The changes to medicare/medigap plans have arrived and are now approved in most states. There are some very exciting changes. Several plans have been eliminated such as E, H, I, and J. Plan M and Plan N have been added. Plan N has been getting a lot of attention. It has some features that make it very affordable. It allows you to go to any doctor or hospital that accepts medicare without any need for referrals. The main feature not seen before in medigap plans or Medicare supplement plans is the addition of copays. You will pay up up $20 for an office visit, and $50 if you receive treatment in an emergency room. It will be waived if you are admitted to the hospital. The insured is also responsible for paying the part B deductible for the year of $155. The rates are coming in at 25-30% less then the popular plan F. With this type of savings we feel plan N will end up being one of the two most popular plans along with plan F. For more information about medicare supplement plans, medigap plans, medicare supplement, medigap quotes, or medicare advantage plans, please visit our website at Medigap4Seniors, or call us at 1-888-502-5553.