When it comes to Medicare Supplement plans, Plan G and Plan N are two of the most popular choices for seniors looking to reduce out-of-pocket healthcare costs. But which one is the best fit for you? Understanding the differences in benefits, costs, and eligibility can help you make an informed decision.
If you're searching for Medicare Supplement Plan G in Burleson, TX, Beach Insurance Group is here to guide you through your options and help you find the right coverage for your needs.
What Are Medicare Supplement Plans?
Medicare Supplement (Medigap) plans work alongside Original Medicare (Parts A and B) to help cover expenses like deductibles, copayments, and coinsurance. These plans do not replace Medicare but provide additional financial protection against high medical costs.
Plan G and Plan N are two of the most comprehensive Medigap options available. Let’s compare them in detail.
Medicare Supplement Plan G
Plan G offers some of the most extensive coverage available under Medigap, making it a top choice for seniors who want predictable healthcare costs.
Benefits of Plan G:
- Covers all Medicare-approved expenses except the Part B deductible($257 in 2025)
- No network restrictions – visit any doctor or specialist that accepts Medicare
- Covers excess charges, meaning if a doctor charges more than Medicare’s approved amount, Plan G pays the difference
Who Should Choose Plan G?
- Seniors who want near-complete coverage with minimal out-of-pocket expenses
- Those who frequently visit doctors or specialists and want protection from excess charges
- Individuals who want peace of mind knowing they have comprehensive coverage
Real-World Example:
Barbara, a retiree in Burleson, TX, has several chronic health conditions that require frequent specialist visits. With Plan G, she never has to worry about excess charges or surprise medical bills. She pays her annual Part B deductible and then has full coverage for her Medicare-approved medical services.
Medicare Supplement Plan N
Plan N offers strong coverage but requires some cost-sharing. It is a more budget-friendly alternative to Plan G.
Benefits of Plan N:
- Covers Part A deductible, hospital stays, and coinsurance
- Lower monthly premiums compared to Plan G
What You Pay with Plan N:
- The Medicare Part B deductible($257 in 2025)
- Up to a $20 copay
for doctor visits
- Up to a $50 copay
for emergency room visits (waived if admitted)
- Does not cover Medicare excess charges(if a provider charges more than Medicare’s approved amount, you may be responsible for the difference)
Who Should Choose Plan N?
- Seniors who want solid coverage at a lower monthly cost
- Those who don’t mind occasional copays
- Individuals who mostly see Medicare-approved providers who do not charge excess fees
Real-World Example:
John, a healthy 68-year-old in Burleson, TX, rarely visits the doctor. He chooses Plan N to save money on monthly premiums while still having strong coverage for hospital stays and unexpected medical needs. Since he only visits the doctor a few times a year, the small copays make sense for his budget.
Comparing Costs: Plan G vs. Plan N
Feature
Plan G
Plan N
Monthly Premium
Higher
Lower
Part B Deductible ($257 in 2025)
You pay
You pay
Doctor Visit Copay
None
Up to $20
ER Visit Copay
None
Up to $50 (waived if admitted)
Covers Medicare Excess Charges
Yes
No
Which Plan Is Right for You?
Choosing between Medicare Supplement Plan G in Burleson, TX
and Plan N depends on your healthcare needs and budget.
- If you want complete coverage
with no surprise medical costs, Plan G is the best option.
- If you prefer lower monthly premiums
and don’t mind occasional copays, Plan N can be a cost-effective choice.
Get Expert Help from Beach Insurance Group
Navigating Medicare options can be confusing, but you don’t have to do it alone. Beach Insurance Group is here to help you compare plans and find the best fit for your needs and budget.
