Montgomery County Medicare Supplement Rates
Medicare Supplement Plan N Cost in Montgomery County, PA
Compare Medicare Supplement Plan N costs in Montgomery County and learn why premiums vary by age, ZIP code, household discount and insurance company.
Medicare Supplement Plan N rates in Montgomery County currently start at approximately $135 per month for a 65-year-old male nonsmoker using applicable discount assumptions.
Your actual premium may differ based on your age, ZIP code, gender where permitted, tobacco status, household-discount eligibility, effective date and insurance company.
The cost of Medicare Supplement Plan N in Montgomery County can vary significantly among insurance companies—even though every standard Plan N provides the same basic medical benefits.
HealthSpring and Humana currently tend to offer some of the most competitive Plan N rates in Montgomery County and Bucks County. The lowest-priced company can change based on the applicant’s information and future carrier rate adjustments.
What Does Plan N Cost in Montgomery County?
Current Plan N starting rate
Approximately $135 per month
Example for a 65-year-old male nonsmoker in Montgomery County using applicable discount assumptions. This is not a guaranteed quote, and the actual premium may be higher.
The lowest available premium may vary among Montgomery County ZIP codes. Discounts, tobacco status, age and payment method can also affect the final rate.
Because Medicare Supplement benefits are standardized, a company charging a higher premium does not provide richer basic Plan N medical benefits. Comparing several companies using identical applicant information is important.
Want to Compare Current Montgomery County Plan N Rates?
The DeAngelis Agency can compare current Plan N premiums from multiple insurance companies available in your Montgomery County ZIP code.
Call or text 215-967-8828, or contact our agency online. There is no charge and no obligation.
Why Do Montgomery County Plan N Rates Vary?
Age
Your age can affect your initial premium and how the policy is priced as you grow older.
ZIP Code
Available companies and premiums can vary among Montgomery County communities.
Household Discount
Some companies offer a discount when you live with another qualifying adult.
Tobacco Status
Tobacco use may result in a higher premium with certain insurance companies.
Insurance Company
Each carrier establishes its own premium even though standard Plan N benefits are the same.
Payment Method
Certain companies may provide a small savings for automatic bank withdrawal.
Which Companies Have Competitive Plan N Rates?
HealthSpring and Humana currently tend to have some of the most competitive Plan N rates in Montgomery County and Bucks County.
That does not mean either company will be the least expensive for every applicant. Rates can differ based on age, ZIP code, gender where permitted, tobacco status and household-discount eligibility.
The DeAngelis Agency compares current rates from multiple available companies rather than relying on one insurance carrier’s pricing.
What Does Medicare Supplement Plan N Cover?
Medicare Supplement Plan N helps pay many of the costs that Original Medicare leaves behind.
Plan N generally helps pay for:
- The Medicare Part A hospital deductible
- Medicare Part A hospital coinsurance
- Skilled-nursing facility coinsurance
- Most Medicare Part B coinsurance
- The first three pints of blood
- Limited foreign-travel emergency care
Plan N does not pay the annual Medicare Part B deductible. After satisfying that deductible, you may owe a copayment of up to $20 for certain office visits.
An emergency-room visit may require a copayment of up to $50 when the visit does not result in an inpatient hospital admission.
Does Pennsylvania’s Excess-Charge Law Affect Plan N?
Plan N does not cover Medicare Part B excess charges. However, Pennsylvania prohibits healthcare practitioners from billing Medicare beneficiaries above the Medicare-approved amount for Medicare-covered services received in Pennsylvania.
This protection generally makes excess charges less of a concern for Montgomery County residents receiving medical care within Pennsylvania.
Travel consideration: Pennsylvania’s protection does not necessarily follow you into another state. If you receive care in a state where excess charges are permitted, a nonparticipating provider may be allowed to bill an excess charge, and Plan N would not pay it.
Plan N Cost Compared With Plan G in Montgomery County
Plan N typically has a lower monthly premium than Plan G. In exchange for the potential premium savings, Plan N includes certain office-visit and emergency-room copayments and does not cover Part B excess charges where they are permitted.
| Cost consideration | Plan N | Plan G |
|---|---|---|
| Monthly premium | Usually lower | Usually higher |
| Part B deductible | Not covered | Not covered |
| Office-visit copayment | Up to $20 for certain visits | No Plan N-style office copayment |
| Emergency-room copayment | Up to $50 when the visit does not result in inpatient admission | No Plan N-style emergency-room copayment |
| Part B excess charges | Not covered | Covered when applicable |
To compare the plans fairly, calculate the annual premium difference instead of looking only at the monthly rate.
For example, saving $35 per month with Plan N equals $420 per year. That premium savings may outweigh the possible copayments for someone who does not require frequent outpatient care.
Read our complete Plan G versus Plan N comparison before choosing between the plans.
Is the Lowest Plan N Premium Always the Best Choice?
The lowest available rate deserves serious consideration because every standard Plan N provides the same basic medical benefits. However, price should not be the only consideration.
Before enrolling, confirm that the quote includes every available household discount and any application, policy or membership fees.
You should also consider the company’s financial strength, available rate history, customer service, billing practices and underwriting rules. No insurance company can guarantee that its premium will never increase.
Can You Lower an Existing Plan N Premium?
If you already have Plan N, another insurance company may offer the same standardized benefits at a lower premium.
You can generally apply to change Medicare Supplement companies during the year, but the new company may require medical underwriting unless you qualify for an enrollment protection.
Never cancel your existing Medicare Supplement policy until the new company has approved your application and confirmed the premium and effective date.
Learn more about switching Medicare Supplement companies.
Plan N Help Throughout Montgomery County
The DeAngelis Agency helps Medicare beneficiaries compare Plan N rates throughout Montgomery County, including:
- Ambler
- Blue Bell
- Fort Washington
- Glenside
- Horsham
- Lansdale
- Montgomeryville
- North Wales
- Plymouth Meeting
- Souderton
- Willow Grove
Whether you are turning 65, retiring, leaving employer coverage or reviewing an existing Medicare Supplement policy, our agency can help you compare the available options.
Frequently Asked Questions
How much does Medicare Supplement Plan N cost in Montgomery County?
Current Plan N rates start at approximately $135 per month for a 65-year-old male nonsmoker using applicable discount assumptions. Your actual premium may be higher based on your ZIP code, tobacco status, discount eligibility and insurance company.
Which companies currently have competitive Plan N rates?
HealthSpring and Humana currently tend to offer some of the most competitive Plan N rates in Montgomery County and Bucks County. The lowest company can vary by applicant, and rates can change.
Do all Plan N companies provide the same benefits?
Yes. The basic medical benefits of standard Plan N are the same from one insurance company to another. Premiums, discounts, fees, service and underwriting requirements can differ.
Does Plan N cover the Medicare Part B deductible?
No. You must pay the annual Medicare Part B deductible before Medicare and Plan N begin paying applicable Part B expenses.
Does Plan N have doctor networks?
No. A standard Plan N policy can generally be used with any healthcare provider nationwide who accepts Original Medicare.
Will my Plan N premium increase?
It can. Insurance companies may receive approval for rate increases, and attained-age pricing can also affect premiums as you grow older.
Can I change Plan N companies to obtain a lower rate?
You can apply to change companies during the year, but medical underwriting may be required unless you have a guaranteed-issue right or another enrollment protection.
Does it cost more to use an independent Medicare broker?
No additional broker fee is generally added to your Medicare Supplement premium. An independent broker can compare multiple insurance companies and explain their rates, discounts and underwriting requirements.
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Schedule Your Medicare Consultation Today
Medicare can be confusing, but getting answers shouldn’t be.
Whether you’re enrolling for the first time, reviewing your current coverage, considering a plan change, or simply looking for a second opinion, I’m happy to help you understand your options and answer your questions.
I’ve been helping Medicare beneficiaries since 1985, and I’ve built my practice on straightforward advice, long-term relationships, and treating people the way I’d want my own family treated.
If you’d like to discuss your Medicare options, call or text The DeAngelis Agency at 215-967-8828.
There’s no pressure and no obligation—just honest guidance to help you make a confident decision.