Which is the better choice? Medicare supplement plan N or a Medicare Advantage plan?
- Medicare supplement plan N has lower overall costs
- Plan N allows you to use any doctor anywhere
- Medigap plan N does not penalize you for using out of network doctors
- Plan N does not require you to change plans every year
Medicare Advantage plans are different from Medicare supplement plans
- Medicare Advantage plans have lower monthly premiums
- Advantage plans often package a drug plan with your health plan
- Medicare Advantage plans have annual open enrollment periods
- Advantage plans offer managed care
Most seniors would prefer to keep their current doctor and do not want to go doctor shopping every year if they change plans.
With an Advantage plan your doctor network can change at any time, especially if you switch plans every year.
When you have Medicare supplement plan N you are in original Medicare. Any doctor or hospital that accepts Medicare assignment will also accept your Medigap plan.
Medicare Supplement Plan N or Advantage. Which is Better for You?
When you have an Advantage plan you are in a private Medicare system. Claims are filed with an insurance company that decides if they will honor the claim or not.
Medicare supplement plan N means you know exactly how much you will pay for each medical procedure.
Advantage plans have a lot of moving parts. Deductibles, copay’s, coinsurance, out of network penalties mean you often have no idea how much you are expected to pay until after the claim is filed with your insurance carrier.
Almost everyone of my clients that compared Medicare Advantage to Medicare supplement plan N decide plan N is the better choice. Check out rates for Medigap plan N. Free instant quote.
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