Medicare Supplement Plans 2023 – The Best Plans

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated April 9th, 2023

Medicare Supplement Plans in 2023 are available to people on Medicare to help in paying most of the “gaps” in Medicare Parts A (hospital coverage) and B (Doctor services).

Medigap plans are designed to offer supplemental insurance to Original Medicare, and there are currently 10 different plans available. Having Medicare Supplement coverage can greatly reduce your bills for Medicare-covered medical expenses.

What are “Gaps”?

The gaps in Medicare are expenses that you are required to pay that either Medicare Part A or B does not.

These include items such as:

  • Deductibles
  • Co-pays
  • Coinsurance


Medicare Supplement Plans can pay most or all of these gaps for you and they are offered by several different private insurance companies.

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Medicare Supplement Plans Comparison Chart 2023

Below is a Medicare Supplement Chart to help you see each Medigap plan and what gaps they cover in Medicare Part A and Part B.

When trying to find the best Medicare Supplement plan you’ll first need to see which Medigap Plan has coverage that will meet your needs, and then use our FREE online quote engine to compare rates in your area.

Medicare Supplement plans comparison chart

MedMedicare Supplement Plans Cost

Medicare Supplement insurance rates are based on:

  • Age
  • Gender
  • Zip Code
  • Tobacco use
  • Household discounts


It’s important to realize that Medicare Supplement insurance is standardized by the federal government. That means all the Medicare Supplement plans offered by the top insurance companies must each include the exact same benefits.

However, each Medicare Supplement insurance company charges entirely different rates for the same Medicare Supplement plans. For example, one very popular Medicare Supplement plan is Medicare Plan G. This Medicare Supplement covers 100% of the gaps in Original Medicare, including any Part A Medicare deductibles, but it does not cover the Medicare Part B deductible.

Each insurance company offers the same Medicare Plan G, but one may offer it for a rate of $120 per month, and yet another company may offer the plan for $150 or more per month.

That’s why it’s important to allow us to help you in finding the best Medicare Supplement plan to fit your needs, for the lowest rates.

Medigap Plans 2023 - Comparing Medicare Supplement Insurance

Most people who are new to Medicare, or changing Medicare supplement plans in 2023 to save money, will likely enroll in one of the three plans below.

The most popular plan by far in 2023 will be Medicare Plan G, however, Plan N is a very close second due to its lower premiums and great coverage.

Read below to quickly learn about the differences in the plans, and which one is right for you!

Medicare supplemental plans

What is the Best Medicare Supplement Plans for 2023?

When it comes to choosing the best Medigap plan, you’ll need to consider coverage amounts to fit your needs, as well as your budget.

While there are 10 different Medicare Supplement insurance plans available, many people choose to enroll in just one of a few plans.

The best Medicare Supplement plans in 2023 for most people are:


  • Medicare Supplement Plan G
  • Medicare Supplement Plan N
  • High-deductible Supplement Plan G
  • Medicare Supplement Plan F*
  • High-deductible Plan F*

*Plan F is no longer available to anyone enrolled in Medicare on January 1st of 2020 or later

The Best Medicare Supplement Plan for people enrolled in Medicare before 2020?

If you were enrolled in Original Medicare prior to January 1st of 2020, then you are eligible for what many consider to be one of the best Medicare supplement plans of all time: Medicare Plan F

Medigap Plan F pays 100% of the gaps between Original Medicare Part A and B. All of your Medicare-covered services are paid for with Plan F.

With Medicare Plan F, there are:

  • No Deductibles
  • No copayments
  • No coinsurance

As you might imagine, the best Medicare supplement plan comes with the highest monthly premium. Medicare Plan F was removed from the lineup up of Medicare Supplement plans in 2020, becoming unavailable to anyone new enrolling in Original Medicare. It simply became too expensive.

The Best Medicare Supplement Plan for people New to Original Medicare

For those who are new to Medicare or anyone who enrolled after January 1st of 2020, there are still great options available for Medigap insurance. In fact, in most cases, you will likely even save money by not enrolling in Medicare Plan F, but instead enrolling in Plan G or even Medicare Plan N.

Medicare Plan G has lower monthly premiums than Plan F, and is very close in coverage. While Original Medicare pays 80% of your bills, you must pay a deductible prior to this happening. Medicare Plan F pays this deductible for you, while with Plan G you must pay the deductible yourself.

Medicare Supplement Plan G - 2023

Medicare Plan G will be the most popular Medicare Supplement plan for 2023. This is due to its fantastic coverage of the gaps in Part A and B Medicare.

In fact, with Medicare plan G, you’ll have to pay only one expense. That is the annual Medicare Part B deductible.

For new Medicare enrollees, Plan G is definitely one of the most popular Medicare Supplement plans due to its outstanding coverage and relatively low monthly premiums.

Medicare Supplement Plan G in 2023 - Key points

  • Has No Network – You may visit any doctor or specialist in the United States, provided they accept Medicare
  • No referrals are needed for a specialist
  • No Co-pays
  • No coinsurance to pay
  • 100% coverage after you pay the annual Part B deductible

Medicare Plan G

Medicare Part B Deductible for 2023


Prior to Medicare Part B paying any of your doctor’s bills, you’ll need to pay the deductible once per year. This deductible is $226 for 2023 and usually raises slightly each year. This year it came down a little which is great.

After you pay this amount in medical bills, Medicare Part B kicks in and pays 80% of the rest of any Medicare-approved expenses. Medicare Plan G would then come in and spend the rest, up to no limit for the rest of that calendar year.

If you are new to Medicare, Plan G is the most comprehensive Medicare Supplement insurance plan available.

Medicare part b deductible 2024

Medicare Supplement Plan G Costs

Medicare Supplement plans in 2023 all have a monthly premium you must pay to have the plan. Medicare Plan G’s premiums are less than Plan F (which offers 100% coverage), and higher than Medicare Plan N.

Because it has a higher monthly premium than Medicare Plan N, it offers more coverage. Medicare Supplement Plan G rates are determined by:

  • Age
  • Zip code
  • Gender
  • Tobacco use
  • Household discounts (if applicable)

Using our website you can view Medicare Plan G costs in your area. It’s free and easy.

View Medicare Supplement Plan G rates now

Our website actually shows you real quotes!

Medicare Supplement Plan N - 2023

Medicare Plan N is quickly gaining in popularity because its premiums are lower than Plan G, yet the coverage is still outstanding.

The premiums are lower due to a few extra out-of-pocket expenses that you may have to pay on Plan N.

What is Medicare Supplement Plan N?

If you have a Medicare Plan N policy, you pay the annual Part B deductible each year just as you do on Plan G.

The difference with Plan N is, once this deductible is met you may have to pay a small co-pay for each doctor’s visit if you return to the doctor throughout the year. This co-payment is low and never more than $20 per visit, however, telehealth visits do not apply to this.

Medicare Plan N is a popular choice for those considering a Medicare Advantage plan, as with Plan N you have no network.

Medicare Plan Supplement N in 2023

Medicare Plan N


  • After you meet the annual Part B deductible, Medicare pays 80% of your doctor’s bills
  • Then Medigap Plan N pays the additional 20%
  • A small co-pay of $20 may be required once that deductible is met. Telehealth visits do not apply.
  • If you visit the emergency room and you are not admitted, a $50 co-pay will be required
  • Medicare Part B excess charges are not covered on Plan N (These are rare, and not even applicable to CT, MN, OH, PA, RI, VT, MA, or NY)
Medicare Plan N vs G

Medicare Supplement Plan N vs Plan G

If you are new to Medicare, or you enrolled on or after January 1st of 2020, the two Medicare Supplement plans in 2023 that you’ll be choosing from will likely be Medicare Plan G or Plan N.

These plans have the most coverage for the lowest premiums. Below are the pros and cons of each to help you decide. You can always call us for help at 1-888-891-0229.


Medicare Supplement Plan G:



  • Highest coverage plan for people new to Medicare
  • Only one small deductible to pay, then 100% coverage
  • No copays or coinsurance to pay



  • Higher premiums than Medicare Plan N
  • Higher annual rate increases



Medicare Supplement Plan N:



  • Very good coverage plan with lower rates than Plan G
  • Only one small deductible to pay, then up to $20 copay per doctor’s visit
  • Typically very low annual rate increases



  • Co-pays per doctor’s visit
  • $50 copay for ER visit if not admitted
  • Does not cover Part B excess charges (rare)

View Medicare Supplement Plan N Rates Now

Compare Plan N and Plan G Rates side-by-side

Medicare Supplement Plan F for 2023

Medicare Supplement Plan F was the most popular Medigap plan for years and still has the most enrollees of all the plans, however, not everyone may enroll in this plan now.

Medicare Plan F became very expensive due to it covering 100% of the gaps in Medicare Part A and B. With Plan F there are no copays, no deductibles, and no coinsurance to pay. You simply pay your monthly premium and get no medical bills for any Medicare-approved expenses.

Because it became so expensive, Medicare no longer allowed people to enroll in the plan if they were eligible for Medicare on January 1st of 2020, or later.

Anyone enrolled in Medicare prior to that date may still enroll in a Medicare Plan F, and anyone who had the plan prior to that date may keep their plan.

Medicare Plan F 2023

Medicare Supplement Plan F

  • The highest premium Medicare Supplement plan
  • Covers 100% of the gaps in Medicare Part A and B
  • You must have been enrolled in Medicare prior to January 1st, 2020 to enroll in Plan F
  • Consider Medicare Plan G to save money

Medicare Supplement Plan F vs Plan G for 2023

Medicare Plan F vs G

Because of the higher premiums of Medicare Supplement Plan F, many people have looked to Medicare Plan G to save money. This is because Plan G not only has much lower premiums than Medicare Plan F, but it’s almost the same coverage.


Medicare Plan F

  • Higher premium
  • 100% coverage
  • Higher yearly rate increases


Medicare Plan G

  • Lower premiums than Plan F
  • One small annual deductible to pay ($226 in 2023) then 100% coverage


Be sure to use our FREE online quote engine to see how much you can save by switching to Plan G.

High-deductible Medicare Supplement Plan G

There are two different Medicare Plan G’s offered in 2023. One is the standard Plan G mentioned above, and another is called a High-deductible Plan G.

Standard Plan G is much more widely used, with just one deductible to pay and then 100% coverage.

High-deductible Plan G is just like this, except there is a much higher deductible to pay.

High-deductible Amount

The deductible amount in 2023 is $2700. Medicare Plan G does not pay any of your bills until your medical bills reach this amount.

Medicare Part B begins to pay 80% of your bills once you meet the annual Part B deductible, however. This means you’re required to pay the remaining 20% of all doctor’s bills on Plan G until you meet the higher deductible amount. After that you will get 100% of your medical bills paid for the rest of the calendar year.

High-deductible Medicare Plan G in 2023:

  • Has a much higher deductible to pay than standard Plan G
  • Still has No Network and can be used nationwide
  • Has considerably lower premiums than standard Plan G

View Medicare Supplement Plan Rates

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Medicare Supplement Plan Enrollment

If you are new to Medicare, you may enroll in a Medicare Supplement plan at any time during the year. Most people do not wait that long because there is only a 6-month window to enroll in a Medigap plan without having to medically qualify.

This period is called the 6-month Medigap enrollment period and begins the same day Medicare Part B goes into effect. From that date, you have six months to enroll in a Medigap plan with no medical questions asked.

If you miss this period, you may still apply for a Medicare supplement plan, however, you will have to answer the medical questions on the application.


Medigap open enrollment



Can I change my Medicare Supplement plan anytime during the year?

If you currently have a Medigap plan and would like to change plans or companies to save money, then you may apply at any time during the year. You will need to answer medical questions on the application and get approved, however, we help people change daily to save them money.

Call us today to see which companies you qualify for and how much money you can save by switching.

Frequently Asked Questions

What are Medicare Supplement plans?

Medicare Supplement plans, also known as Medigap policies, are insurance plans designed to help cover the gaps in Original Medicare (Part A and Part B) coverage. These plans are offered by private insurance companies and can help pay for out-of-pocket costs such as copayments, coinsurance, and deductibles, providing additional financial security and peace of mind for beneficiaries.

How do I choose the right Medicare Supplement plan for my needs?

When selecting a Medicare Supplement plan, consider factors such as your healthcare needs, budget, and preferred healthcare providers. Compare the different plans available in your area, focusing on the benefits and coverage levels they offer. It’s essential to research and understands the pricing structure, including premiums, deductibles, and out-of-pocket limits, to make an informed decision.



Can anyone enroll in a Medicare Supplement plan?

To be eligible for a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B. Typically, the best time to enroll is during the six-month Medigap Open Enrollment Period, which begins on the first day of the month you turn 65 and are enrolled in Medicare Part B. During this period, you have a guaranteed issue right, which means insurers cannot deny you coverage or charge you more due to pre-existing conditions.



Are prescription drug costs covered by Medicare Supplement plans?

A: Medicare Supplement plans do not cover prescription drug costs. To get prescription drug coverage, you’ll need to enroll in a separate Medicare Part D plan. It’s important to compare Part D plans based on the medications you take, as the coverage and costs can vary significantly between different plans.


Can I have both a Medicare Advantage plan and a Medicare Supplement plan?

No, you cannot have both a Medicare Advantage plan and a Medicare Supplement plan simultaneously. Medicare Advantage plans, also known as Medicare Part C, are an alternative to Original Medicare and often include additional benefits. If you decide to enroll in a Medicare Advantage plan, you’ll need to discontinue your Medicare Supplement plan.

Which Medicare Supplement plan in 2023 is best for you?

We can help you determine which Medigap plan will fit your needs the best, and answer any questions you might have on Medicare supplement or Medicare Part D drug plans.

Our service is entirely FREE, and you can view rates only simply by entering your information to the right, or you can call us directly today at 1-888-891-0229.

We look forward to helping you with your Medicare coverage today!