Kansas Medigap Plan G vs. Plan N: Which is Best For You?
Choosing the right Medicare Supplement insurance (Medigap) policy can feel like trying to navigate a Kansas windstorm. If you are a Kansas beneficiary looking to fill the gaps left by Original Medicare, you have likely narrowed your choices down to the two most popular options in the Sunflower State: Plan G and Plan N.
At KansasMedigap.com, based right here in Overland Park (Johnson County), we help seniors from Cheyenne County to Cherokee County make sense of their Medicare options. As independent Kansas Medicare brokers, we don't work for the insurance companies—we work for you.
Here is a comprehensive, honest breakdown of Medigap Plan G vs. Plan N to help you decide which coverage fits your health needs and your budget.
The Core Difference: Predictability vs. Copays
Both Medigap Plan G and Medigap Plan N are designed to cover the "gaps" in Original Medicare (Part A and Part B), such as the hospital deductible and the 20% coinsurance you are normally responsible for paying out of pocket.
The fundamental difference comes down to how much you want to pay upfront in monthly premiums versus what you pay when you visit the doctor.
Medicare Supplement Plan G: Ultimate Peace of Mind
Medigap Plan G is the most popular plan for Kansas beneficiaries transitioning to Medicare. It offers near-total coverage.
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What you pay: You only have to pay the annual Medicare Part B deductible.
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What it covers: Once that small deductible is met, Plan G covers 100% of your remaining Medicare-approved medical expenses for the rest of the year. No copays, no surprise bills.
Medicare Supplement Plan N: Lower Premiums with Small Copays
Medigap Plan N is an excellent, budget-friendly alternative. It offers lower monthly premiums than Plan G in exchange for a little more cost-sharing.
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What you pay: Like Plan G, you pay the annual Part B deductible. After that, you may have small copays: up to $20 for some doctor’s office visits and up to $50 for emergency room visits (waived if you are admitted).
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What it doesn't cover: Plan N does not cover Medicare Part B Excess Charges (though these are incredibly rare in Kansas, as explained below).
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Quick Comparison: Plan G vs. Plan N
| Coverage Benefit | Medigap Plan G | Medigap Plan N |
| Medicare Part A Coinsurance & Hospital Costs | Covered (100%) | Covered (100%) |
| Medicare Part B Coinsurance or Copayment | Covered (100%) | Covered (except for up to $20 office copays / $50 ER copays) |
| Blood (First 3 Pints) | Covered (100%) | Covered (100%) |
| Part A Hospice Care Coinsurance/Copay | Covered (100%) | Covered (100%) |
| Skilled Nursing Facility Coinsurance | Covered (100%) | Covered (100%) |
| Medicare Part A Deductible | Covered (100%) | Covered (100%) |
| Medicare Part B Deductible | Not Covered | Not Covered |
| Medicare Part B Excess Charges | Covered (100%) | Not Covered |
| Foreign Travel Emergency | Covered (80%) | Covered (80%) |
Understanding Part B Excess Charges in Kansas
A Part B excess charge occurs if a doctor or provider does not accept "Medicare assignment" (the Medicare-approved amount) as full payment. They are legally allowed to charge up to an additional 15% above that amount.
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Under Plan G: These excess charges are 100% covered.
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Under Plan N: You would be responsible for paying them out of pocket.
The Kansas Reality: The vast majority of healthcare providers and major health systems across Kansas—from the University of Kansas Health System in Kansas City and Overland Park to Ascension Via Christi in Wichita—accept Medicare assignment. Excess charges are rare, meaning Plan N users in Kansas seldom encounter them. However, if you frequently travel out of state or see niche specialists, Plan G provides total safety from these charges.
Why Work with a Local Kansas Medicare Broker?
Medicare is a national program, but Medigap insurance is priced and regulated at the state and local levels. Medigap policies are standardized by the government, meaning a Plan G with one company has the exact same benefits as a Plan G with another company. However, insurance companies charge drastically different monthly premiums for the exact same coverage.
As your independent Kansas Medicare agent, we shop the entire Kansas marketplace to find you the lowest premium. We look at:
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The Best Rates: Whether you live in Wichita, Topeka, Olathe, Lawrence, or rural Western Kansas, we compare rates from top-rated carriers.
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Household Discounts: Many companies offer discounts if two people in the same household enroll.
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Rate Increase History: Some companies offer low introductory rates but raise prices aggressively every year. We help you choose a stable company for the long haul.
A Note on Our Overland Park Office: While our physical office is located in Overland Park, we are fully equipped to serve beneficiaries across the entire state of Kansas online or over the phone. You get the expertise of a local Kansas neighbor, no matter your zip code.
Which One Should You Choose?
Choose Plan G if:
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You prefer 100% predictable medical costs.
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You do not want to worry about paying copays at the doctor's office.
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You see doctors frequently or travel outside of Kansas often.
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You want the absolute highest level of protection available to new Medicare enrollees.
Choose Plan N if:
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You want to save money on your monthly insurance premiums.
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You are relatively healthy and don't mind paying a $20 copay when you visit the doctor.
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You want protection against catastrophic medical bills but want to minimize your fixed monthly expenses.
Speak with a Licensed Kansas Medicare Agent Today
Don't guess when it comes to your healthcare and retirement savings. Get a personalized, free rate quote comparison tailored to your specific Kansas zip code.
Contact KansasMedigap.com today to speak with an experienced independent broker. We will help you compare Kansas Medigap Plan G vs. Plan N side-by-side so you can step into Medicare with confidence.
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