Best Medicare Plan N Prices - Find best costs for Medicare Supplement Plan N - 2021 Medigap Plan N Price Index - Chicago, Dallas, Phoenix, New York

Find the best Medigap Plan N Policies and Prices

Best Medicare Plan N Prices

While all Medicare Plan N offer identical benefits, the same cannot be said when it comes to what you might pay.

Medicare Plan N Pricing

  • In every market prices varied significantly.
  • The difference could be 300% or more.
  • Women turning 65 may pay less than men.
  • No single insurer always had the lowest prices.
  • Some insurers added fees.
  • Spousal discounts may be available.
  • No single insurer consistently had the highest prices.
  • Comparison shopping can save you thousands of dollars.

The information comes from an analysis of Medicare Plan N policy pricing conducted by the American Association for Medicare Supplement Insurance in May, 2021.

Find the Lowest Cost for Medigap insurance in Your Area

Local-Medicare-agentsDepending on where you live, there may be 4 or 5 insurance companies offering Plan N policies.  There could be as many as 24 or 25.  Comparing is very difficult to do because comparison software is generally only available to insurance agents.

For that reason, we suggest working with a Medicare insurance agent who can compare multiple insurance policies.

You can use the Association’s directory to find agents in your area.

Access is free.  It’s 100% private.

Enter your Zip Code in the box on the right.  Click FIND AGENTS.  That’s it!

2021 Plan N Price Index – Top 10 U.S. Markets

Medicare-Plan-N-Prices-2021

Click the link to open a PDF of this document: Medigap-Plan N Price Index

Want to see 2021 Medicare Plan G Prices?  Click the link.

Compare Medicare Plan G and Plan N

According to industry data, more seniors turning age 65 enroll in Medicare Supplement Plan G than Plan N.  What’s the difference ?

Plan G offers more protection than Plan N.  You should know the two areas that Plan G covers, but that Plan N doesn’t.

Plan N does not cover:

  • Excess Charges: This  can be the additional cost that some health care providers charge. Most providers that accept Medicare payments also accept Medicare ‘assignment’ (what Medicare will pay for a given service). If the provider wants to be paid more, they can bill you for excess charges.  These can only be up to an additional 15% of the original cost.
  • Co-payments: With Plan N, you will be responsible for any co-pays of up to $20 for some office visits.  Or, the co-pay could be up to $50 if you go to the emergency room but aren’t admitted as an inpatient.

Because Plan G generally provides more benefits, it is  more expensive than Plan N.  Many consumers find that while Plan G usually has higher premiums, it can save money in the long run.  For instance, if you need to visit your doctor for treatment regularly, your out-of-pocket costs with Plan N can easily add up.  As a result, Plan N can cost you more than if you had selected Plan G.

Additional information for consumers

Read 10 questions to ask when you want to find a Medicare insurance agent.

Want to find Medicare insurance brokers ? Learn the difference between an agent and a broker.

Can You Switch policies after buying?  Every consumer has the right to change their mind and cancel a new Medigap policy within the first 30 days. The 30 days is called your “free-look period.”   It starts the day you get your new Medigap policy.  After the 30 days it can be difficult.  But, speak to the insurance agent or broker you work with.  They should be able to help you find any options.  These can vary.