Which Medicare Plan suits you best The most comprehensive plan that is currently available is Medigap Plan F , which covers all of the gaps in Medicare. The next most comprehensive plan is Plan G , which covers nearly as much, with the Part B deductible being the only difference. Finally,  the  Plan N is probably the third most popular plan because it operates similarly to Plan G except that you pay copays for doctor and E.R. visits, and also, you will pay your own excess charges out-of-pocket. Medigap Plans are Standardized There are currently 10 different Medigap plans that are standard across most states. (Massachusetts, Minnesota and Wisconsin have their own plan standards.) This means that Plan A offered by Company X in Anaheim is exactly the same as Plan A offered by Company Y in Boise. While premiums may differ, benefits and coverage are the same. Medigap is offered by private insurance companies. These companies do not have to offer all 10 pla...