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[Nobody Famous]

There are decisions you can make on cost increases, but they're made one time when you do initial sign up. You choose either Medicare Advantage or traditional Medicare with a supplement Plan G, N or High Ded G and you choose the carrier for the supplement. Like the YT video guy says you can expect different...

[Nobody Famous]

To be brutally honest you're only ever get the tip of the iceberg by asking and reading on here.

If you really want to be informed then deep dive on YouTube and Reddit, I literally spent 14 -18 hours on YT before ever talking to any brokers. Then talk to multiple brokers. Then decide. Then...

[Nobody Famous]

Not sure I follow this. All Medigap plans will cover the same treatment. The differences are in the deductibles and the copays, and for N excess charges. Once deductibles are meet you will never get a situation of full payment for joint replacement on a G, but only partial payment on an N or a high...

[Nobody Famous]

Technically No. N allows excess charges but G does not. So if you ignore the point about excess charges then yes premium and co pay are the biggest differences. And as mentioned in here excess charges are not so common.

There is also a big intangible factor, the guy in the first YT video...

[Nobody Famous]

That's s good thing for people in N plans, e.g., fewer people in the pool and healthier people, too.

Perspective. Isn't it true that somewhere way less than 1% of all medicare visits, and something in the 0.5% -1% of doctors actually charge excess charges? On top of that a few states forbid...

[Nobody Famous]

Assuming you want a more than summary explanation, ...
- This YT video is a good explanation of Plan G vs. Plan N rate increases, spoiler alert the rate jumps are mainly but not totally driven by the number of healthy people in each plan, healthy people gravitate to N so lesser rate increases,...