Medigap Plan G is the most comprehensive Medicare Supplement Insurance plan that’s available for purchase by all Medicare members. Medigap Plan N covers a bit less, but its premiums are lower, too.
Premiums aren’t the only cost you’ll need to consider, though. Medigap Plan N requires copays for certain office and emergency visits, so whether you could save money with Plan N also depends on how often you’ll pay those copays.
What’s the coverage difference between Plan G and Plan N?
Medigap Plan G and Plan N have mostly the same set of Medicare benefits, but there are a couple of key differences.
Benefits that are the same in both Plan G and Plan N
Here are the Medicare benefits that both Plan G and Plan N cover, according to Medicare.gov:
Part A coinsurance and hospital stays up to an additional 365 days after Medicare benefits are used up.
Part A hospice care coinsurance or copayment.
Skilled nursing facility care coinsurance.
Blood transfusion (first three pints).
This article was written by Alex Rosenberg and originally published on www.nerdwallet.com