WHY People Say NEVER GET Medicare Supplement Plan N in 2023

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Why do some people say never get Medicare supplement plan N in 2023. This is a very important medigap question. The medigap plan g vs plan n is a huge debate about the benefits. Medigap plan g has a deductible and a copayment. The medicare supplemental plans are the best plans. Aetna and Cigna sell a Medsupp plan N. The medicare advantage plan is not better than a plan n. The Medicare plan n is not for everyone but it does cover hospital and doctor.

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Why you DO want a Medicare supplement plan G:

Disclaimer: This video is for entertainment purposes only. If you want advice on Medicare or any of its plans, please speak to a licensed agent, whether it is me or another licensed agent. No advice should be taken from this video. If you don't speak to me about your individual concerns, I can't give you my 100% opinion.

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[mikemandell]

I talked my wife into N as we both signed up at the same time. N has been fine for us (PA and Eagles SB 2023). The Dr. Copay is often less than 20 for us. We don't see a doctor anywhere near 20 times a year. But, this big differences between G and N is that number you have for G you pay no matter what. N can be lower---if your copay is under 20 and if you go to Dr less than 20 times. Plus, the rate increases for N are less than for G, which will, over the years, just make N more and more of a good deal.

[paulclark]

My wife and I both went with N plans, for my wife the N was $500.00 cheaper than G for a year and for me it was $400.00 cheaper. We live in Pennsylvania so no excess charges. I see 3 dr. two I see once a year and the other twice a year. My wife has a total of 6 visits each year so at $20.00 each visit it's only $200.00 so we saved $700.00 with N plans.

[emeraldmayfair]

Plan N has been excellent. We would not have any other plan. We would NEVER get a Medicare Advantage Plan.

[theeardrafter]

Great stuff I'm glad you are bringing the truth about MA It should be avoided unless you simply can't afford a supplemental

[tomschmidt]

Late to the party. My wife and I switched from F supplement to N with a different carrier several years ago and saved a substantial amount. I think the excess charge issue has been over hyped as has been posted they only apply to small percentage of doctors that accept Medicare and some states prohibit the practice.

Copay is an issue but unless you go to the doctor multiple times a month it is not a big deal. You need to approach choosing a supplement with a view to the long term. Over many years which choice do you think will result in the lowest total cost. G and N are both good choices but we are betting our lifetime cost with N will be lower.

[njlifeandhealth]

We've had people get surgeries that would have cost over $100, 000 on Plan N's with no problem! While many people lean towards G's simply for less variability in costs, a N is also incredibly comprehensive!

[larrycombs]

I am 75 - took plan F which was OK at the time I started medicare (aarp/uhc) and now my new rate in July would be 347/monthly - AARP UHC allowed me to move from plan F to plan N without underwriting (Ga) I cannot pass the health questions now - I could have younger. they accepted a G application with underwriting - but at a higher rate than even plan F. I am happy with being able to get plan N at age 75. I wish I had called Medicare 365 - I did it all on my own which I am sure was a mistake. I have watched all your videos - all very educational.
my plan N rate is 163.75 (exactly half of plan F) - I feel very fortunate not to be stuck with plan F the rest of my life. When the change was made to eliminate plan F sales to new people the government should have allowed all of us to have a one time switch since that changed everything related to the health pool but it didn't happen. I go to the doctors a lot but there is no way I will be paying more for plan N than I am for plan F.

[youngtimer]

In my 3rd year with N. Costs me about $90/month. Prescription coverage is $5/month. Dental plan is about $10/month. Glad I chose N.

[jayrosenbloom]

I just started plan N in April. I have only paid one $20 copay to my eye doctor so far. My Primary and my Specialist doctors are not collecting them!

[sct]

In NYC, the cheapest Plan N is $215 and cheapest Part D is $12 per month.
NYC is expensive & crowded, but with so many hospitals and doctors in 1 area, and easy commute, we are aging in place.

[jamesmaggio]

I agree with you for plan N.
This “excess” fee is not common?
And would we know in advance to stay away from those Doctors/hospitals?
Thanks for the great videos❗️

[joycewright]

My problem with plan N is when I call a doctor office to ask if they take Medicare assignment (whether or not I get charged excess charges) I am told “yes we do”. It always turns out the billing people have no clue what “assignment “ means and they interpret the question as “yes we take Medicare “. Then I end up with a bill for excess charges.

[judgebullingham]

i am about to turn 65 but am delaying part b because my spouse is still working full time in for a company that employs hundreds of people and that health insurance is covering us. But when i do elect part b, i would never ever go on a medicare advantage plan for all of the reasons that you hear about or can read about all over the net. The High Deductible G is decent if (a) you are in a financially comfortable position to cover potentially two overlapping periods when you need to pay out of pocket or (b) if you are having a hard time paying the $90-$160 per month of an N or G plan. Otherwise, N or G is the way to go, at least in 2022-2023.

[JohnSmith-qzzp]

Before I turned 65 I asked people what they had. Most of them had advantage plans because I think they were just pushed into them and they didn’t bother to investigate what it means. If it’s on TV advertised every day you should wonder who benefits from it. Not you!

[KatsDad]

Some people are on the advantage because that’s all they can afford. And they hope they will remain healthy. Also some have VA benefits, and that will work in addition to advantage. For most that don’t fall into those categories, this guy is spot on.

[mattmathai]

I'm on Plan N. I go to the doctor maybe once every couple of years. That will change, I'm sure, but still. Also, Plan G premiums rise much faster every year than Plan N premiums do. Most medical care doesn't incur excess charges. All in all, Plan N is a FAR better value for most people.

[ReachTim]

I'm on the UnitedHealthcare supplement plan N via AARP, and I was given a notice that my monthly is going up to $242.00 ! ....and that's the N plan, not G. Maybe because I live in zip code 10024 NYC? This is really outrageous and I don't know what to do.

[mdanderson]

Trying to decide between G and N. The only thing that keeps me from going with N is the excess charge. You never know when this might happen. It may be rare, but could be the future trend.

[RRaucina]

66 years old and on "N" from humana for years [2015]. Monthly is a huge $243 per month. I called a salesman and all he would talk about is the Humana all in one plan for $66 a month, but with a huge OOP. He said G and N are both no [for him?] How can I get my plan N cost down?

[The_Temple]

I went with N - seems best for me. G would be fine, and overall costs likely rather close, but thinking of potential future premiums, betting G will rise faster