Medigap Plan FAQs
Which Medigap Plan Is Best for Me?
Your choice of Medigap plan can depend on many different factors, like what it covers or how much it costs. Medigap plans N and G are both valuable plans, but they differ in a few major areas, like:
Premiums and benefits
Annual Medigap costs
Copays
Let’s talk about the pros and cons of both plans — Medicare Plan N vs. Plan G — to help you decide which is the best Medigap plan for your health care needs.
What’s the Difference Between Medigap Plan N & Plan G?
Medigap Plan N is a low-cost alternative to Medigap Plan G. In other words, the monthly premium cost for Medigap Plan N is typically lower than Medigap Plan G.
The benefit differences of Medicare Plan N vs. Plan G include:
Medicare Part B Excess Charges: When providers do not accept Medicare assignments, they can charge you up to 15% more than the Medicare-approved price.
Medigap Plan N Copayment Costs: Plan N may require you to pay up to a $20 copay for office visits, and you could pay up to a $50 copay for emergency room visits.
What Does A Medigap Plan Cost?
How much a Medigap plan costs you will depend on how often you visit your doctor. If you visit your doctor more often, Plan G could cost you less Plan N per year. For example, if you visit your doctor every month, you could pay up to $240 in copays with Medigap Plan N.
The more often you see your doctor, the more you can save on copays with Medigap Plan G
How Can I Avoid Plan N Copays?
You have two options to avoid Medigap Plan N copayments for outpatient doctor or hospital visits:
Buy Medigap Plan G.
Visit an Urgent Care facility. Because Urgent Care facilities aren’t coded as either an office visit or an ER visit, they have a unique code. So Medigap Plan N copays don’t apply to visits to an Urgent Care facility.
If you need more help understanding the difference between Plan G and Plan N, the licensed agents at Senior Healthcare Direct can help. Call 1-833-463-3262, TTY 711, or get your quote.
LEGAL DISCLAIMER: The above is meant to be strictly educational and not intended to provide medical advice. This is a solicitation for Insurance.
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