Medicare Supplement Plans 2023

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

What are “Gaps”?

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

  • Deductibles
  • Co-pays
  • Coinsurance

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Medicare supplement rates
Medicare supplemental plans

The Top 5 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 Plans for 2023

While the coverage and plan letters for Medicare supplement plans in 2023 are not changing, more and more people are using our website to easily check the rates and changing companies to save a great deal of money.

This is because each company offers the exact same coverage and plans, but their premiums are all entirely different.

In fact, if you’ve recently gotten a rate increase on your Medicare supplement plan there is almost always a better option with another company to save you money.

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Medigap Plans 2023 - The Best Plans

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 it’s lower premiums and great coverage.

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

Medicare 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 Plan G



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 currently $233 for 2022 and usually rises slightly each year.

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 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 needed for a specialist
  • No Co-pays
  • No coinsurance to pay
  • 100% coverage after you pay the annual Part B deductible

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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 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 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)

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

High-deductible Medicare Plan G - 2023

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.
The deductible amount in 2022 is $2490. 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

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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