Original Medicare (Part A & B) + Medigap Plan N (+ Part D)
Identical network freedom and Medicare coverage rules as Plan G at a $35–$65/month lower premium, in exchange for modest up-to-$20 office visit copays. Because Parkinson's patients have frequent neurology and PT/OT/Speech visits, families should weigh the premium savings against 16+ therapy visit copays.
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Eligibility & Enrollment Windows for Parkinson's Patients
Same eligibility as Medigap Plan G; existing Plan G policyholders in California can switch down to Plan N without medical underwriting during their annual 60-day California Medigap Birthday Rule window.
How Original Medicare + Medigap Plan N Performs Across the Parkinson's Care Pathway
Same nationwide Original Medicare provider access as Plan G (UCSF, Stanford, Sutter, UCLA) with no referrals.
Covers the $1,648 Part A inpatient deductible and 20% Part B coinsurance for DBS surgery at Medicare-participating academic centers.
Same Medicare KX modifier therapy coverage as Plan G, though evaluation/office-coded visits can carry up to a $20 copay.
Covers the 20% Part B coinsurance for DaTscan (CPT 78803 + A9584) after the $257 annual Part B deductible.
Same standalone Part D options and $2,100 annual out-of-pocket cap as Plan G.
Covers skilled nursing facility coinsurance (days 21–100) and intermittent skilled home health; does not cover custodial home care.
- ✓Preserves full Original Medicare access to UCSF and Stanford movement-disorder centers at a lower monthly premium than Plan G.
- ✓California's Medigap Birthday Rule allows Plan G holders to downgrade to Plan N any year within 60 days of their birthday without health questions.
- !Up to $20 copays on frequent neurology and specialist office visits.
- !Does not cover Part B excess charges (up to 15% above the Medicare rate), though 98%+ of Bay Area academic neurologists accept Medicare assignment.
Compare Other California Parkinson's Coverage Types
Source: CMS 2026 Medigap Benefit Chart & CA Insurance Code § 10192.11 (CA Birthday Rule, Oct 2026)