An N95 mask can filter at least 95% of airborne particles if you wear it correctly. A surgical mask does not effectively filter small particles from the air and does not prevent leakage around the edge of the mask when the user inhales. If you only have cheap masks, the biggest problem is that they may not fit well and there will be leakage around the edge of the mask. Since surgical masks are not designed to pass a fit test, I will show you how to make the mask fit if you don't have access to an N95 mask.