Medigap · Plan G & Plan N
Medicare Supplement Plans in Phoenix, AZ
Medicare Supplement insurance, also known as Medigap, works alongside Original Medicare to help cover certain out-of-pocket costs. Compare Plan G and Plan N options with a local Phoenix Medicare broker.
What Is Medicare Supplement Insurance?
Medicare Supplement insurance, commonly called Medigap, is private insurance designed to work alongside Original Medicare and help with certain eligible out-of-pocket costs.
How Does Medicare Supplement Work?
You generally remain enrolled in Original Medicare Parts A and B while the Medicare Supplement policy provides its applicable standardized benefits.
Medicare Supplement Plan G
Plan G is one standardized Medicare Supplement option available to eligible consumers, covering 100% of Medicare-approved out-of-pocket costs after the annual Part B deductible.
Medicare Supplement Plan N
Plan N is another standardized option with lower premiums in exchange for modest doctor visit copays (up to $20) and emergency room copays (up to $50).
MEDICARE SUPPLEMENT: PLAN G VS. PLAN N
Plan G and Plan N are standardized Medicare Supplement options available to eligible consumers. They have important differences in cost-sharing structure.
| Standardized Benefit | Medicare Plan G | Medicare Plan N |
|---|---|---|
| Part A Hospital Coinsurance | 100% Covered | 100% Covered |
| Part B Coinsurance (20%) | 100% Covered ($0 doctor copay) | Covered except up to a $20 copay for office visits and up to $50 for ER visits |
| Part B Deductible | Paid by beneficiary | Paid by beneficiary |
| Part B Excess Charges | 100% Covered | Not Covered (rare in Arizona, but beneficiary pays if charged) |
| Monthly Premium Structure | Standard premium for comprehensive coverage | Lower monthly premium in exchange for copays |
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