Medicare Supplement Plan N — Lower Premiums, Same Great Coverage

Medicare Supplement Plan N — let me break this down so you can make an informed decision about your Medicare coverage.

I’m Michael Cubell with Triangle Life & Health, a licensed independent agent serving 15 states. Here’s what you need to know.

Key Points

• ✅ Medigap plans are standardized — Plan G is Plan G regardless of the carrier
• ✅ The ONLY difference between carriers is price and rate increase history
• ✅ Best time to buy is during your Medigap Open Enrollment (6 months starting at age 65 + Part B)
• ✅ Plan G is the most popular — covers everything except the Part B deductible ($283/year)
• ✅ Plan N saves 15-25% on premiums with small copays ($20 office, $50 ER)
• ✅ Medigap does NOT include Part D — you need a separate prescription drug plan

Plan G vs Plan N — Quick Comparison

Feature	Plan G	Plan N
Part B deductible	You pay ($283/yr)	You pay ($283/yr)
Office visit copay	$0	Up to $20
ER copay (not admitted)	$0	Up to $50
Part B excess charges	Covered	Not covered
Monthly premium	$120-$250	$90-$200

Why Rates Vary So Much Between Carriers

Because Medigap plans are standardized, the coverage is identical. But carriers use different pricing methods:

• Attained-age: Premium increases as you age (most common)
• Issue-age: Premium based on age when you bought it (increases for inflation only)
• Community-rated: Same rate for everyone regardless of age (rare but best long-term)

An independent agent knows which carriers use which methods — and which have the best rate increase history.

Get Your Free Rate Comparison

I compare rates from the Medigap carriers I’m contracted with in your state. Same coverage, potentially hundreds of dollars in savings per year. Call (919) 944-8443 or schedule a consultation.

📞 Call (919) 944-8443 — Free Comparison