When comparing Medicare Supplement options in Colorado, especially around Greeley and the Front Range, Plan G and Plan N are two of the most popular choices. Understanding the real‑world costs can help you choose the right fit as you navigate Medicare enrollment in Greeley, Weld County, and surrounding communities.

What Plan G Covers

Plan G is known for its comprehensive coverage. It pays for Part A and Part B coinsurance, skilled nursing care, hospice care, the Part A deductible, and Part B excess charges. The only out-of-pocket medical cost not covered is the Part B deductible.

This makes Plan G attractive for those who want predictable costs and minimal surprise bills—an important factor for many searching for Medicare supplement plans in Greeley or comparing Medigap options across Colorado.

What Plan N Covers

Plan N includes strong coverage but with a few cost-sharing differences. It does not cover Part B excess charges and requires small copays—up to $20 for office visits and up to $50 for emergency room visits (unless admitted). Like Plan G, it does not cover the Part B deductible.

Because of these trade-offs, Plan N typically offers lower monthly premiums, making it appealing for adults looking for affordable Medigap plans in Colorado or Medicare supplement options in Greeley.

Real‑World Cost Differences in Colorado

Premiums vary by age, zip code, and carrier, but across the Front Range—including Greeley, Fort Collins, Windsor, Evans, and Denver—Plan N is usually more affordable than Plan G. Savings often range from $20–$40 per month or more depending on the Medicare company you choose.

For someone with low medical usage, Plan N may offer the better overall value. For those who expect frequent care or want protection from excess charges, Plan G often delivers more predictability—an important consideration when comparing Medicare plans in Weld County.

Which Plan Is Best for You?

The right choice depends on your healthcare needs, comfort with copays, and budget. Plan G prioritizes predictability, while Plan N focuses on lower monthly premiums.

If you need help comparing Medicare plans in Greeley, reviewing Medigap options, or getting Medicare assistance across Colorado’s Front Range, our team at Medicare Mastery can walk you through personalized, side-by-side comparisons to help you enroll with confidence.