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Plan N vs High-deductible Plan G in Washington
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
How the two standardized plans differ, who each fits, and how many insurers sell each in Washington.
Benefits side by side
| Benefit | N | G |
|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% |
| First 3 pints of blood | 100% | 100% |
| Skilled nursing facility care coinsurance | 100% | 100% |
| Part A deductible | 100% | 100% |
| Part B deductible | – | – |
| Part B excess charges | – | 100% |
| Foreign travel emergency (up to plan limits) | 80% | 80% |
| Yearly out-of-pocket limit | – | – |
Plan N
Plan N covers the same hospital, skilled nursing and Part B coinsurance as Plan G, except for copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to admission. It doesn't pay Part B excess charges.
Fits: People whose doctors accept Medicare assignment and who want a lower premium than Plan G in exchange for small copays.
High-deductible Plan G
High-deductible Plan G has Plan G's benefits after you've paid a yearly deductible ($2,950 in 2026) for Medicare-covered costs. Until then you pay what Original Medicare doesn't. The premium is a fraction of regular Plan G.
Fits: Healthy people with savings who mainly want protection against a big hospital year.
What each leaves you paying
| Plan | Most you could owe for covered care in a year | What you pay along the way | Part B excess charges | Emergency care abroad |
|---|---|---|---|---|
| Plan G | $283 (the Part B deductible) | Nothing | Covered | 80% after $250 |
| Plan N | $283 plus copays | Up to $20 for some office visits, up to $50 for ER visits that don't lead to admission | Not covered | 80% after $250 |
| High-deductible Plan G | Up to $2,950 | You pay until the deductible is met, then nothing | Covered after the deductible | 80% after $250 |
| Plan K | Up to $8,000, plus the Part B deductible | 50% of most costs until the limit | Not covered | Not covered |
| Plan L | Up to $4,000, plus the Part B deductible | 25% of most costs until the limit | Not covered | Not covered |
| Plan A | $1,736 per hospital benefit period, plus $283 | Part A deductible and skilled nursing coinsurance | Not covered | Not covered |
Plan pages: Plan N · High-deductible Plan G · All comparisons
Common questions
What's the difference between Plan N and High-deductible Plan G?
They differ on: Part B coinsurance or copay (the 20%); Part B excess charges; High-deductible Plan G pays nothing until you've paid $2,950 of covered costs (2026).
How many insurers sell Plan N and High-deductible Plan G in Washington?
16 sell Plan N and 6 sell High-deductible Plan G on the current state chart.