Paid Subscribers: Medigap Plan G vs Plan N

My Nth Time Explaining (see what I did there?)

Others Claim Plan N Is Good Value: Oh Boy

Plan G: $120
Plan N: $95
This is about right, for a 65 yr old female, in an average state.

Difference in Out of Pocket Costs

Equation 1: Out of Pocket Costs for Plan G = Part B Deductible
Equation 2: Out of Pocket Costs For Plan N = Part B Deductible + Office Visits (up to but not exceeding $20) + ER Visits (up to $50) + Part B Excess Charges

Plan N is Cheaper, Then The Difference Erodes
Example: 3 office visits = $45 (let’s call it not $20) / 12 = $3.75 monthly average
Example: 0.5 ER visit = $25 / 12 = $2.50
Sum = $3.75 + $2.50 = $6.25 a month

So the premium difference = $25, less $6.25 a month = $18.75 a month.
That leaves the Part B Excess, I have compared Equation 1 to Equation 2. That value = $120-95-6.25 = $18.75 a month x 12 = $225 a year.

YGTBKM (You Gotta Be Kidding Me)
If $225 a year means that much to you (two bottles of very bad wine a month), why are you not closely examining Medicare Advantage at $1800 a year lower in premium? I could increa…