Understanding Medicare Supplement Insurance Plans: F, G and N Explained

Medigap Plans F, G, and N supplement Original Medicare by covering out-of-pocket costs. Plan F offers the most coverage but is only for those eligible before 2020. Plan G covers nearly all costs except the Part B deductible, making it popular for new enrollees. Plan N has lower premiums but includes small copays. The best time to enroll is during the six-month Medigap Open Enrollment Period starting at age 65 with Part B.