Medicare Supplement Plans Comparison

Most Popular Medigap Plans

Plan G (Most Recommended)

Covers:

• Part A deductible
• Part A copays and hospice
• Part B copays and coinsurance
• First 3 pints of blood
• Skilled nursing facility
• Part B excess charges
• Foreign travel emergency (80%)

You Pay:

• Part B deductible ($240 in 2024)

Best For: Most people - excellent coverage, better value than Plan F

Plan N (Budget Option)

Covers:

• Same as Plan G EXCEPT:
  • No Part B excess charges
  • Small copays ($0-50)

You Pay:

• Part B deductible
• Up to $20 for doctor visits
• Up to $50 for ER visits

Best For: Healthy seniors who rarely visit doctors

Plan F (Grandfathered Only)

Covers:

• Everything including Part B deductible

Best For: Only available to those eligible before 2020

Cost Comparison Examples

| Plan | Monthly Premium | Annual Cost | Total OOP | |------|----------------|-------------|----------| | Plan G | $150-200 | $1,800-2,400 | +$240 deductible | | Plan N | $120-160 | $1,440-1,920 | +copays | | Plan F | $200-250 | $2,400-3,000 | $0 |

Decision Guide

Choose Plan G if:

• You want comprehensive coverage
• You visit doctors regularly
• You want predictable costs

Choose Plan N if:

• You're healthy
• You want to save $400-500/year
• Occasional copays don't bother you