Which Medigap Plan Is Right For You?

 

Choosing the right Medigap supplement plan can be confusing, especially when comparing popular options like Plan N and Plan G. Here's a breakdown to help you decide:

Coverage:

• Plan N: Covers most out-of-pocket costs except for copays for:
• Doctor visits: Up to $20 per visit
• Emergency room visits (without hospital admission): Up to $50 per visit
• Plan G: Covers virtually all out-of-pocket costs for Original Medicare, including the copays mentioned above.

Premiums:

• Plan N: Generally has lower monthly premiums than Plan G due to the copays.
• Plan G: Typically has higher monthly premiums due to its more comprehensive coverage.

Other factors to consider:

• Your health: If you anticipate frequent doctor visits or ER visits, Plan G might offer better value due to its full coverage.
• Budget: Plan N can be more affordable if you're on a tight budget and infrequently use healthcare services.
• Flexibility: Plan G offers peace of mind by covering all unexpected costs, while Plan N requires some budgeting for copays.
• Below is a table describing the coverage of Plan N and G. If you would like more information about Medigap Supplements and your insurance options click here, complete the form, and a licensed agent will be in contact.