The primary difference between Medicare Supplement Plan N and Plan G lies in the cost-sharing aspects and premiums. Plan G is more comprehensive and covers all the gaps in Original Medicare except for the Part B deductible. After the deductible is met, Plan G covers Part B coinsurance or copayments at 100%, leaving beneficiaries with no additional out-of-pocket costs for doctor visits or outpatient care. Due to this extensive coverage, Plan G typically has higher monthly premiums compared to Plan N. Plan N, on the other hand, has slightly lower premiums because it requires some cost-sharing. While it covers the Part A deductible and coinsurance, as well as most of the same benefits as Plan G, it does not cover the Part B deductible. Additionally, Plan N requires beneficiaries to pay a copayment of up to $20 for some doctor visits and up to $50 for emergency room visits that don’t result in inpatient admission. This cost-sharing can make Plan N a more affordable option for those who are comfortable with these additional out-of-pocket costs in exchange for lower monthly premiums.