Medicare Supplement Showdown 2025 – Plan G or Plan N?

Choosing between Medicare Supplement Plan N vs Plan G could save or cost you thousands over 20+ years. Here's exactly what you need to know to make the right decision for your Medicare coverage.

In this comprehensive comparison, you'll discover:

• The key coverage differences between Plan N and Plan G
• How Plan N's $20 office visit and $50 ER copays actually work
• The truth about Part B excess charges (and why 99.7% of claims don't have them)
• Real cost projections showing potential savings of $18,000-$30,000 over 21 years with Plan N
• Why 85% of people choose Plan G despite Plan N's lower premiums

We'll walk through actual examples, including knee replacement surgery and chemotherapy scenarios, so you understand exactly what you'd pay with each plan. You'll also see state-by-state premium comparisons and learn why Plan N typically has smaller annual increases.

Whether you prefer Plan N's lower premiums with some cost-sharing or Plan G's comprehensive coverage with higher premiums, you'll have all the facts to choose confidently.

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Timestamps:

00:00 Introduction: Choosing Between Medicare Plan N and Plan G
00:49 Join Our Medicare Q&A Facebook Group
01:18 Understanding Medicare Supplements
02:18 Commonalities Between Plan N and Plan G
03:12 Differences in Copays: Plan N vs. Plan G
08:15 Understanding Part B Excess Charges
12:51 Real-Life Examples of Excess Charges
16:39 Cost Savings: Plan N vs. Plan G
19:14 Long-Term Projections and Savings
23:21 Why Many Choose Plan G Over Plan N
25:04 Conclusion: Making an Informed Decision

Video Sources:

Government/Official Sources:

Medicare & You Handbook (2025): https://www.medicare.gov/publications...

Choosing a Medigap Policy Guide: https://www.medicare.gov/publications...

CMS Medigap Plans Overview: https://www.cms.gov/medicare/health-d...

Plan N Guidance Document (CMS): https://www.cms.gov/Medicare/Health-P...

Medicare Participation Announcement: https://www.cms.gov/files/document/me...

Electronic Code of Federal Regulations: https://www.ecfr.gov/current/title-42...

New York Assembly Physician Charges Document: https://nyassembly.gov/write/upload/r...

MedPAC Report to Congress: https://www.medpac.gov/document/june-...

Third-Party Resources:

Medicare Interactive: https://www.medicareinteractive.org/u...

Kaiser Family Foundation (KFF): https://www.kff.org/medicare/issue-br...

Humana Medicare Resources: https://www.humana.com/medicare/medic...

Medical News Today: https://www.medicalnewstoday.com/arti...

Noridian Medicare: https://med.noridianmedicare.com/web/...

Telos Actuarial: https://www.telosactuarial.com/future...

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