What about N?
N is a good plan with you paying a percentage of costs beyond the premium, which is why the premium is less than the more comprehensive Plan G, or the cheaper Plan G Hi Deduct which means you cover the first $2450 annually and then the plan kicks in. It’s all math, so look at your “utilization”, project what you need to do in visits, procedures annually and then decide the likelihood of unexpected surprises and decide how much you want to insure for an accident, versus paying less premium and picking up the percentage or deductible if you have some new utilization. Plan G is now the largest new pool since they closed F... ymmv...