Move To A Plan N Supplement

Move To A Plan N Supplement

Move To A Plan N Supplement In this post, we are going to give you some reasons why you should Move To A Plan N Supplement.  The majority of seniors enrolled in an AARP Medicare Supplement plan (Also called Medigap) are in Plan F when the best choice would be AARP Plan N supplement.  Why are so many people enrolled in Plan F? What reason should they enroll in plan N instead?  In fact, there are a number of good reasons to consider this option.

First, we will look at why most people with an AARP supplement in Connecticut have Plan F.  Because Plan F has been around the longest most people are familiar with it.  It also has one of the highest premiums which makes consumers think it is the best choice.   On the other hand, Plan N has only been around for 3 years and is not as easy to understand compared to Plan F.

Plan F

Covers 100% of Medicare approved services not covered by Medicare A and B.  Plan N has some limited out of pocket costs ($50.00 for ER visit, $147.00 annual part B deductible, up to $20 for physician services).  All other benefits are the same as plan F.  The premium of plan N in CT is $145.50 a month vs. the Plan F premium of $218.50 a month representing a $876.00 a year premium difference.   The limited out of pocket costs of Plan N make it highly unlikely that anyone will have $876.00 in medical copays.  Only the highest of utilizers of care would be able to approach the number.

Those that want to make a change in Connecticut do not need to wait for the Annual Election Period.  You can switch from Plan F to Plan N any time of the year in Connecticut.   Because it is a guaranteed issue state for Medicare Supplement plans.

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If you would like more information about this healthcare plan or any other plan please contact us.  You can reach us either by phone at (203)796-5403 or by email at admin@croweandassociates.com.