Medicare Supplement Plans 2023 – The Best Plans

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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.

What are “Gaps”?

Gaps in Medicare are expenses that you are required to pay.
These include items such as:

  • Deductibles
  • Co-pays
  • Coinsurance

Medicare Supplement Plans can pay most or all of these gaps for you.

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Medicare supplement rates

Medigap Plans 2023

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

5 Popular Medicare Supplement Plans for 2023 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

Medicare Supplement Plan G - 2023

Medicare Plan G will most certainly 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.

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.

Medicare part b

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 on 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 tele-health visits do not apply to this.

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



Changing Medicare Supplement Plans

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.

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!

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