Senior Insurance Blog

Medigap Plan N Costs, Coverage, and Comparisons

Medigap Plan N Costs, Coverage, and Comparisons

Medigap Plan N is one of the most popular Medicare Supplement plans, but how it does it compare to the others, and most important, how much does it cost?

In this article, we’ll cover the following:

  • How much does Medigap Plan N cost?
  • How good is the Medigap Plan N coverage?
  • How does Medigap Plan N compare to the other supplements?
  • Is Medigap Plan N a good value for the money?

Let’s get right into it.

How much does Medigap Plan N cost?

The big upside to Medicare Supplement Plan N is that the monthly premium is lower than the other most popular options, which are called Plan F and Plan G.

On average – and this can change depending on a variety of factors – a Plan N is between $30-$50 cheaper than a Plan F. That means that every month, you pay $30-$50 less than you would for the most expensive plan.

When compared to a Plan G, you’ll find that a Plan N is often $5-$20 cheaper for that monthly premium.

As a reminder, a monthly premium is the bill you get each month for being a member of an insurance plan.

While the price of a Plan N varies depending on where you live, how old you are, your health, and more, it generally costs between $85-$120 per month.

How good is the Medigap Plan N coverage?

Medigap Plan N is extremely similar to major medical insurance. It works like this:

  • You pay your monthly premium
  • You have a small copay when you go to the doctor’s office
  • You have a deductible

If you’re already used to this type of plan and are comfortable with it, a Plan N is a really easy transition.

A Plan N covers all of the “big hitters” when it comes to medical bills – in other words, any bills you get will be relatively small.

The following chart shows you what is covered – you’ll see that there are only minor differences between the three most popular plans, which are marked in red.

  Medigap Plan F Medigap Plan G Medigap Plan N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes, but you do have copays of up to $20 for office visits and $50 for ER visits
Blood (first 3 pints) Yes Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes
Skilled nursing facility coinsurance Yes Yes Yes
Part A deductible Yes Yes Yes
Part B deductible Yes No No
Part B excess charges Yes Yes No
Foreign travel exchange (up to plan limits) 80% 80% 80%
Cost $$ $ $

 

The big differences between a Plan G or F and an N are the the office copays and the Part B excess charges. Let’s break those down.

Medigap Plan N Office Copays

When you have a Medigap Plan N, you pay a small copay when you go to the doctor’s office. However, it’s usually only about $10. It will never exceed $20. The copayment to go to the emergency room is usually $50. But keep in mind that there is NO copayment to visit an urgent care facility.

So, if you don’t plan on going to the doctor more than once or twice a year, those copayments will be long forgotten. But on the flip side, if you end up at the doctor once a month, they can add up, which means it could be better for you to consider a plan with no office copayments.

Medigap Plan N Excess Charges

First of all, what the heck is an excess charge?

To make things simple, Medicare has some guidelines for what certain medical services should cost. And that’s all they’re willing to pay.

For example, a doctor might charge $1,500 for a procedure, but Medicare only approves $1,200 for that procedure. If the doctor agrees to work with Medicare, they’ll lower their billing rate to the approved $1,200. If they don’t, you would receive a bill in the form of an excess charge.

However, it’s very rare that a doctor wouldn’t agree to work with Medicare. Just so you know, this is called “Medicare assignment.”

But even if this is a concern for you, there’s a simple solution: ask if your doctor accepts Medicare assignment before ever going in for a visit. If they do, you have nothing to worry about. If they don’t, find a new doctor or consider getting a Plan G or a Plan F.

How does Medigap Plan N compare to the other supplements?

When you compare Medigap Plan N to the other supplements, you’ll find that it’s a great option if you’d like to stick to a tighter budget. Sure, there are a few trade offs, but as long as you don’t go to the doctor for every single thing, you’ll likely end up saving money on your supplement.

If you’re worried about those excess charges, you can always opt for a Plan G, which is one of our favorite plans. The Plan G is also becoming the most popular plan on the market.

A Plan F is certainly the most expensive option of them all, but the perk of this plan is that you don’t get any bills from your doctor. As long as your service is covered by Medicare, you’re bill-free.

So, if we’re being totally honest, here’s how the Plan N compares to the others:

  1. If you don’t want any bills from the doctor, and you don’t mind paying more for that, go for Plan F.
  2. If you’re a bargain shopper and love getting a great value, go for Plan G.
  3. If you have a tighter budget, but still want coverage, go for Plan N.

Overall, yeah – we think Medigap Plan N is a great value for the money. It’s a solid plan with good coverage, and if you’ve had traditional health insurance for all of your life, it’ll be a natural transition.

If you have any questions or would like us to run some quotes for you, contact us!

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