For FREE help finding a Medicare plan,
Click here or call 1-800-729-9590.
| (888) 465-9728 | email [email protected] – Plan G and Plan N are two of the most popular Medicare Supplement Plans, and generally they offer some of the best value for your dollar.
Plan G covers almost all of the “gaps” in Medicare at 100%. The only thing it does not cover is the Medicare Part B deductible. For 2019, this deductible is $185/year. With Plan G, after you meet the Part B deductible of $185 all of your Original Medicare A and B costs are covered at 100%, so no copays, no coinsurance at the doctor or hospital after the deductible is satisfied.
With Plan N, just like Plan G, there is no coverage for the Part B deductible, so with Plan N you also have the annual deductible of $185/year. However, with Plan N after the deductible is met, you may be responsible for Co-pays at your provider and at the emergency room. Additionally, you’ll see that Medicare Supplement Plan N does not cover the Medicare Part B excess charges.
Excess charges are very rare, but they could possibly happen if you visit a provider who accepts Medicare but does not accept Medicare assignment. So, it is possible to see a doctor who accepts Medicare patients, but does not accept Medicare Assignment, or Medicare as “payment in full”. In this case, a doctor may charge you up to 15% above the Medicare Approved amount. These are Part B excess charges – and while Plan G covers them at 100% Plan N does not. Recent data estimates that 96% of Medicare doctors nationwide DO accept Medicare Assignment, so the chances are pretty low that you’ll get billed these excess charges. Additionally, in some states excess charges are actually illegal (Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.).
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