Plan M will use deductible sharing to lower your costs. With this plan you will be responsible for 50% of your part A and part B deductible. Your premiums will be approximately 15% lower than most companies charge for Plan F.
Plan N will also offer lower premiums, but will have co-payments involved for various services. With Plan N, you will pay a $20 co-pay for a doctor visit and a $50 co-pay for an emergency room visit. Plan N premiums are expected to be about 30% lower monthly premiums for a Medigap Plan F.