Medigap Plan G vs Plan N in New Jersey (2026): Which Is Better?
Last reviewed: March 2026 · Sources: CMS.gov, NJ DOBI
The short answer
Plan G is the better choice for most NJ residents. The $20–$40/month premium savings from Plan N rarely offset the copays and coverage gaps — especially in New Jersey where community rating means your Plan G premium stays the same as you age.
Side-by-Side Coverage Comparison
| Coverage Item | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance + 365 extra days | ✅ Covered | ✅ Covered |
| Part B coinsurance / copayment | ✅ Covered | ✅ Covered (with copays) |
| Part A hospice coinsurance | ✅ Covered | ✅ Covered |
| Part A deductible ($1,676 in 2026) | ✅ Covered | ✅ Covered |
| Part B deductible ($257 in 2026) | ✅ Covered | ❌ Not covered |
| Part B excess charges | ✅ Covered | ❌ Not covered |
| Foreign travel emergency (80%) | ✅ Covered | ✅ Covered |
| Doctor visit copay | None | Up to $20 |
| ER visit copay (not admitted) | None | Up to $50 |
The Math: When Does Plan N Actually Save You Money?
Plan N saves you $20–$40/month in premiums — about $240–$480/year. To break even, you would need to have fewer than 12–24 doctor visits per year with no excess charges and no ER visits. For most Medicare beneficiaries who see doctors regularly, Plan G wins on total cost.
The scenario where Plan N clearly wins: you are 65–70, in excellent health, see your primary care doctor twice a year, and rarely visit specialists. In that case, the premium savings accumulate without being offset by copays.
New Jersey's Community Rating: Why It Changes the Calculation
In most states, Medigap premiums rise as you age (attained-age rating). In New Jersey, community rating means your premium is set by the insurer for everyone — it does not increase because you got older. This makes the Plan G vs Plan N decision less about short-term savings and more about which coverage model fits your healthcare usage.
However, keep in mind that switching from Plan N to Plan G after your 6-month Medigap Open Enrollment Period may require medical underwriting. If your health changes later, switching could be more difficult. Consider your long-term healthcare needs when choosing between Plan G and Plan N at 65.
Not sure which plan fits your situation?
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