The Case for Plan N

As life and health insurance professionals, it’s our responsibility to guide clients based on facts — not fears.

When it comes to Medicare Supplement Plan N, many agents avoid it due to concerns over excess charges. However, a closer examination shows:

• Fewer than 2% of Medicare providers can even bill excess charges.
• 99.34% of Medicare claims involve no excess charges.
• When excess charges do occur, they average less than $20.

Meanwhile, Plan N typically offers an average premium savings of approximately $300 annually compared to Plan G. Even factoring occasional $20 co-pays or rare excess charges, clients are still financially ahead.

By presenting Plan N objectively, we allow clients to make informed, strategic decisions that balance risk and cost savings.

Let's prioritize education over assumption — and advocate for smarter Medicare Supplement choices.