Medigap In-Depth Guide
Medicare Supplement Plan G vs Plan N
Medicare Supplement Plan G and Plan N provide similar standardized benefits, but they differ in premiums, copays, and coverage for Part B excess charges. Compare the key differences to understand which option may better fit your healthcare needs and budget in Phoenix, AZ.
Medicare Plan G vs Plan N: Key Differences
Plan G and Plan N are standardized Medicare Supplement options available to eligible consumers. Compare cost sharing, premiums, and excess charges.
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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