Medigap Plan G vs. Plan N in Illinois – Which Is Best for You?
Compare Two of the Most Popular Medicare Supplement Plans
Compare Two of the Most Popular Medicare Supplement Plans
Medigap Plan G vs Plan N in Illinois are the two most popular Medicare Supplement options for seniors who want predictable healthcare costs. Choosing between these plans can impact your budget, provider access, and long-term financial security.
At StAK Insurance Solutions, we simplify Medicare Supplement Plan G and Plan N in Illinois so you can make a confident, informed decision.
Why Medigap Plan G vs Plan N in Illinois Matters
Medigap plans help pay for what Original Medicare doesn’t, things like copays, coinsurance, and deductibles. But choosing the wrong plan can:
Leave you with higher out-of-pocket costs than you expected
Force you to switch plans later (and go through underwriting)
Cost you hundreds more per year in premiums for benefits you may not use
Making the right choice upfront saves money and stress for years to come.
What Plan G Covers in Illinois
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance (100%)
- First three pints of blood
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency coverage (80%)
Plan G does not cover the Medicare Part B deductible ($240 in 2025).
When comparing Medigap Plan G vs Plan N in Illinois, Plan G provides slightly broader coverage with higher premiums.Learn more about Medicare Insurance in Peoria IL and how Medigap supplements fit with your Medicare plan.
Medicare Part B deductible (you pay this once per year — $240 in 2025)
What Plan N Covers in Illinois
Plan N covers almost everything Plan G does, with two key differences:
How to compare Medigap Plans in Illinois
If you’re generally healthy and want lower premiums, Medigap Plan N in Illinois may fit your needs.
| BENEFIT | PLAN G | PLAN N |
|---|---|---|
| Part A Hospital Coinsurance | COVERED | COVERED |
| Part A Deductible | COVERED | COVERED |
| Part B Coinsurance | 100% | $20 Office Copay, $50 ER Copay |
| Part B Deductible | You Pay | You Pay |
| Part B Excess Charges | Covered | Not Covered |
| Skilled Nursing Coinsurance | Covered | Covered |
| Foreign Travel Emergency (80%) | Covered | Covered |
The Right Plan for You
Who Should Choose Plan G vs. Plan N?
Who Should Choose Plan G
- People who want predictable costs and no surprises
- Those who see multiple specialists regularly
- Anyone who doesn’t want to worry about excess charges
Who Should Choose Plan N
- People who are healthy and don’t mind occasional copays
- Those who want to save on premiums
- People who mostly see doctors that accept Medicare assignment (no excess charges)
Common Mistakes to Avoid
- Choosing Plan G Just Because It’s Popular: If you’re very healthy, you might be overpaying.
- Choosing Plan N Just for Price: If you see specialists often, the copays may add up.
- Waiting Too Long to Decide: After your initial enrollment period, switching plans can require health underwriting.
Our Process
We make it simple to compare and choose the right Medigap plan:
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1
Needs Analysis: Learn about your doctors, medications, and budget.
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2
Plan Comparisons: Side-by-side quotes for Plan G and Plan N from multiple carriers.
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3
Guided Enrollment: Step-by-step help signing up and coordinating with Medicare.
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4
Annual Reviews: Ensure your Medicare Supplement Plan G or N in Illinois still fits your needs.
Contact Us
Choose the Medigap plan that fits your life.
We’ll compare Plan G and Plan N side by side, explain the costs, and help you enroll with confidence.
Call Now:(309) 453-6546
Compare Plan G & Plan N Quotes
Plan G vs. Plan N- FAQs
Excess charges are small amounts (up to 15%) that some doctors can bill above Medicare’s approved rate. In Illinois, they are rare, but we check your doctors’ status before recommending Plan N.
Yes, but you may have to answer health questions if you switch outside of your Medigap open enrollment period.
No — only Plan F was discontinued for new enrollees after 2020. Plan G remains available.
Premiums typically increase with age and inflation, but we shop carriers annually to keep you on the most competitive rate.