--- title: How to Present Plan N to Your Medicare Clients description: How to present Plan N to your clients clearly and quickly. 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Excess charges are hard to explain, and who wants copays anyways? Well, clients who want to save an average of 28% on their monthly premiums – that's who! Here's a quick guide to help you present Plan N to your clients clearly and quickly.   ## Plan N vs F vs G In [our latest Plan F update article](https://blog.newhorizonsmktg.com/plan-f-agent-guide7894), we talked about how Plan N will likely soon be the Med Supp of choice. We already know Plan F is well on its way out with its aging population and massive claims experience. Plan G has been the favorite, but as we all expected, the premiums are getting more expensive due to open enrollment business post-MACRA.   Benefits of Plan N (for Everyone) Plan N has been in a nice, cozy spot for a long time – it has low premiums, minimal rate increases, and the small copays are just enough to keep plan utilization down. Plus, carriers are offering higher commissions and Plan N-only cash incentives. Basically, Plan N is great for the insurance carriers, the agents, and the consumers.  The rub is it's harder to present to clients than Plan G. But we're going to change that! ## Plan N Fact Sheet The [Plan N Fact Sheet](https://lp.newhorizonsmktg.com/plan-n-fact-sheet) makes it easy to explain the pros and cons of Plan N to clients. Let's take a look at what's included. ![plan n sheet-min](https://blog.newhorizonsmktg.com/hs-fs/hubfs/plan%20n%20sheet-min.png?width=500&height=501&name=plan%20n%20sheet-min.png) ### Plan Comparison Chart First, we have a chart showing Plan N and Plan G, side-by-side. ![plan n fact sheet page 1](https://blog.newhorizonsmktg.com/hs-fs/hubfs/plan%20n%20fact%20sheet%20page%201.jpg?width=612&height=791&name=plan%20n%20fact%20sheet%20page%201.jpg) You can run through the benefits that come with each plan, highlighting the two differences that come with Plan N: 1. Copays for Part B services 2. Part B excess charges Then, the fact sheet goes on to break down what those two differences really mean. ### Explanation of Copays and Excess Charges ![p2 fact sheet](https://blog.newhorizonsmktg.com/hs-fs/hubfs/p2%20fact%20sheet.jpg?width=612&height=791&name=p2%20fact%20sheet.jpg) We explain what a copay is and how much you can expect to pay for health care provider visits and ER visits. You may point out to your client that the $20 and $50 copay amounts are limits – their copays may end up being less! And excess charges, albeit rare, are notoriously hard to explain. We broke it down and provided an example so your client can understand it. ### Perks of Plan N And we saved the best for last – the perks of Plan N! In exchange for dealing with copays and potential excess charges, your client will save an average of 28% on their monthly premiums, compared to Plan G. Plus, Plan N historically has fewer and lower rate increases than other supplements. ## Conclusion Ready to start presenting Plan N to your clients? Make it easy with the Plan N Fact Sheet. [![Plan N Fact Sheet for Medicare Supplement Agents](https://no-cache.hubspot.com/cta/default/4910070/interactive-216904867182.png)](https://blog.newhorizonsmktg.com/hs/cta/wi/redirect?encryptedPayload=AVxigLL4W0iCkgyuu%2BJy%2FvltQ36CXdcmrDRUmep5fxUFn4nqjThe1agKnWYgsW0pn6GRLd4kLqlKNrTDbgVZSK1dBq5XuA3dFHNLQp%2FHXboaZP3TGStJXCitlVw1OyH75%2FSEYDFo7g3XX3iD1IW5AzV90LWvzOJfVCLZCcu2qefWR3Hwa4d5ghnpdJbfdg%2BH2%2Be7zlY6%2FQ%3D%3D&webInteractiveContentId=216904867182&portalId=4910070) Let us know how it goes in the comments! Related: [Browse Our Medicare Supplement Carriers](https://www.newhorizonsmktg.com/products/medicare-supplements) [Sales Tips](https://blog.newhorizonsmktg.com/tag/sales-tips), [Medicare Supplements](https://blog.newhorizonsmktg.com/tag/medicare-supplements) ## Comments ## Read On ### [Plan F or G? How to Decide Which Med Supp Plan to Sell](https://blog.newhorizonsmktg.com/plan-f-or-g-how-to-decide-which-med-supp-plan-to-sell4687) There aren't many differences between Medicare Supplement Plan F & Plan G. This probably isn’t news... [![How to Sell Medigap Plan N: Is Plan N Worth the Risk?](https://blog.newhorizonsmktg.com/hubfs/NH-How-to-Sell-Medigap-Plan-N-Is-Plan-N-Worth-the-Risk.webp)](https://blog.newhorizonsmktg.com/how-to-sell-medigap-plan-n-is-plan-n-worth-the-risk4687) ### [How to Sell Medigap Plan N: Is Plan N Worth the Risk?](https://blog.newhorizonsmktg.com/how-to-sell-medigap-plan-n-is-plan-n-worth-the-risk4687) Originally published March 6, 2018. Updated May 30, 2024. Plan N is often a hot topic among... ### [Easily transition from Plan F to G with CSI Life](https://blog.newhorizonsmktg.com/easily-transition-from-plan-f-to-g-with-csi-life4687) With all of the Medicare Supplement Plan G business coming in the door, CSI Life offers a great... This website is for agent use only. Not for public use or distribution. ![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg) New Horizons Insurance Marketing 122 W. 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