Medicare Supplement Plans 2024 – The Top 5 Plans

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated November 6th, 2023

Medicare Supplement Plans in 2024 are available to those enrolled in Medicare Part A and B. These plans help pay the “gaps” of Part A and B, which are expenses that you’re required to pay. These plans are also called “Medigap”.

Medicare Supplement Plans in 2024 provide comprehensive coverage and the peace of mind of knowing most of your bills will be paid for you.

Why Choose Medigap?

Medicare supplement plans for 2024

         With Medicare Supplement plans in 2024:

  • There’s NO network (You may visit any doctor or specialist in the country that accepts Medicare)
  • You don’t need prior authorization for services (Unlike a Medicare Advantage plan!)
  • No Referrals are needed to see a specialist
Medicare supplemental plans

Popular Medicare Supplement Plans

Just as in 2023, there are currently ten different Medicare Supplement plans available in 2024 for people to choose from, with two additional high-deductible versions of plans.

Despite the number of plans available, many people often enroll in one of just a few different plans due to their great coverage and relatively low monthly premiums.

These are listed below, and you can always view the rates for each plan by entering your zip code on this website.

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5 Popular Medicare Supplement Plans in 2024:

  • 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 Comparison Chart 2024

Below you will see the Medicare Supplement Plans chart available in 2024, along with the benefits of each plan. There is also a high-deductible version of Plan F and Plan G.


Medicare Supplement Plans Chart 2024

What are 5 Popular Medicare Supplement Plans?

The Top 5 Medicare Supplement plans are:


  • Medicare Plan F
  • Medicare Plan G
  • Medicare Plan N
  • Medicare Plan C
  • Medicare High-deductible Plan G


These plans offer the most coverage for relatively low monthly premiums. Each plan is different so there is one to fit almost everyone’s needs.

By far, Medicare Supplement Plan G is now the most popular Medigap plan for people new to Medicare.


  Medicare Plan F

Arguably the most comprehensive plan, Plan F covers all costs not addressed by Original Medicare. This includes Part A and Part B deductibles, coinsurances, and excess charges, as well as foreign travel emergency expenses.

Pros: Offers the most extensive coverage, leaving you with minimal out-of-pocket expenses.

Cons: It’s generally the most expensive plan and is not available to those newly eligible for Medicare after January 1, 2020.


  Medicare Supplement Plan G

Plan G is similar to Plan F but does not cover the Medicare Part B deductible. However, it does cover Part B excess charges and foreign travel emergency costs.

Pros: Nearly as comprehensive as Plan F with typically lower premiums.

Cons: Does not cover the Part B deductible, which means some out-of-pocket costs.


  Medicare Supplement Plan N

Medicare Plan N offers substantial coverage but requires copayments for some office visits and emergency room trips. It doesn’t cover Part B excess charges or the Part B deductible.

Pros: Lower premiums than Plan F or G with broad coverage.

Cons: Copayments and non-coverage of Part B excess charges may lead to higher out-of-pocket costs.


  Medicare Plan C

Plan C covers almost all costs not addressed by Original Medicare, apart from Part B excess charges. It includes foreign travel emergency costs.

Pros: Comprehensive coverage with fewer out-of-pocket costs.

Cons: It does not cover Part B excess charges and is not available to those new to Medicare after January 1, 2020.


  Medicare High Deductible Plan G (HDG)

Medicare Supplement Plan G, often considered one of the most beneficial Medigap policies, offers a high-deductible version for those seeking comprehensive coverage combined with lower monthly premiums. The high-deductible Plan G provides the same robust benefits as standard Plan G but incorporates a yearly deductible, making it a cost-effective alternative for many.

High-Deductible Plan G covers costs like the Part A deductible, Part A and Part B coinsurance, Part B excess charges, and foreign travel emergency costs. The primary distinction between the standard Plan G and its high-deductible variant is the deductible amount you must pay out-of-pocket before the plan begins covering costs.

The lower premiums of this plan are due to the higher deductible you must meet before your coverage begins. In 2023 the deductible is $2,700, and will likely go up for 2024. This means you’ll pay for Medicare-covered costs up to this amount before your plan begins to pay.

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Medicare Supplement Plan G - 2024

More people new to Medicare in 2024 will enroll in Medicare Supplement Plan G than any other plan due to its comprehensive coverage of the gaps in Medicare Part A and B.

With Medigap Plan G, there is only one small deductible to pay. Once this is met Medicare and Medigap Plan G will pay all Medicare-approved expenses 100%.

Medicare Part B Deductible for 2024

Prior to Medicare Part B covering any expenses for you, there is an annual deductible you must pay first. In 2024, this deductible is $240.

Once this deductible is met, Medicare and Plan G will pay 100% of your Medicare-approved expenses.

Medicare part b deductible 2024

Medicare Plan G


The average cost of Medicare Supplement Plan G for 2024 is approximately $100 – $200 per month. One important thing to remember is that every company offers the same Medigap Plan G with the same benefits. They all charge different rates for the exact same thing, so it’s important to allow us to help shop all the top companies so you don’t overpay for your coverage.

Our service is entirely FREE.

Medicare Supplement Plan G rates are determined by:

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

Medicare Supplement Plan G in 2024 - Takeaways

  • One small deductible, then 100% coverage. No Co-pays
  • No Network – See any doctor in the US that accepts Medicare
  • Referrals are not needed to see a specialist
  • No coinsurance after the deductible is met

View Medicare Plan G rates now

Our website actually shows you real quotes!

Medicare Supplement Plan N - 2024

Medicare Supplement Plan N is also one of the top Medicare Supplement plans for 2024. It has lower premiums than Plan G, as well as lower annual rate increases.

Unlike Medigap Plan G, on Plan N there are a few extra out-of-pocket expenses that you might have to pay when using the coverage.

Plan N Medicare Coverage

Medicare Plan N is very similar to Plan G in that you still pay the annual Part B deductible prior to coverage beginning.

However, with Medicare Plan N once this deductible is paid you might have a small co-pay per doctor’s visit after that. The co-pay is never more than $20 per visit, and for telehealth there is no co-pay.

Medicare Plan N in 2024

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 Plan N vs Plan G - Which is Better?

For those who are new to Medicare, or who were enrolled in Medicare on or after January 1st of 2020, there are two Medicare Supplement plans in 2024 that will likely be the top two choices.

These are:

  • Medicare Plan G
  • Medicare Plan N

These plans have the highest coverage and benefits, with the lowest rates. Below are the pros and cons of each. Also, to make it easy you can always call us for help at 1-888-891-0229.


Medicare Plan G:



  • Great plan with high coverage
  • Pay just one small deductible, then 100% coverage
  • No coinsurance, and no copays for doctor’s visits



  • Plan G’s monthly premiums are higher than Medicare Plan N
  • Higher annual rate increases than Plan N



Medicare 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 an ER visit if not admitted to the hospital
  • Does not cover Part B excess charges (rare)

View Medicare Plan N Rates Now

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

Medicare Supplement Plan F - 2024

Medicare Supplement Plan F use to be the most popular plan for many years, and millions of people are still enrolled in this plan.

Medicare Plan F pays 100% of the gaps in Medicare including the annual Part B deductible.

Medicare no longer offers this plan to people new to Medicare on January 1st of 2020, or later.

People who were enrolled in Medicare Plan F prior to that date may keep the plan.

Medicare Plan F 2023

Medicare Supplement Plan F - Takeaways

  • 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 Plan F vs Plan G for 2024

Medicare Plan F vs G

Due to its much higher premiums and lack of availability, many people have switched from a Medicare Supplement Plan F and enrolled in Plan G to save money. Plan G is extremely close in coverage to Plan F, yet can cost substantially less.


Medicare Supplement Plan F

  • Higher premiums than Plan G
  • 100% coverage
  • Higher yearly rate increases
  • Only available to people enrolled in Medicare prior to January 1st of 2020


Medicare Supplement Plan G

  • Plan G has lower monthly premiums than Plan F
  • Just one small annual deductible ($240 in 2024) and then 100% coverage for the rest of the year


Our FREE online quote engine can show you the rates of Plan F, Plan G, and Plan N in your area to help you decide which is best for you.

Or call us today at 1-888-891-0229

High-deductible Medicare Plan G

Also available in 2024 is a high-deductible version of Medicare Plan G.

High-deductible Medicare Plan G is a great plan for those who are very healthy and don’t mind a deductible of $2800 in 2024. In reality, Medicare Part B still pays 80% of your bills on this plan, however, you will need to pay the additional 20% until you reach the $2800.

At that point, all of your bills are paid 100% for the rest of the year.

High-deductible Amount

The deductible amount for High-deductible Plan G in 2023 is $2700, and will likely go up in 2024. Check back to our website often for updates as Medicare typically releases these numbers sometime in the fall.

Medicare Plan G does not pay any of your bills until your medical bills reach this amount, however Medicare Part B does pay 80% after you pay the annual Part B deductible.

At that point, you’re required to continue to pay 80% of your medical bills until the high deductible is met.

High-deductible Medicare Plan G in 2024:

  • Has a much higher deductible to pay than standard Plan G ($2800 in 2024)
  • Still has No Network and can be used nationwide
  • Has considerably lower premiums than standard Plan G

View Medicare Supplement Rates

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Medicare Supplement Companies in 2024

As is the case every year, there are several different private insurance companies offering Medigap plans in 2024. Though this may appear to make it more confusing, this is actually a good thing as it allows us to help you find a company that offers the best rates in your area.


Below is a list of popular Medicare Supplement companies offering plans in 2024 (Availability varies by area): 

  Mutual of Omaha




Manhattan Life

Philadelphia American


Call us today at 1-888-891-0229 and we’ll compare rates in your area. We’re licensed in all 50 states.

Medicare Enrollment Period 2024

Anyone new to Medicare may enroll in a Medigap plan at the same time their Medicare Part B begins, and up to 3-6 months prior depending on the company.


The 6-Month Medigap Enrollment Period

There is a 6-month Medigap Open enrollment period which allows you to choose and enroll in any Medicare supplement 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.

If you wish to apply for a different Medicare Supplement plan you may do so at any time during the year. The Fall annual Medicare enrollment period does not apply to those wishing to change supplement plans, only their Medicare Part D prescription drug plan.


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 are always helping people change to save them money and getting them approved.

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

Which Medicare Supplement plan in 2024 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!