Resources - [About Us](/about) [(334) 489-3624](tel:13344893624)[Book Appointment](/appointments) 1. [Home ](/) 2. Medicare Supplement [Back to Home](/) # Medicare Supplement (Medigap) Plans: Complete 2026 Guide Medicare Supplement Insurance (also called Medigap) helps pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. These plans are sold by private insurance companies but standardized by the federal government, giving you freedom to see any Medicare-accepting doctor nationwide. Get Free Medigap Quote[Compare with Medicare Advantage](/medicare-comparison) ## Plan G vs Plan F: Which Saves You More? Paying too much for Plan F? Switching from Plan F to Plan G could save you hundreds per year—even with the small Part B deductible ($283 in 2026). Review Your Medigap Plan & Save ## Why People Choose Medicare Supplement ### Freedom to Choose Any Doctor See any doctor or specialist nationwide who accepts Medicare—no networks, no referrals required ### Predictable Out-of-Pocket Costs Most plans cover Medicare deductibles, coinsurance, and copays, giving you budget certainty ### Guaranteed Renewable Your coverage can't be canceled as long as you pay your premiums, even if you develop health issues ### No Annual Changes Benefits are standardized and don't change year to year—no need to re-evaluate during AEP ## Most Popular Medigap Plans in 2026 While there are 10 standardized Medigap plans, these three account for 90% of enrollments. Each offers different trade-offs between premium cost and out-of-pocket protection. ### Plan G The most popular Medigap plan for new enrollees Typical Premium $125-$200/month depending on age and location Best For: Most people enrolling in Medigap—comprehensive coverage with only Part B deductible excluded #### What's Covered - ✓ Part A coinsurance and hospital costs - ✓ Part B coinsurance or copayment - ✓ Blood (first 3 pints) - ✓ Part A hospice care coinsurance - ✓ Skilled nursing facility coinsurance - ✓ Part A deductible - ✓ Part B excess charges - ✓ Foreign travel emergency (up to plan limits) #### What You Pay - ✗ Part B deductible ($283 in 2026) ### Plan N Lower premiums in exchange for small copays Typical Premium $95-$150/month depending on age and location Best For: People who want lower premiums and don't mind small copays for office and ER visits #### What's Covered - ✓ Part A coinsurance and hospital costs - ✓ Part B coinsurance (except $20 office visit copay and $50 ER copay) - ✓ Blood (first 3 pints) - ✓ Part A hospice care coinsurance - ✓ Skilled nursing facility coinsurance - ✓ Part A deductible - ✓ Foreign travel emergency (up to plan limits) #### What You Pay - ✗ Part B deductible ($283 in 2026) - ✗ Part B excess charges - ✗ $20 copay for doctor visits - ✗ $50 copay for ER visits (waived if admitted) ### High Deductible Plan G Lowest premium Medigap option for catastrophic protection Typical Premium $40-$70/month depending on age and location Best For: Healthy individuals who want low monthly costs and can afford to pay up to $2,800 before Medigap kicks in #### What's Covered - ✓ Same coverage as regular Plan G - ✓ But only after you meet the annual deductible ($2,870 in 2026) #### What You Pay - ✗ Anything until you meet the $2,870 deductible ## Are You Overpaying for Your Medicare Supplement? Most people on Plan F and G don't realize they can get the exact same coverage for way less. We see folks paying $250-400+ when they could pay $150-200 for identical benefits. When was the last time your rate increased? Let's review your plan and find you better rates. Get Free Rate Comparison ## Critical Medigap Enrollment Rules You Must Know ### Open Enrollment Period Your best time to enroll is within 6 months of turning 65 and enrolling in Part B. During this window, insurance companies cannot deny coverage or charge more based on health conditions. ⚠ Miss this window and you may face medical underwriting ### Medical Underwriting If you apply outside your open enrollment period, companies can ask health questions and deny coverage or charge higher premiums if you have pre-existing conditions. ⚠ Getting Medigap later can be difficult or expensive ### No Prescription Drug Coverage Medigap plans do not include prescription drug coverage. You'll need to enroll in a separate Medicare Part D plan. ⚠ You need both Medigap + Part D for complete coverage ### Standardized Benefits All Plan G policies offer identical benefits regardless of insurance company. The only difference is price and customer service. ⚠ You should compare prices from multiple carriers ## Find Your Ideal Medigap Plan With Plan G, Plan N, and High Deductible options all offering different benefits, it's important to understand which plan fits your health needs and budget. We'll compare rates from multiple carriers to find you the best price for identical coverage. Schedule Free Consultation[Learn About Enrollment Periods](/annual-enrollment-period) ## Frequently Asked Questions ### What does a Medigap plan actually pay for? ### What is the difference between Plan G, Plan N, and High Deductible Plan G? ### Can a Medigap company turn me down? ### Do all carriers charge the same price for the same Medigap plan? ### Do I need a separate drug plan with Medigap? ## Ready to Find Your Perfect Medicare Plan? Book a free consultation with our licensed Medicare advisors. We'll help you compare plans, understand your options, and enroll in the coverage that's right for you. ### Contact Information Call Us [(334) 489-3624](tel:3344893624) Email Us [tyler@daltoninsurance.biz](mailto:tyler@daltoninsurance.biz) Office Location 221 E South Street Dadeville, AL 36853 Office Hours Mon-Fri: 8:30 AM - 6:00 PM Find Us on Google [View Our Reviews](https://share.google/GIEMZT1wY39WkEDGr) ### Schedule Your Free Consultation Meet with a licensed Medicare advisor to compare plans and find the best options for your needs. - No cost, no obligation - Compare all available plans - Help with enrollment [Call Now](tel:3344893624)Book Appointment ⭐ Lifetime Support: Once you are our client, you are our client for life⭐ ### Dalton Insurance Your trusted Medicare & Wealth advisors. Helping families secure their health and protect their wealth for nearly 15 years. [(334) 489-3624](tel:13344893624)[tyler@daltoninsurance.biz](mailto:tyler@daltoninsurance.biz) Serving Clients Nationwide ### Learn Medicare - [Beginner's Guide](/learn-medicare/beginners-guide) - [Common Medicare Mistakes](/medicare-mistakes) - [Parts of Medicare (A, B, C, D)](/learn-medicare/parts-of-medicare) - [Medicare Costs 2026](/learn-medicare/medicare-costs-2026) - [Supplements vs. Advantage](/learn-medicare/supplements-vs-advantage) - [Best Supplement Plan?](/learn-medicare/which-medicare-supplement-plan-is-best) ### Resources - [AEP Guide](/annual-enrollment-period) - [AEP 2026 Checklist](/aep-checklist) - [Lake Martin Retirement Guide](/lake-martin-retirement-guide) - [Dadeville Medicare Advisor](/service-areas/dadeville-medicare-advisor) - [Auburn Medicare Advisor](/service-areas/auburn-medicare-advisor) - [Opelika Medicare Agent](/service-areas/opelika-medicare-agent) - [Alexander City Medicare](/service-areas/alexander-city-medicare-agent) - [Turning 65 Checklist](/turning-65-medicare-timeline) - [Enrollment Checklist 2026](/medicare-enrollment-checklist) - [2026 Cheat Sheet](/resources/medicare-2026-cheat-sheet) - [IRMAA Calculator](/irmaa-calculator) - [Cancer Insurance Calculator](/cancer-insurance-calculator) - [All Calculators](/resources/calculators) - [Blog](/blog) - [Service Areas](/service-areas) ### Coverage Options - [Medicare Supplements](/medicare-supplement) - [Medicare Advantage](/medicare-advantage) - [Part D Drug Plans](/part-d) - [Cancer Insurance](/coverage/cancer-insurance) - [Annuities](/coverage/annuities) - [Long-Term Care](/coverage/long-term-care) - [Life Insurance](/coverage/life-insurance) © 2026 Dalton Insurance Agency. All rights reserved. Licensed in: [AL](/service-areas) • [GA](/medicare-service-areas-georgia) • FL • TN • MS • SC • NC • IL • and more [](https://www.facebook.com/DALTONINSURANCEAGENCY1/)[](https://www.tiktok.com/@drtylerdalton1)[](https://www.instagram.com/drtylerdalton/)[](https://www.linkedin.com/company/101849497/)[](https://www.youtube.com/@TylerDalton) © 2026 Dalton Insurance Agency. All Rights Reserved. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. Calling our phone number will connect you to a licensed broker who is trained and certified to help you review the plan options available in your area. We do not offer every plan available in your area. Currently we represent 10 organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.