The ultimate showdown: Medicare Plan G vs Medicare Plan N

In this video, we break down the ultimate showdown between Medicare Plan G and Medicare Plan N. Learn the differences, advantages, and which plan may be best for you.
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I am Keith Armbrecht founder of Medicare on Video and I help people across the country make the right Medicare choices.

➡️What you will see on my channel:

✔️Medicare Supplement Plan
✔️Difference between Plan G vs Plan N
✔️When You Can Enroll into Medicare
✔️Social Security Information
✔️And more

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[exmarine]

Three years ago, I opted for Plan G high deductible. Only $48/mo. Since I do not go to dr often and pretty healthy, I did not want to pay high premiums up front for no deductible. I have already saved $7k in premiums.

[reinaldodejesus]

I went with regular A & B and plan N, which I found to be very reasonable and don't mind paying those small copays . Thank you for a great and informative video for those still researching on which way to go .

[jefffarmer]

I'm on plan G and I'm keeping that over plan N for at lease this year. I'm in Missouri and we're one of the states that allow an annual premium adjustment from the insurer and also allows me to shop price annually. So, my insurer gave me a 15% increase this year but Keith's team was way ahead of them. My rep, Julia Jones called me even before I got the increase notification in the mail and told me it looked like it was coming. She was right and she already had a different insurer that has a rate only $2.00 per month over what I was paying. We made the change and canceled the one with the higher rate.
I was happy with that but Julia also pointed out that I can shop price annually if I want and shes happy to help with that. I can look for the best plan G price each year or if I wanted I could downgrade to plan N for a even lower price. I think there are some medical questions if I wanted to go back to G later but I'm healthy so that's not a problem. For this year I have a good price on plan G and I happy where I'm at. It's great to have this team looking out for me. Thanks Julia!

[randolphh]

Another way to look at High Deductible G, is that the deductible starts at $2800 minus the premium savings. In my wife’s case she saves $1400 per year on premiums, so the true deductible is $1400. AND the “deductible “ is also a copay most of the time, not a true deductible except when being admitted to the hospital. So far she is saving hundreds of dollars per year, yet still getting care.

[paulclark]

My wife and I both went with a plan N, we live in PA and also see Dr in Ohio, both states do not permit excess charges, but the biggest selling point for us was the N plan saved us saved us over $900.00 in premiums for the year. after 3 years both premiums together still only cost us $164.00.

[-myal-]

It depends on how often you have to see doctors. My spouse, who has a chronic health issue, sometimes has three doctor appointments within a week.

[youdan]

Do you think there is any truth to the rumor that more doctors are going to opt out of Medicare assignment due to low re-imbursement rates by the insurance companies so they can start billing the 15% excess charge? I could foresee this being a potential issue with plan N

[nancymiller]

The Plan N copay doesn’t start until after the Part B deductible is met, which takes a couple of doctor appointments.

[michaelmcfeely]

Too fucking complicated. I despise the insurance system.

[Samuel]

Plan G costs over $300 a month in NYC. Plan N costs around $250 a month. Plan GHD costs $70 a month with $2, 800 deductible annually... So, if you don't see a doctor every other day, or don't end up in a hospital, plan GHD makes sense in NYC.

[dennislaplant]

I live in Florida. Whenever I hear you say average Supplement premiums I have to laugh because they are so much higher here -
Plan G: $221
Plan N: $161
Plan GHD: $67

I'm in average health for a 65 yo male and really need to save money, but I'm concerned about the GHD deductible if I become chronically ill and max it out every year. Plus it will increase each year based on unknown future CPI-U inflation rates.

Given these premiums, I've eliminated G, but would N or GHD make more sense in the long-term?

[jeffs]

How do premium increases compare between Plan N and HDG?

[willay]

That range in costs is not correct for here in NY. It is a lot higher for my zip code!!!

[NoMoreTears]

Does the 20.00 co pay for doctor on Plan N, count towards the Plan N deductible or the Plan B deductible?

[vladeckk]

Do excess charges accrue on tests like mri or hospital fees? My experience (not yet on medicare) is that 15% of those could be serious money

[craigfugit]

If you decide to go with Plan N can you switch to Plan G later?

[chrisschiel]

My concern is with Medicare constantly being robbed of money to pay for other government programs, will more doctors begin to charge (excess charges)

[debclark]

I tried to find something different than my plan g but I was told no because I have an chest anusyseum