Why Medigap Plan N Might Be the Best Choice for 2025

If you are looking at Medicare options, you have probably heard of Plan G. It is the most popular Medigap plan in the country. But what if we told you there is another plan that gives you great coverage, saves you money, and could be the better choice in 2025? Let’s discuss more about Medigap Plan N 2025 and why the team at LMS Insurance Group thinks it is a smart move for many people.

What Does Medigap Plan N Cover?

Medigap Plan N helps cover many of the costs that Medicare doesn’t pay. That includes things like hospital stays, skilled nursing care, and even emergency room visits.

Here is what it does not cover:

• The Part B deductible is $257 in 2025.

• A small doctor visits with a co-pay of up to $20.

• A $50 co-pay if you go to the ER and are not admitted.

• Part B excess charges. Though we will explain why that might not be a problem at all in certain states!

So, after you meet your $257 deductible, Plan N will pay 100% of the costs for most services approved by Medicare. That includes things like surgeries, hospital stays, cancer treatments, and even air ambulances.

How Much Can You Save with Plan N?

Now let’s talk about money. Plan N is usually $30 to $50 cheaper every month compared to Plan G. That adds up to hundreds of dollars a year.

For example, in Trumbull County, Ohio:

• A 65-year-old female pays around $118/month for Plan G.

• The same person pays only $85/month for Plan N.

That is a savings of $33/month, or almost $400 a year!

For men, the savings are just as big. A 65-year-old male pays around $135/month for Plan G, but only $98/month for Plan N, A savings of $37/month.

Even if you go to the doctor a few times a year and pay that $20 co-pay, you are still likely to save money in the long run.

Medigap Plan N vs. Medicare Advantage: What’s the Difference?

It is easy to mix up Medigap with Medicare Advantage. The main distinction is:

• Medigap works with Original Medicare, just like Plan N.

• Medicare Advantage takes the place of Original Medicare.

With Medigap Plan N, you may still visit any doctor in the U.S. who takes Medicare. You don’t need to join a network or get a recommendation. That’s a significant problem if you travel or want to see your doctor.

Medicare Advantage plans, on the other hand, may restrict your options and may require you to get permission before getting some therapies.

Who Is Medigap Plan N Best For?

Medigap Plan N 2025 might be a smart choice if:

• You are generally healthy and don’t visit the doctor often.

• You live in a state with no excess charges (like Ohio or Pennsylvania).

• You want lower monthly premiums but still want strong coverage.

• You are okay with small co-pays in exchange for saving $30–$50 every month.

It is a perfect balance for people who want peace of mind without paying for coverage they may not need.

What Are Part B Excess Charges (And Should You Worry About Them)?

Part B excess charges happen when a doctor doesn’t accept Medicare’s payment limits and charges up to 15% more. Plan G covers these charges, but Plan N does not.

However, most doctors don’t charge excess fees anyway. In fact, over 95% of U.S. doctors who accept Medicare agree to the payment limits. And remember, if you live in one of the eight states that ban excess charges altogether, you don’t need to worry about this at all.

Why Plan N Is a Great Pick in Some States

Here’s the big reason we recommend Medigap Plan N in 2025 if you live in Ohio, Pennsylvania, or six other states: those states have a law called the Medicare Overcharge Measure (MOM). This law says doctors cannot bill you for those excess charges that Plan N doesn’t cover.

So in these states, you don’t have to worry about one of the main things Plan N skips. That means you get almost the same benefits as Plan G but at a lower price.

Just Google Medicare Overcharge Measure to see if your state is one of them. If it is, Plan N might be a clear winner.

Can You Switch to Medigap Plan N in 2025?

Yes! You may be eligible to apply for Plan N if you are currently enrolled in Medicare and have a different Medigap plan or are thinking about moving from Medicare Advantage. Just remember that you could have to go through medical underwriting unless you qualify for special enrollment. This depends on your state and your health.

That’s why it’s a good idea to chat to a Medicare specialist before you make any adjustments.

What If You Travel Often?

If you love to travel, Plan N could be your best friend. Since it works nationwide and with any doctor who takes Medicare, you won’t be tied to a local network. Whether you’re visiting grandkids in another state or snowbirding in the south, Plan N keeps your care simple and stress-free.

Why More People Should Know About Plan N

According to the Kaiser Family Foundation, only 10% of people who buy Medigap plans choose Plan N. At LMS Insurance Group, that number should be much higher.

Plan N gives you great coverage, monthly savings, and is especially smart in states that block excess charges. While Plan G is still a solid option, Plan N offers the same peace of mind at a lower cost. For many people, it is a better deal.

LMS Insurance Group is here to help you compare Medigap plans and find the one that fits your budget and health needs. Whether it is Plan G, Plan N, or something else, we will walk you through every step.