Home Resources Our blog The Difference between Plan G and Plan N
About Medicare
//
Jul 3, 2024

The Difference between Plan G and Plan N

plan g vs plan n

AMAC’S Medicare Advisory Services is here to let you in on a little secret: You could save BIG money switching from Plan G to Plan N.

But do you know the differences between Plan G and Plan N?

With either plan, you’ll be responsible for the Part B deductible (which is $240 in 2024).

Once you’ve met your annual Part B deductible, you won’t have any copays on Medicare approved services for the rest of the year with Plan G.

However, with Plan N, you’ll have copays of no more than $20 for doctors’ visits and copays of no more than $50 for emergency services.

Additionally, Plan N does not cover excess charges- so if you see a provider that does not accept Medicare assignment (what Medicare agrees to pay them for services) they can charge up to 15% more than the Medicare allowable rate. That 15% balanced billing will be your responsibility with Plan N.

However, many states do not allow excess charges and only about 2% of providers use excess charging, so its not likely that you’ll encounter it.

In many areas, Plan N premiums are significantly lower than Plan G, making this option very affordable for those who are comfortable with some copays here and there.

If you’ve had Plan G for some time and find the premiums are getting out of hand, you may want to consider Plan N. You’d still have access to any doctor that accepts original Medicare and all the other great benefits you already enjoy- but at a lower rate than Plan F.

Want to check if you can save money by switching to Plan N?

Give us a call at 855-611-4856 and one of our licensed Medicare Advisors can let you know in just minutes!

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