I'm looking at the plan benefit tables that UHC/AARP sent out. There are exactly two differences:
- Medicare Part B excess charges.
- Medicare Part B copayments.
Item 1: gives the doctor the ability to charge you as much as 15% more than the standard Medicare rate. From what I understand, the large majority of doctors don't charge more than the standard Medicare rate anyway, so this might not impact you.
Item 2: means you pay $20 per office visit or $50 for the ER (unless you're admitted to the hospital, then there's no $50 payment required).
That's it. Those are the only differences. Everything else is identical between plan N and plan G, as documented by UHC.
If the premium savings between N and G is something like $250 per year, as it is for a 65yo in NC, then you'd need to go the doctor 12 times to break even, presuming your doctor isn't one of the few that don't accept standard Medicare rates.