If you’re wondering Why I Recommend Medicare Plan N, the answer comes down to value.
After helping Medicare beneficiaries since 1985, I have seen many people compare Medicare Supplement Plan G and Plan N. While Plan G gets a lot of attention, approximately 90% of my Medicare Supplement applications are for Plan N.
That does not mean Plan N is right for everyone.
But for many Pennsylvania Medicare beneficiaries, I believe Plan N offers an excellent balance of coverage, flexibility, and premium savings.
Call 215-967-8828 if you’d like help deciding whether Plan N may be right for you.
Why I Think Plan N Offers Better Value
In Pennsylvania, one of the biggest differences between Plan N and Plan G is that Plan N may require you to pay up to a $20 copay for certain office visits.
At the same time, Plan N premiums can sometimes be $500 to $800 less per year than comparable Plan G premiums.
I often ask clients:
Why spend an extra $500 to $800 every year just to avoid occasional $20 office visit copays?
For many people, the math simply makes sense.
That is one of the biggest reasons Why I Recommend Medicare Plan N so often.
What About Medicare Part B Excess Charges?
One of the concerns people hear about with Plan N involves Medicare Part B excess charges.
But Pennsylvania is different.
In Pennsylvania, doctors must accept Medicare assignment. That means Medicare Part B excess charges are generally not an issue for Pennsylvania Medicare beneficiaries.
That matters because one of the common arguments against Plan N is the possibility of excess charges.
For many people in Pennsylvania, the real practical difference between Plan N and Plan G often comes down to the office visit copay.
That is why Plan N can be such a strong value.
If you want more detail on that issue, read Can Doctors Charge Medicare Excess Charges in Pennsylvania?
Who Might Be a Good Candidate for Plan N?
Plan N may be worth considering if you:
• Want to reduce your monthly premiums
• Do not mind occasional office visit copays
• Prefer not to pay extra for benefits you may rarely use
• Want strong Medicare Supplement coverage
• Appreciate the potential savings compared to Plan G
• Live in Pennsylvania and are concerned about getting good value
Every situation is different.
The right choice depends on your health needs, budget, doctors, prescriptions, and comfort level.
Why I Don’t Recommend the Same Plan to Everyone
I’ve been doing this since 1985, and I do not believe in one-size-fits-all Medicare advice.
Sometimes Plan G is the right choice.
Some people want the simplicity of paying a higher premium and having fewer small bills later.
But many people are surprised to learn that Plan N may provide excellent coverage while reducing annual premium costs.
That is why approximately 90% of my Medicare Supplement applications are for Plan N.
The goal is not to push one plan over another.
The goal is to help you choose the coverage that makes the most sense for your situation.
Frequently Asked Questions
Why do you recommend Plan N so often?
Because many people can save hundreds of dollars each year while only taking on occasional office visit copays.
Is Plan N better than Plan G?
Not always. It depends on your situation. However, many Pennsylvania Medicare beneficiaries find Plan N offers excellent value.
How much can I save with Plan N?
Savings vary, but in some cases Plan N premiums may be $500 to $800 lower annually than Plan G premiums.
Do most of your clients choose Plan N?
Yes. Approximately 90% of my Medicare Supplement applications are for Plan N.
Does Pennsylvania make Plan N more attractive?
In many cases, yes. Since Pennsylvania doctors must accept Medicare assignment, Medicare Part B excess charges are generally not the same concern they may be in other states.
Contact The DeAngelis Agency
If you’re trying to decide whether Plan N or Plan G is right for you, I would be happy to help.
Joe DeAngelis has been helping Medicare beneficiaries since 1985 and can help you compare Medicare Supplement options without pressure or obligation.
Call 215-967-8828 to schedule your Medicare consultation.
Related Medicare Topics
- Best Medicare Supplement Plans in Pennsylvania
- How to Choose a Medicare Supplement Plan
- Can I Switch Medicare Supplement Companies Without Losing Coverage?
- Questions to Ask a Medicare Agent
- How Does a Medicare Broker Get Paid?
- Which States are not allowed to charge Medicare Excess Charges
Related Local Pages
• Doylestown Medicare Broker
• Newtown Medicare Broker
• Warminster Medicare Broker
• Quakertown Medicare Broker
• Southampton Medicare Broker
• Bensalem Medicare Broker
• Lansdale Medicare Broker
• New Hope Medicare Broker
Schedule Your Medicare Consultation Today
Wondering whether Medicare Supplement Plan N could save you money?
Call 215-967-8828 and let Joe DeAngelis help you compare your Medicare Supplement options and determine whether Plan N is the right fit for your needs.
