🩺💰 Medicare Plan G vs Plan N in Queens (2025 Guide): Costs, Coverage, and Benefits
Choosing between Medicare Supplement Plan G and Plan N is one of the most common — and financially important — decisions for seniors in Queens County, New York.
Although the two plans may look similar at first glance, differences in monthly premiums, copays, excess charges, and overall cost predictability can lead to hundreds of dollars in annual savings depending on health needs and usage patterns.
- 1️⃣ 2025 Medicare Part A & B Costs (Confirmed Numbers)
- 2️⃣ Key Differences Between Plan G and Plan N
- 3️⃣ Estimated Premium Ranges in Queens (2025)
- 4️⃣ Real-Life Cost Examples for Queens Seniors
- 5️⃣ What’s Changing in 2026 (Based on Official Medicare Handbook)
- 6️⃣ Tax Planning & IRMAA Strategies
- 📎 External & Internal Links
1️⃣ 2025 Medicare Part A & B Costs (Confirmed Numbers)
Before comparing Plan G and Plan N, it’s essential to understand the baseline costs of Original Medicare. These are official and fully confirmed for 2025.
• Part B Standard Premium: $185/month
• Part B Annual Deductible: $257
• Part A Inpatient Deductible: $1,632 each benefit period
• Part A Coinsurance: Applies starting day 61 of hospitalization
⚠ 2026 premium and deductible amounts are not yet released
(as stated in Medicare & You 2026).
2️⃣ Key Differences Between Plan G and Plan N
✔ Covers nearly all Medicare-approved costs after the Part B deductible
✔ Covers Part B Excess Charges
✔ No copays for office or ER visits
✔ Higher monthly premiums compared to Plan N
✔ Lower monthly premiums
✔ Requires small copays: up to $20 for office visits, $50 for ER
✔ Does NOT cover Part B Excess Charges
✔ Excellent option for healthier seniors with fewer doctor visits
3️⃣ Estimated Premium Ranges in Queens (2025)
New York has community-rating characteristics, which reduce age-based premium differences — good for many Queens residents.
• Plan G: $200–$260/month
• Plan N: $160–$230/month
👉 Plan N typically offers $30–$60 monthly savings compared to Plan G.
4️⃣ Real-Life Cost Examples for Queens Seniors
These scenarios illustrate how total yearly costs can differ depending on medical usage.
Plan G Annual Cost:
• Premium: $230 × 12 = $2,760
• Part B Deductible: $257
Total: ~$3,017
Plan N Annual Cost:
• Premium: $180 × 12 = $2,160
• Copays: 5 visits × $20 = $100
• Part B Deductible: $257
Total: ~$2,517
👉 Plan N saves approximately $500/year for low-utilization seniors.
Assumptions: 15 doctor visits + 1 ER visit
Plan G Total: ~$3,017
Plan N Total: Premium $2,160 + copays ($300 + $50) + deductible $257
= ~$2,767
👉 In high-usage years, Plan G offers more predictable out-of-pocket costs.
5️⃣ What’s Changing in 2026 (Based on Medicare & You 2026)
While 2026 dollar amounts are not released, the Medicare & You 2026 official handbook includes several important policy updates.
• Part D annual out-of-pocket cap: $2,100
• Insulin cost protections continue
• Broader Advanced Primary Care Management programs
• Expanded eligibility for CT colonography screening
⚠ No 2026 premium or deductible amounts were included in the official handbook.
6️⃣ Tax Planning & IRMAA Strategies
If itemizing deductions on Schedule A, Medicare premiums (including Medigap) count toward deductible medical expenses once they exceed 7.5% of AGI.
HSA can pay for Part B, Part D, and Medicare Advantage premiums — but not Medigap policies.
Higher income years from Roth conversions, asset sales, or severance can push seniors into IRMAA brackets, increasing Medicare premiums for a full year.
Consider spreading income across years to avoid unnecessary IRMAA surcharges.
핑백: Replace a Social Security Card Online in 2025