Medicare Only Covers 80%: Why You Need "Medigap" in 2026 (Plan G vs. Plan N Comparison)

Many seniors turn 65 and think, "Great! I have Medicare now. My healthcare is free."

This is a dangerous myth. Original Medicare (Part A and B) only covers about 80% of your medical bills. There is no cap on the remaining 20%.

If you have a $100,000 heart surgery, you could owe $20,000 out of pocket. This is why Medicare Supplement Insurance (Medigap) is not optional—it is financial survival. Today, we compare the two most popular plans for 2026: Plan G and Plan N.

1. What Does Medigap Actually Do?

Medigap policies are sold by private companies to fill the "gaps" in Original Medicare. They pay for copayments, coinsurance, and deductibles.

🛡️ The Golden Rule:

You can see ANY doctor in the US who accepts Medicare. No networks, no referrals needed. If Medicare pays their share, your Medigap plan must pay the rest.


2. Plan G: The "Peace of Mind" King

Plan G is currently the most popular choice for new enrollees. It covers everything that Medicare doesn't cover, except for one small thing: the Part B deductible ($240 in 2025).

  • ✅ Pros: Once you pay the first $240 of doctor bills for the year, you pay $0 for the rest of the year. No copays, no surprise bills.
  • ❌ Cons: Higher monthly premium (approx. $100-$150/month).

3. Plan N: The "Budget-Friendly" Alternative

If Plan G is too expensive, look at Plan N. It has lower monthly premiums (approx. $80-$110/month), but you share a bit of the cost.

  • Co-pays: You might pay up to $20 for some doctor visits and $50 for ER visits.
  • Excess Charges: It does not cover "Part B Excess Charges" (when a doctor charges more than Medicare allows). This is rare, but possible.
🏥
Find a Medigap Policy in Your Area
Use the official Medicare.gov tool to see plans and prices near you.

Conclusion

Don't gamble with your retirement savings. If you can afford the monthly premium, Plan G offers the best protection. If you are healthy and rarely see a doctor, Plan N can save you money. Just don't rely on Medicare alone.

Location: 미국

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