Expect more.

Supplement Plans and Prices

At Denali, we've found that most of our clients who choose a Medicare Supplement plan tend to enroll in either Plan N or Plan G. These plans offer a great balance of coverage and affordability, making them popular choices for those seeking to manage their out-of-pocket costs in Original Medicare.

Medicare Supplement Plans N and G are popular choices for people who want help with out-of-pocket costs in Original Medicare. Here's a quick look at what they cover:

Plan N

  • Good Value: Plan N offers a balance of coverage and affordability.
  • What it Pays: Plan N covers most Medicare out-of-pocket costs, including:
    • Part A coinsurance and hospital costs
    • Part B coinsurance and copayments (except for some office visits and emergency room visits)
    • Part A hospice care coinsurance or copayment
    • Skilled nursing facility care coinsurance
    • Foreign travel emergency (up to plan limits)
    • Plan N has a $20 office visit copay
    • Plan N has a $50 ER visit copay

Plan G

  • What it Pays: Plan G covers everything Plan N covers, plus:
    • Part B excess charges
    • No copays for office visits or ER visits
  • Comprehensive Coverage: Plan G offers the most comprehensive coverage of any Medigap plan currently available to new Medicare enrollees.

Things to Consider When Choosing:

  • Plan N has lower premiums, but you'll have some out-of-pocket costs, like a $20 office visit copay and a $50 ER visit copay.
  • Plan G has a higher premium because it does not have an office visit or ER visit copay.

Ultimately, the best plan for you depends on your individual needs and budget. Plan N could be a better fit if you prefer lower premiums and are comfortable with some out-of-pocket costs. If you want the most comprehensive coverage and don't mind paying a higher premium, Plan G might be a good choice.

CARRIER

NEXT PRICE CHANGE

PLAN G

PLAN N

CIGNA
 
$225
$171
Humana
 
$241
$195
Medico
August 1, 2025
$208
$147
Mutual of Omaha
 
$252
$177
Regence BlueShield*
April 1, 2025
$230
$177
United Healthcare (AARP)
June 1, 2025
$256
$209

*Regence Blue Shield offers a $15 discount for each spouse who is enrolled

Medicare Disclaimer: We do not offer every plan available in your area, so any information we provide is limited to those plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE for information on all of your options.


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