by Russell Noga | Updated October 3rd, 2024
There are currently 10 different Medigap plans included on the Medicare Supplement plans comparison chart for 2025.
The Medicare Supplement comparison chart for 2025 is shown below and is an easy way to compare Medicare Supplement plans and benefits.
The monthly premiums for each plan from different insurance companies are all entirely different, for the same coverage.
Medicare Supplement Insurance Plans for 2025- Which Are Best?
Despite there being 10 different Medicare Supplement plans listed on the comparison chart, in 2025 there still are only a few plans that are the most popular and that most Medicare beneficiaries enroll in.
The Top Medicare Supplement Plans for 2023 are:
- Medicare Plan G
- Medicare Plan N
- Medicare Plan F
- High-deductible Plan G
Compare Medicare Supplement Plans
This chart might seem a tad confusing at first, but it really is simple to understand. We provide a much more detailed breakdown of the top Medigap plans below the chart so you have a better idea of what each plan covers.
You’ll see 10 plans listed, however, there are really 12 available. This is because there is a high-deductible version of both Plan G and Medigap Plan F.
What is a Medigap Plan?
Medicare Supplement Insurance, also known as Medigap policies, is a type of insurance policy designed to supplement Original Medicare (Parts A and B). It covers many of the out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance. Medigap plans are offered by private insurance companies and are designed to work alongside Original Medicare.
The Gaps in Medicare
Original Medicare covers many medical expenses, but it does not cover everything. There are several gaps in coverage that can result in significant out-of-pocket costs for Medicare beneficiaries.
These gaps in coverage can add up quickly, especially for those with chronic health conditions or who need frequent medical care. Medicare Supplement insurance plans are designed to fill these gaps and provide comprehensive coverage for the out-of-pocket costs and healthcare coverage is not covered by Original Medicare.
Who is Eligible for a Medigap Plan?
To be eligible for a Medigap plan, you must be enrolled in both Parts A and B of Original Medicare and reside in the service area of the insurance company offering the plan. You must also be at least 65 years old or have a qualifying disability.
It is important to note that Medigap plans are not the same as Medicare Advantage plans. Medicare Advantage plans replace Original Medicare with a private health insurance plan, while Medigap plans supplement Original Medicare. If you are enrolled in a Medicare Advantage plan, you cannot enroll in a Medigap plan.
Medicare Part B Deductible
One of the standardized benefits is the gaps in coverage that Medigap plans can fill in the Medicare Part B deductible. The Part B deductible is the amount you pay before Medicare begins to cover doctor visits and other medical procedures.
For 2025 the annual Medicare Part B deductible is $257.
Of all the Medicare Supplement insurance plans offered the only plan that actually covers the Part B deductible is Plan F, though the premiums are much higher for this plan. In most cases a Medicare Plan G will actually save you money.
Medigap plans are offered by private insurance companies and are designed to work alongside Original Medicare. If you are enrolled in both Parts A and B of Original Medicare and are looking for comprehensive coverage for your out-of-pocket costs, a Medigap plan may be a good option for you.
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What is the Best Medicare Supplement Plan for 2023?
While there is no “best Medicare Supplement” for everyone, let’s start with the most popular Medicare supplement plans to help you understand what each plan covers. Then you can decide which plan fits your needs the best.
Medigap Plan F
Medicare Plan F is a type of insurance policy that supplements Original Medicare (Parts A and B). It is designed to cover many of the out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
This is also known as Medigap Plan F, and it was considered the best Medicare Supplement for years due to it providing 100% coverage of the gaps in Medicare. It was, and is, also the highest-priced plan.
What Does Medigap Plan F Cover?
Medicare Plan F covers a wide range of expenses not covered by Original Medicare. This includes the Part A deductible, which is the amount you pay before Medicare begins to cover hospital expenses. Plan F also covers the Part B deductible, which is the amount you pay before Medicare begins to cover doctor visits and other medical procedures.
In addition, Plan F covers copayments, coinsurance, and other out-of-pocket costs for hospital stays, medical procedures, and doctor visits.
You can consider Plan F the most comprehensive plan available, as it pays 100% of the gaps and expenses that Medicare does not pay. There are NO copays, No coinsurance, and No expenses other than your monthly premium for the plan.
Medicare Plan F Cost
The cost of Medigap Plan F varies depending on several different factors that can affect the premium. These include your age, gender, tobacco use, and any household discounts that might apply.
It is important to allow us to compare different insurance companies’ rates to find the best plan for your needs and budget.
It is also important to keep in mind that Medigap Plan F is not the same as Medicare Advantage. Medicare Advantage plans replace Original Medicare with a private health insurance plan, while Medigap plans supplement Original Medicare. Medicare Advantage plans typically have lower out-of-pocket costs, but they also have more restrictions on which doctors and hospitals you can use.
Medigap Plan F is a good option for those who want comprehensive coverage for the out-of-pocket costs not covered by Original Medicare.
Medicare Plan F Eligibility
*Only those who were enrolled in Medicare Part A prior to January 1st of 2020 may enroll in a Medigap Plan F.
Anyone still on Medicare Plan F should check the rates for Plan G using our website. This way you can see how much money you can save by switching to Plan G or Plan N.
Medicare Plan G
Medicare Plan G is the most popular Medigap plan in 2025 for people new to Medicare due to it offering the most comprehensive coverage. People new to Medicare after 2020 may no longer enroll in a Medigap Plan F, making Plan G the next best choice for many Medicare beneficiaries.
Many people now consider Plan G to be the best Medicare supplement in regards to the highest coverage for the lowest cost ratio.
Medigap Plan G Coverage
Medigap Plan G covers a wide range of expenses not covered by Original Medicare. This includes the Part A deductible, which is the amount you pay before Medicare begins to cover hospital expenses.
The main difference between Plan F and Medigap Plan G is that Plan G does not cover the Medicare Part B deductible. This is the amount you must pay before Medicare begins to cover doctor visits and other medical procedures.
In addition, Plan G covers copayments, coinsurance, and other out-of-pocket costs for hospital stays, medical procedures, and doctor visits.
One of the key benefits of Plan G is that it covers the Part B excess charges, which are charges above the Medicare-approved amount for certain medical services. This means that if you choose a doctor who charges more than the Medicare-approved amount, Plan G will cover the difference.
Cost of Medicare Plan G in 2025
The cost of Medigap Plan G in 2025 varies depending on the insurance company and your location. Factors that can affect the premium include your age, gender, and tobacco use. It is important to shop around and compare different insurance companies to find the best plan for your needs and budget.
It is also important to keep in mind that Medicare Supplement Plan G is not the same as Medicare Advantage. Medicare Advantage plans replace Original Medicare with a private health insurance plan, while Medigap plans supplement Original Medicare.
Medicare Advantage plans typically have lower out-of-pocket costs, but they also have more restrictions on which doctors and hospitals you can use.
Medigap Plan G is a good option in 2025 for those who want comprehensive coverage for the out-of-pocket costs not covered by Original Medicare.
Medigap Cost Comparison Chart
While the chart above covers the differences in the benefits offered within each Medigap plan letter, obviously it does not cover a cost comparison of Medigap plans.
Any chart showing a comparison of costs for Medigap plans will only be very vague examples, and the actual premiums that you’ll end up paying would likely be much different.
Medigap Plan premiums are determined by a number of factors including:
- Age
- Zip code
- Gender
- Tobacco use
- Any applicable household discounts
To view the cost of Medigap plans in your area, simply enter your zip code below to get accurate rates for Plan F, G, and N. Or call us today at 1-888-891-0229
Medicare Plan N
Medigap Plan N is a type of insurance policy that provides additional coverage for out-of-pocket expenses not covered by Original Medicare (Parts A and B). This policy, also known as Medigap Plan N, is lower in monthly premiums than Plan F or Plan G but still provides excellent coverage of the gaps in Original Medicare.
Medigap Plan N covers many of the same expenses as other Medigap plans, such as the Part A and Part B deductibles, copayments, and coinsurance. However, there are a few key differences between Plan N and other Medigap plans.
One of the main differences is that Plan N requires beneficiaries to pay a small copayment ($20) for doctor visits and a small copayment ($50) for emergency room visits. These copayments can help keep the cost of Plan N lower compared to other Medigap plans.
In addition, Plan N does not cover the Part B excess charges, which are charges above the Medicare-approved amount for certain medical services. If you choose a doctor who charges more than the Medicare-approved amount, you will be responsible for paying the difference.
With Plan N, you still pay the annual Medicare Part B deductible each year. Other expenses that could come up on Plan N are:
- Up to a $20 co-pay for doctor’s visits (Telehealth visits do not apply)
- A $50 co-pay for ER visits if not admitted (Does not count towards urgent care centers)
- Does not cover Part B excess charges (Extremely rare and typically very low cost)
Medicare Plan N vs Plan G
Medicare Supplement Plan N and Plan G are similar in many ways, but there are some key differences to consider. Both plans cover the Part A and Part B deductibles and other out-of-pocket costs, but Plan N requires copayments for doctor visits and emergency room visits.
In addition, Plan G covers the Part B excess charges, while Plan N does not. If you choose a doctor who charges more than the Medicare-approved amount, Plan G will cover the difference, while Plan N will not.
Cost of Medicare Supplement Plan N in 2025
The cost of Medicare Supplement Plan N in 2025 varies depending on the insurance company and your location. Factors that can affect the premium include your age, gender, and tobacco use. It is important to shop around and compare different insurance companies to find the best plan for your needs and budget.
Medicare Supplement Plan N is a good option in 2025 for those who are looking for comprehensive coverage for the out-of-pocket costs not covered by Original Medicare, but are willing to pay small copayments for doctor visits and emergency room visits.
Regardless of which plan looks best, we can help answer any questions you might have as well as shop the rates for plans in your area offered by the top insurance companies, to make sure you don’t overpay.
Our service is entirely free.
How Does Medicare Supplement Insurance Work?
To enroll in Medicare Supplement insurance, you must have Original Medicare Part A and B in place (or start the enrollment process).
Medicare is a government-run health insurance program that provides coverage for hospital stays (Part A) and doctor visits (Part B).
While Original Medicare covers many medical expenses, it does not cover everything. For example, Original Medicare does not cover the cost of prescription drugs, and it requires beneficiaries to pay a portion of the cost for hospital stays, medical procedures, and doctor visits.
How Does Medicare Supplement Insurance Work?
To enroll in Medicare Supplement insurance, you must have Original Medicare Part A and B in place (or start the enrollment process).
Medicare is a government-run health insurance program that provides coverage for hospital stays (Part A) and doctor visits (Part B).
While Original Medicare covers many medical expenses, it does not cover everything. For example, Original Medicare does not cover the cost of prescription drugs, and it requires beneficiaries to pay a portion of the cost for hospital stays, medical procedures, and doctor visits.
Why Choose a Medigap Plan?
Medicare Supplement plans are insurance policies offered by private insurance companies. They are designed to work alongside Original Medicare and fill the gaps in health insurance coverage being left by Original Medicare. There are several different Medicare Supplement insurance plans available, each with its own unique coverage options.
How does Medigap Plans Work?
When you enroll in a Medigap plan, you must also be enrolled in both Parts A and B of Original Medicare. The plan will then pay for many of the out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
For example, if you have a Medigap plan and you need to be hospitalized, your plan will pay for the Part A deductible, which is the amount you pay before Medicare begins to cover hospital expenses. Your plan will also cover copayments and coinsurance for your hospital stay, as well as other medical procedures and doctor visits.
What Does a Medicare Supplement Plan Cover?
The coverage offered by Medicare Supplement insurance varies depending on the plan you choose. However, all Medicare Supplement plans are required to cover certain basic benefits, such as the Part A deductible, the Part B deductible, and coinsurance for hospital stays and medical procedures.
In addition, some Medicare Supplement insurance plans to cover additional benefits, such as copayments for doctor visits, excess charges, and foreign travel emergency coverage. The specific coverage offered by each plan is outlined in the plan’s summary of benefits.
How do I Enroll in a Medigap Plan?
To enroll in a Medicare Supplement insurance plan, you must be enrolled in both Parts A and B of Original Medicare and reside in the service area of the insurance company offering the plan. You must also be at least 65 years old or have a qualifying disability.
It is important to note that Medicare Supplement plans are not the same as Medicare Advantage plans. Medicare Advantage plans replace Original Medicare with a private health insurance plan, while Medicare Supplement plans supplement Original Medicare. If you are enrolled in a Medicare Advantage plan, you cannot enroll in a Medicare Supplement plan.
How do I Choose the Right Medicare Supplement Plan?
Choosing the right Medicare Supplement plan can be a complex process, and it is important to take your time and consider all of your options. Factors to consider when choosing a plan include your needs, budget, and the specific coverage offered by each plan.
It is a good idea to speak with a licensed insurance agent who can help you compare plans and enroll in the right policy for you. An insurance agent can answer your questions and help you understand the specific coverage offered by each plan.
In conclusion, Medicare Supplement insurance is designed to work alongside Original Medicare and fill the gaps in coverage left by Original Medicare. These plans offer comprehensive coverage for the out-of-pocket costs not covered by Original Medicare and can help you save money on your
Medicare Supplement Rates in 2025
Medicare Supplement insurance rates are determined by a number of factors. In fact, without giving this information to an agent you cannot get an accurate quote.
This is because there are different “risks” within each of these factors. For example, the premiums for Males are more costly than for Females, rates in Florida are higher than in North Carolina, and tobacco users typically pay higher premiums.
Medicare Supplement rates are based on:
- Gender
- Age
- Tobacco use
- Zip Code
- Household discounts
How to Get Quotes and Enroll in 2025
Our licensed insurance agents can help answer any questions you might have about Medicare and Medigap insurance.
We’ll also show you the rates in your area from top companies and find the best plan to fit your needs.
Call today to get started.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.