The timing of this video is remarkable. The plan N and G-HD are what I am considering here In Florida. Turning 65 in December, I am in an IEP2 situation due to disability. About an hour ago I signed up for an appointment on your website. Looking forward to speaking with one of your reps.
Plan N is ok if you want to roll the dice with Part B excess charges. We keep hearing that they are rare, but Plan doesn't cover them AT ALL so there is no maximum out-of-pocket on those charges. With G-HD the most you can ever pay in the worst case is the deductible, which I believe is $2870 for 2025.
Another super informative video from Stephanie! 👍 My wife & I transitioned to Medicare this year (2024) and Stephanie's team hooked us up, with the best Medigap plan for us, in Southwest Florida. **Plan N** No regrets at all! 🎊
I talked to them this week. Prices quoted were higher than other agencies, so I may not end up with them. I'm meeting a local guy next week so we'll see what the bottom line is, but he was saying that Plan N could be had for about $85.
@@gregkloe looks like Abbie from my office spoke to you this week and quoted you the lowest Plan N in your area, which is $87/month, or lower depending upon your household 😊
@@gregkloe Same price, no matter who helps you. It's based on your specific zip code and varies between medigap companies. In SW Florida, our costs are much higher than your zip code. Stephanie's team offers superior customer service, always there to assist you and a thorough analysis of these companies.
The HD is a no-brainer in NY. I believe they're raising the Plan G to $365. The HD is $70. The maximum out of pocket for the HD is $2,800 ($14,000 medical expenses). $2,800 is less than $365 - $70 x 12 months. Oops - I see you covered that at 5:30.
As others have said about copays, my concern about excess charges is that they will become much more common in the future, especially as the govt. tries to bring about more "savings" by reducing payments to health care providers.
I have also noticed that the G-HD deductible inceases $200.00 a year. The understanding was the inflation factor. So I decided against it because I would never meet it anyway. One other thought, people that have a substantial HSA and going to Medicare, the G-HD could every a good option.
That's my exact situation!!! That's why when it's my time to enroll in Medicare I'm all in HDG. I too have future concerns about rate increases and excess charge's becoming more the Norm.
Hi WhiteRose, It sounds to me like you contradict yourself? If you are NOT going to meet the high deductible, that is SUPER-DUPER, GREAT NEWS in so many ways. You aren't sick and you are saving hundreds of dollars in premiums. BUT if you DO need a lot of care you are capped at the years deductible amount + annual premium. Likely this will not be a permanent constant AND that is what insurance is for, preventing bankruptcy due to high medical cost. Put your premium savings in your own WhiteRose Health Savings Account and use that savings account when you are sick or injured. 👍
@@lyndayoung8761 but do you have to be admitted to a hospital before it pays 100%? I'd rather just meet my $240 on Part B and be done with it just having G plan. To each his own. I won't be saving hundreds dollars either. I guess it depends on your insurer and region. Lastly, I'm already retired on SS.... You can't have an HSA to put money in. You can take it out but you can't put it in.
Thanks Stephanie for this video. One concern I have about going with Plan N is Medicare keeps changing what needs a co-pay, this year Tele-medicine, Urgent care, what will be next. Things keep changing on how people can get help. There is no crystal ball so we have no idea about 5 years down the road. Are you licenced in Oregon? I will not be turning 65 for another 9 months, but am trying to get as much information as I can.
As far as a high medical bill, most people forget that they cannot get on a payment plan with the hospital or doctor and mayonnaise need to pay $100 a month until the bill is paid off. It's not as if you need to come up with $ 2,800 in one month for most hospitals.
I had a visit with someone to help us choose. These plans were never mentioned! Can you change plans on Medicare Original? Your video's are so helpful!
I got Plan N in New York, but I got it late, three years after getting regular Medicare Parts A and B. My plan N with AARP/UnitedHealthCare costs me $193.50/month this year; next year, the same plan goes up to $233.75. That seems a bit much to me! What's AARP up to? Would it make any sense to switch to the cheapest alternative every year, or stay with a strong company like UHC and hope future increases aren't so much?
Great questions! Medicare Advantage Plans (which are the managed care plans) are NOT medically underwritten, so anyone on Medicare can choose to enroll in an Advantage Plan either when they are new to Medicare, or every fall during the Annual Enrollment Period. Medicare Supplement Plans are medically underwritten in most states when you are more than 6 months past your Part B effective date. I hope this helps!
If you pass your open enrollment. For Medicare when you turn 65, then most companies can do underwriting to insure you. If you apply and enroll within 6 months of turning 65 and being on Medicare usually you can get a supplement without underwriting
I went with Plan L and it's very fine so far - however may consider a Plan G HD in the future or N.? Plan L picks up 75% of the 20% with a maximum out of pocket per year...
@@youngtimer964 yes it's an option i prefer this original type medicare insurance over Advantage plans as it's great to have insurance when traveling in the Nation...
Can you answer a general question for me? I live in Minneapolis, Minnesota. I plan to retire and start Medicare around October 1, 2025. I plan to move to Austin, Texas, a month or two later. Where do I sign up for a supplement from? Minnesota and then it gets transferred to Texas somehow? Or do I look at Texas plans since that's where the bulk of my retirement will be? I have not seen moving addressed in any videos and was wondering how this works. Thanks!
I also live in Austin! If you want coverage to start 10/1 you'll need to enroll in a MN plan if that's where you currently live. In ATX plan rates may be lower, and if you are within 6 months from your Part B start date then you can switch you plan, no questions asked, as soon as you move to TX!
I think you touched on it early on, and another broker did too - HD-G does NOT include the Part-A deductable? That's over $1600 per instance. That could be a big whallop. Still, If you have a good backup cash account it could work. We all think back at our lives and many of us think "Hmm, I've been fairly healthy over all, I should go with the cheapest option(and this likely drive a lot of folks towards Advantage Plans)" But starting right about age 65 especially, that's when major events start cropping up. As long as we continue to "stay healthy", G-HD sounds great! LOL. I dunno, being well covered under Medicare seems sooo expensive any way you look at it, Thailand or Malaysia have world class medical - even medical tourism - at a fraction of the cost, along with many other costs (rent/ultilities, etc.)...
@@LV922 Ah, thank you! It strikes me as odd that with the G-HD, with "high deductable" being in it's name, you cannot continue contributing to an HSA once you start Medicare. I am pre-Medicare age but under my former employers' "retiree" plan, which is the same thing as the regular employee plan from all I can tell, and that's a high deductable plan. That would really make the G-HD nice!!!
Thank you Stefanie for the great videos. I've read some horror stories about Mutual of Omaha rate increases. Have you found that historically they raise their rates faster than say UHC?
What happens if you live in New York have a Plan G, then decided to move to North Carolina. Do you have to still pay the New York rates? Excellent video.
@@AbtInsuranceAgency so gap plans are portable as you move but remain in the original underwriting (state or locale) for premium and insurance company participation purposes ?
@@AbtInsuranceAgency Thats ridiculous, can someone postpone getting medicare in that case, thats a significant ball and chain to drag around with NY rates
I have a question. Does Medicare automatically submit the hospital bill to my medical supplement insurance company when I get hospitalized? I need to know, please.
In most cases YES. However there are some very rare situations in which Part A (hospital claims) don’t have an automatic crossover with certain Medigap insurance companies. In this case the hospital would need to submit the bill to Medicare and then the remainder separately to your Medigap company. Again this is rare and generally only happens with smaller Medigap insurance companies that don’t “crossover “ on Part A claims.
I wonder if HD-G would make sense in an area where you had trouble finding a primary provider who takes Medicare. The idea would be to pay cash for primary services and only use Medicare for specialist and hospital care.
@@AbtInsuranceAgency Understood. I was thinking cash payments to a PCP would only be a $200-$300 per year anyway, so a small percentage of the deductible.
With G-HD plan, If I am accepted into a hospital, is the $1846 part A deductible included in the $2800 annual deductible? If yes, If I am accepted into a hospital for a 2nd time in one year, should I pay the deductible $1846 again even if I have already satisfied the $2800 annual deductible before I am accepted into the hospital for the 2nd time?
So you have Plan N. They're prepping you for major surgery and they have to call in an anesthesiologist. What are you going to do, say to the surgeon "hey doc, can you wait while I check if the anesthesiologist has excess charges?". LOL
I see Dr in Montgomery County north of Houston. I would like plan. N.I am in very good health and only see a Dr. maybe 2 times a year. I am 80 years old. Most of the year I live in Mexico
Does Plan G-HD include plan B deductible or on top of it? in other words total OOP for G-HD is $2,800 vs $240 + 12 times monthly premium for regular G?
I can afford G, but my GHD ($40 in October) includes the incentive to stay healthy to avoid medical costs, incompetent medical staff, and disease-infested hospitals and office examination rooms. I worked for a healthcare hospital complex for 22 years. Trust me - do everything you can to avoid the medical industry. Plan G has zero incentive.
Yep..I dread the day I ever fall into the "system". BUT...if and when I do, I don't want to have to worry about what's covered and what's not. But "they" could always decide to phase out plan G (or any other plan...like they are doing with plan F). "They" can make all the changes in the world, but we can't. At least as it stands now in the majority of states.
Is it possible to change brokers if we are not happy with the broker we are with, or are we committed for life with a particular broker? Are brokers paid a commission every year that we are on the plan they set us up with or are they paid a one time commission when we first sign up for Medicare?
@@-myal-8691 it depends on what type of Medicare Plan you have. But in general, in order to change brokers you usually need to enroll in a new Medicare plan (through the new broker).
TODAY, excess charges are rare...BUT, what about in the future? Im concerned that at some point doctors may decide they arent making enough money off seniors and change their mind about excess charges.
I'm not worried. The additional admin costs verses the additional money will likely prevent most doctor offices from messing with it. If you are that concerned, go with High G.
@@marieasbul9585 You are also likely paying more in premiums for F than a G policy's premium + the B deductible for a 79 yo. Other than a small annual deductible, plan F and G have the same benefits. The savings even after paying the B deductible (that takes about 3 office visits to expend) is hundreds of dollars. Worth checking out if you can switch because of where you live or your very good health status, to be underwritten. If you cannot change at least you are happy and can afford what you have. That's a good thing.
I made the decision between G, N and G HD earlier this year with your agency. I was a little tempted by G HD thinking that I'm fairly healthy and would have low utilization. Surprise, surprise ended up in the emergency department in July and had surgery last week. Very happy I went with Plan N. Slightly higher consistent predictable monthly expenses for premiums is better than large surprise deductible expenses. The copays have been small and very manageable during my medical adventure so far --one $50 emergency room copay and two doctor copays of $15.33 and $18.33 to date, plus the unescapable $240 Medicare yearly deductible.
I went with plan N and am very happy with it. My Dr. Is now doing the MDVIP thing and I am not going to pay $2100 a year to keep seeing him! So I'll be looking elsewhere. This is in Austin.
I have hdG in Florida, I'm saving a $140 per month versus plan G. Even if I meet the deductible every 2 years on hdG it's a break even proposition. I have been to the hospital once in the last 40+ years, hopefully the trend continues. I don't foresee any major changes based on family history. That being said my wife has had cancer twice. She is on the plan G
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The timing of this video is remarkable. The plan N and G-HD are what I am considering here In
Florida. Turning 65 in December, I am in an IEP2 situation due to disability. About an hour ago I signed up for an appointment on your website. Looking forward to speaking with one of your reps.
How cool to hear! We are so delighted to be assisting you!
Plan N is ok if you want to roll the dice with Part B excess charges. We keep hearing that they are rare, but Plan doesn't cover them AT ALL so there is no maximum out-of-pocket on those charges. With G-HD the most you can ever pay in the worst case is the deductible, which I believe is $2870 for 2025.
Another super informative video from Stephanie! 👍 My wife & I transitioned to Medicare this year (2024) and Stephanie's team hooked us up, with the best Medigap plan for us, in Southwest Florida. **Plan N** No regrets at all! 🎊
@@barrydraper thanks Barry!!
I talked to them this week. Prices quoted were higher than other agencies, so I may not end up with them. I'm meeting a local guy next week so we'll see what the bottom line is, but he was saying that Plan N could be had for about $85.
@@gregkloe looks like Abbie from my office spoke to you this week and quoted you the lowest Plan N in your area, which is $87/month, or lower depending upon your household 😊
@@gregkloe Same price, no matter who helps you. It's based on your specific zip code and varies between medigap companies. In SW Florida, our costs are much higher than your zip code. Stephanie's team offers superior customer service, always there to assist you and a thorough analysis of these companies.
@@barrydraperah, I did not know that. Lot’s to learn in the next few months as I head to retirement and Medicare. Thanks!
The HD is a no-brainer in NY. I believe they're raising the Plan G to $365. The HD is $70. The maximum out of pocket for the HD is $2,800 ($14,000 medical expenses). $2,800 is less than $365 - $70 x 12 months. Oops - I see you covered that at 5:30.
As others have said about copays, my concern about excess charges is that they will become much more common in the future, especially as the govt. tries to bring about more "savings" by reducing payments to health care providers.
My concern too, which is what makes me skeptical about plan N
Same here. The agents seem to think excess charges are a thing of the past. Do they have a crystal ball?
Thx again for all the info and great explanation!
You are welcome!
I have also noticed that the G-HD deductible inceases $200.00 a year. The understanding was the inflation factor. So I decided against it because I would never meet it anyway. One other thought, people that have a substantial HSA and going to Medicare, the G-HD could every a good option.
That's my exact situation!!! That's why when it's my time to enroll in Medicare I'm all in HDG. I too have future concerns about rate increases and excess charge's becoming more the Norm.
❤@@Retiredmco
Hi WhiteRose, It sounds to me like you contradict yourself? If you are NOT going to meet the high deductible, that is SUPER-DUPER, GREAT NEWS in so many ways. You aren't sick and you are saving hundreds of dollars in premiums. BUT if you DO need a lot of care you are capped at the years deductible amount + annual premium. Likely this will not be a permanent constant AND that is what insurance is for, preventing bankruptcy due to high medical cost. Put your premium savings in your own WhiteRose Health Savings Account and use that savings account when you are sick or injured. 👍
@@lyndayoung8761 but do you have to be admitted to a hospital before it pays 100%? I'd rather just meet my $240 on Part B and be done with it just having G plan. To each his own. I won't be saving hundreds dollars either. I guess it depends on your insurer and region. Lastly, I'm already retired on SS.... You can't have an HSA to put money in. You can take it out but you can't put it in.
Thanks Stephanie for this video.
One concern I have about going with Plan N is Medicare keeps changing what needs a co-pay, this year Tele-medicine, Urgent care, what will be next. Things keep changing on how people can get help.
There is no crystal ball so we have no idea about 5 years down the road.
Are you licenced in Oregon?
I will not be turning 65 for another 9 months, but am trying to get as much information as I can.
@@glennthorstensen5119 yes, we are licensed in Oregon!
As far as a high medical bill, most people forget that they cannot get on a payment plan with the hospital or doctor and mayonnaise need to pay $100 a month until the bill is paid off. It's not as if you need to come up with $ 2,800 in one month for most hospitals.
I had a visit with someone to help us choose. These plans were never mentioned! Can you change plans on Medicare Original? Your video's are so helpful!
Yes! Call us! 888-465-9728 😁
Thank you. Great video ❤
I got Plan N in New York, but I got it late, three years after getting regular Medicare Parts A and B. My plan N with AARP/UnitedHealthCare costs me $193.50/month this year; next year, the same plan goes up to $233.75. That seems a bit much to me! What's AARP up to? Would it make any sense to switch to the cheapest alternative every year, or stay with a strong company like UHC and hope future increases aren't so much?
Thank you very much , do you support CA ?
Yes!
Hi. Thank you for all your content. edit: What triggers an underwriting event?
Great questions! Medicare Advantage Plans (which are the managed care plans) are NOT medically underwritten, so anyone on Medicare can choose to enroll in an Advantage Plan either when they are new to Medicare, or every fall during the Annual Enrollment Period. Medicare Supplement Plans are medically underwritten in most states when you are more than 6 months past your Part B effective date. I hope this helps!
If you pass your open enrollment. For Medicare when you turn 65, then most companies can do underwriting to insure you. If you apply and enroll within 6 months of turning 65 and being on Medicare usually you can get a supplement without underwriting
Thank you.
I went with Plan L and it's very fine so far - however may consider a Plan G HD in the future or N.? Plan L picks up 75% of the 20% with a maximum out of pocket per year...
Sounds like a great option but I have found that L is not offered in many areas.
@@youngtimer964 yes it's an option i prefer this original type medicare insurance over Advantage plans as it's great to have insurance when traveling in the Nation...
As always - very simply explained & informative. Thanks for continuing to provide new updates and comparisons.
So nice of you to say!
Can you answer a general question for me?
I live in Minneapolis, Minnesota.
I plan to retire and start Medicare around October 1, 2025.
I plan to move to Austin, Texas, a month or two later.
Where do I sign up for a supplement from?
Minnesota and then it gets transferred to Texas somehow?
Or do I look at Texas plans since that's where the bulk of my retirement will be?
I have not seen moving addressed in any videos and was wondering how this works.
Thanks!
I also live in Austin! If you want coverage to start 10/1 you'll need to enroll in a MN plan if that's where you currently live. In ATX plan rates may be lower, and if you are within 6 months from your Part B start date then you can switch you plan, no questions asked, as soon as you move to TX!
I love your video.Thank you !!!!!
I think you touched on it early on, and another broker did too - HD-G does NOT include the Part-A deductable? That's over $1600 per instance. That could be a big whallop. Still, If you have a good backup cash account it could work. We all think back at our lives and many of us think "Hmm, I've been fairly healthy over all, I should go with the cheapest option(and this likely drive a lot of folks towards Advantage Plans)" But starting right about age 65 especially, that's when major events start cropping up. As long as we continue to "stay healthy", G-HD sounds great! LOL. I dunno, being well covered under Medicare seems sooo expensive any way you look at it, Thailand or Malaysia have world class medical - even medical tourism - at a fraction of the cost, along with many other costs (rent/ultilities, etc.)...
The G HD deductible DOES include the part A deductible . In fact that is the quickest way to fulfill the G HD deductible.
@@LV922 Ah, thank you! It strikes me as odd that with the G-HD, with "high deductable" being in it's name, you cannot continue contributing to an HSA once you start Medicare. I am pre-Medicare age but under my former employers' "retiree" plan, which is the same thing as the regular employee plan from all I can tell, and that's a high deductable plan. That would really make the G-HD nice!!!
This is correct!
Thank you Stefanie for the great videos. I've read some horror stories about Mutual of Omaha rate increases. Have you found that historically they raise their rates faster than say UHC?
What happens if you live in New York have a Plan G, then decided to move to North Carolina. Do you have to still pay the New York rates? Excellent video.
@@marcryan5399 in most cases, yes you would.
@@AbtInsuranceAgency so gap plans are portable as you move but remain in the original underwriting (state or locale) for premium and insurance company participation purposes ?
@@AbtInsuranceAgency Thats ridiculous, can someone postpone getting medicare in that case, thats a significant ball and chain to drag around with NY rates
Do you also help shop for a drug plan?
I have a question. Does Medicare automatically submit the hospital bill to my medical supplement insurance company when I get hospitalized?
I need to know, please.
In most cases YES. However there are some very rare situations in which Part A (hospital claims) don’t have an automatic crossover with certain Medigap insurance companies. In this case the hospital would need to submit the bill to Medicare and then the remainder separately to your Medigap company. Again this is rare and generally only happens with smaller Medigap insurance companies that don’t “crossover “ on Part A claims.
Best thing I did when retiring was signing up for Plan G
I wonder if HD-G would make sense in an area where you had trouble finding a primary provider who takes Medicare. The idea would be to pay cash for primary services and only use Medicare for specialist and hospital care.
In that case, any cash you were paying wouldn’t count toward your deductible. Only Medicare covered services would count toward the deductible.
@@AbtInsuranceAgency Understood. I was thinking cash payments to a PCP would only be a $200-$300 per year anyway, so a small percentage of the deductible.
That sounds unusual. I have found that virtually all pcp’s in my area participate in Medicare.
What about Medicare plan E good or bad?
With G-HD plan, If I am accepted into a hospital, is the $1846 part A deductible included in the $2800 annual deductible? If yes, If I am accepted into a hospital for a 2nd time in one year, should I pay the deductible $1846 again even if I have already satisfied the $2800 annual deductible before I am accepted into the hospital for the 2nd time?
So you have Plan N. They're prepping you for major surgery and they have to call in an anesthesiologist. What are you going to do, say to the surgeon "hey doc, can you wait while I check if the anesthesiologist has excess charges?". LOL
I see Dr in Montgomery County north of Houston. I would like plan. N.I am in very good health and only see a Dr. maybe 2 times a year. I am 80 years old. Most of the year I live in Mexico
Would you be able to start with a GHD and switch to G later in life without underwriter?
It depends on where you live, but typically, no.
Does Plan G-HD include plan B deductible or on top of it? in other words total OOP for G-HD is $2,800 vs $240 + 12 times monthly premium for regular G?
if i have afib, will i br likely to be denied by medcap?
How about doing a plan G vs N in Georgia video....
I can afford G, but my GHD ($40 in October) includes the incentive to stay healthy to avoid medical costs, incompetent medical staff, and disease-infested hospitals and office examination rooms.
I worked for a healthcare hospital complex for 22 years.
Trust me - do everything you can to avoid the medical industry.
Plan G has zero incentive.
😮 I’m never leaving Plan G if I can help it . OMG 😳
Yep..I dread the day I ever fall into the "system". BUT...if and when I do, I don't want to have to worry about what's covered and what's not. But "they" could always decide to phase out plan G (or any other plan...like they are doing with plan F). "They" can make all the changes in the world, but we can't. At least as it stands now in the majority of states.
Can you put on the screen this numbers ,it’s confusing ?
Is it possible to change brokers if we are not happy with the broker we are with, or are we committed for life with a particular broker? Are brokers paid a commission every year that we are on the plan they set us up with or are they paid a one time commission when we first sign up for Medicare?
@@-myal-8691 it depends on what type of Medicare Plan you have. But in general, in order to change brokers you usually need to enroll in a new Medicare plan (through the new broker).
The whole thing is a scam on seniors....unless you live in a birthday rule state.
I’m Hungary for more.😊
I'm not of age yet, but for me it's down to those two plans.
@@ChrisSadowski-pp1np hope you found this helpful!
Can I switch between N and G freely on open enrollment?
@@naruhodo251 in most state, no.
looking for a G or N plan .turning 65 on election day 11/5/2024.
Call us! We’d love the chance to help you. 888-465-9728.
TODAY, excess charges are rare...BUT, what about in the future? Im concerned that at some point doctors may decide they arent making enough money off seniors and change their mind about excess charges.
I'm not worried. The additional admin costs verses the additional money will likely prevent most doctor offices from messing with it. If you are that concerned, go with High G.
Do the monthly premiums count toward the Plan G HD deductible?
No, they do not. Good question!
@@AbtInsuranceAgency I suspected not, but it would have made the decision even easier!
I am on plan f have been on it 14 years so that i dont need to pay out of pocket no one talks about it . why?
It’s no longer available people new to Medicare - so it’s talked about much less these days!
@@marieasbul9585 You are also likely paying more in premiums for F than a G policy's premium + the B deductible for a 79 yo. Other than a small annual deductible, plan F and G have the same benefits. The savings even after paying the B deductible (that takes about 3 office visits to expend) is hundreds of dollars. Worth checking out if you can switch because of where you live or your very good health status, to be underwritten.
If you cannot change at least you are happy and can afford what you have. That's a good thing.
So pretty
"Retirement isn’t an end goal, but a journey best secured by careful and consistent investments."
Well said! Retirement is the reward of disciplined investing over the long term, not just a destination.
Well said! My adviser guided me through retirement planning, ensuring my investments were strategically positioned for long-term rewards.
That's a great point! Finding a reliable financial adviser would be essential for me to ensure my retirement plans are well-structured.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
High deductible plan N
No such thing
Anyone with Plan N/ Or Plan G High Deductible? Have you been satisfied? I'd love to hear your thoughts!
I made the decision between G, N and G HD earlier this year with your agency. I was a little tempted by G HD thinking that I'm fairly healthy and would have low utilization. Surprise, surprise ended up in the emergency department in July and had surgery last week. Very happy I went with Plan N. Slightly higher consistent predictable monthly expenses for premiums is better than large surprise deductible expenses. The copays have been small and very manageable during my medical adventure so far --one $50 emergency room copay and two doctor copays of $15.33 and $18.33 to date, plus the unescapable $240 Medicare yearly deductible.
@@clintonwoodward thanks for this great feedback!
I went with plan N and am very happy with it. My Dr. Is now doing the MDVIP thing and I am not going to pay $2100 a year to keep seeing him! So I'll be looking elsewhere. This is in Austin.
I have hdG in Florida, I'm saving a $140 per month versus plan G. Even if I meet the deductible every 2 years on hdG it's a break even proposition. I have been to the hospital once in the last 40+ years, hopefully the trend continues. I don't foresee any major changes based on family history.
That being said my wife has had cancer twice. She is on the plan G
We have plan N. Checked both very carefully and decided on N vs HDG. Very little difference between the two here in suburban Atlanta.