
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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