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Medigap Plan G Versus Plan N - What's the Difference?

Medicare Supplement Plans are also known as Medigap plans, nicknamed because they help fill in the gaps (out-of-pocket expenses) of Original Medicare like deductibles and coinsurance. They are standardized, vary in benefits and are labeled by letters. In Suffolk County and Nassau County, Long Island, for me the most common question asked is concerning the difference between two plans, Plan G and Plan N.

The main difference between Medigap Plan G and Medigap Plan N is that Plan N has a doctor visit copay ($20-2024) and an emergency room visit copay ($50-2024), whereas Plan G does not. Plan G also covers potential Part B excess charges. Providers that do not accept Medicare Assignment may charge up to 15% above the Medicare rate. The N Plan does not cover these excess charges. Things to consider include the price of the plan and how often you see your providers. Note: Both plans do not cover the Part B annual deductible ($240-2024). Keep in mind that you will need to purchase a separate prescription drug plan (PDP). A Medicare Plans Broker can help you consider your personal needs, weigh out the premium prices of different insurance carriers and help you discover which plan is right for you.

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