The Letter That Confused an Entire Family
A Thanksgiving Argument About Letters
It started innocently enough, a daughter mentioning her parents’ Plan N, a son-in-law insisting Plan G was “obviously better.” Neither one fully understood what the letters actually meant, and the conversation went in circles until someone finally looked it up at the table. The truth: every Medigap plan with the same letter, sold by any company, covers exactly the same benefits. Letters aren’t brand names. They’re a federal standard.
Tired of family debates that nobody can actually settle? Get the plan letters explained clearly, once, for good
The Plans Still Available
Plan G covers nearly everything except the Part B deductible ($283 in 2026), the most popular choice for new enrollees.
Plan N has a lower premium, adds up to a $20 office copay and $50 ER copay (if not admitted), and skips Part B excess charges.
Plan K / Plan L use cost-sharing: K covers 50% with an $8,000 limit; L covers 75% with a $4,000 limit in 2026.
High-Deductible Plan G trades a $2,950 deductible for a much lower premium.
Plans You Can No Longer Buy New
Plan C and Plan F closed to anyone newly eligible on or after January 1, 2020. Already had one before then? You’re grandfathered in.
Ready to stop guessing and get a real comparison? Find the right letter for your actual situation
Plan G vs. Plan N: The Real Difference
G costs more, covers more. N costs less, shifts small predictable costs to you per visit. Frequent visits favor G; rare visits might favor N.
Why Can’t I Buy Plan F?
Federal rules closed it in 2020 to reduce first-dollar coverage believed to encourage overuse.
Are They Really Identical Between Companies?
Yes. Same letter, same benefits, everywhere. Price, service, and stability are the only real differences.
Ready to Talk It Through?
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