Plan G vs. Plan N: Compare your Medicare Supplement insurance plan options today!
Medigap Plan F is the most popular Medigap plan and one of the only plans that covers the Part B deductible. But Plan F is going away for newly eligible beneficiaries on January 1, 2020.
Medigap Plans G and N provide similar coverage, and usually have lower monthly premiums than Plan F.
| Benefit | F | G | N |
|---|---|---|---|
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | ✓ |
| Coinsurance for skilled nursing facility | ✓ | ✓ | ✓ |
| Part A deductible | ✓ | ✓ | ✓ |
| Part B deductible | ✓ | $233 per year | $233 per year |
| Part B excess charges | ✓ | ✓ | X |
| Foreign travel emergency costs | 80% | 80% | 80% |
Coverage amounts that never decrease
Discounted eye services
Hearing discounts, including discounts on hearing aids
Up to 12% savings with a household discount (up to 7% in IN and IL)
No waiting periods for pre-existing conditions2
No application fees
1. State of Medigap 2019. (May, 2019). AHIP. Retrieved from www.ahip.org/wp-content/uploads/IB_StateofMedigap2019.pdf.
2. A pre-existing condition is a health problem you had before the policy effective date.
Neither United World Life Insurance Company nor its Medicare supplement insurance policies are connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare supplement insurance is underwritten by United World Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Policy forms: WM20, WM22, WM24, WM25, WM34, WM35, WM36. In NC: WM20-25293NC, WM24-25294NC, WM25-25295NC, WM34-25296NC, WM35-25297NC, WM36-25735NC. In WI: WM28-25274, WM29-25275, WM38-25779. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call (or write) your insurance agent or the company. In some states, Medicare supplement policies are available to those eligible for Medicare due to a disability, regardless of age. IMPORTANT NOTICE - “A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE” MAY BE OBTAINED FROM THE DEPARTMENT OF INSURANCE OR THE CENTERS OF MEDICARE AND MEDICAID SERVICES OR FROM UNITED WORLD LIFE INSURANCE COMPANY.
In NC, premiums are based on attained age, which means they will increase each year until age 99.
This is a solicitation of insurance and a licensed agent may contact you by telephone to provide additional information.
© 2022 Mutual of Omaha Insurance Company. 3300 Mutual of Omaha Plaza, Omaha, NE 68175. All Rights Reserved.
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