Home / Guides / Plan G vs Plan N
Plan G vs Plan N in Washington
Plan N trades a lower premium for small copays. Whether that trade pays off depends on the gap between the two premiums at your insurer, and how often you see a doctor.
The only differences
| Plan G | Plan N | |
|---|---|---|
| Part B deductible ($283 in 2026) | You pay | You pay |
| Office visit copay | None | Up to $20 for some visits |
| ER visit not leading to admission | None | Up to $50 |
| Part B excess charges | Plan pays | You pay |
| Everything else | Plan pays | Plan pays |
Both plans pay the Part A hospital deductible, hospital and skilled nursing coinsurance, hospice and 80% of foreign travel emergencies.
Finding your break-even
Get Plan G and Plan N quotes from the same insurer and find the monthly difference in the left column. The right column is roughly the number of $20 copay visits you'd need in a year before Plan G costs less overall.
| Plan N costs this much less per month (hypothetical) | Yearly saving | $20 copays before Plan G pays off |
|---|---|---|
| $20 | $240 | 12 |
| $30 | $360 | 18 |
| $40 | $480 | 24 |
| $50 | $600 | 30 |
| $60 | $720 | 36 |
| $80 | $960 | 48 |
How to decide
Lean toward Plan N if you see a doctor a few times a year, your doctors accept Medicare assignment, and the premium difference you're quoted is large.
Lean toward Plan G if you see specialists often, you want no bills at all after the Part B deductible, or you get care from providers who don't accept assignment.
Washington makes this a lower-stakes choice
In most states, choosing Plan N is hard to undo: moving up to Plan G later can mean medical underwriting. In Washington, anyone with Plan N can switch to any insurer's Plan G at any time with no health questions. Starting with N and moving to G if your needs change is a real strategy here.
Insurers selling Medicare Supplement Plan N in Washington
- Asuris
- Bankers Reserve Life
- First Health Life & Health
- GPM Health & Life
- HumanaDental
- Insurance Company of North America
- Medco Containment Life
- Premera
- Regence BlueCross BlueShield of Oregon
- Regence BlueShield
- State Farm (sold through State Farm agents)
- USAA (USAA eligibility required)
- United American
- United World Life (Mutual of Omaha)
- UnitedHealthcare (AARP) (AARP membership required)
- Washington National