Medicare Supplement Plans 2025 – The Top 5 Plans

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated April 5th, 2024

In 2025, Medicare Supplement Plans were created to help individuals who are enrolled in both Medicare Part A and B to help pay “gaps”, which are expenses they’re required to pay. These plans serve as a financial buffer for covering the out-of-pocket costs, often referred to as “gaps,” that Part A and B may not fully cover.

These insurance plans are commonly known as “Medigap” and offer additional support beyond what original Medicare provides.

In 2025, Medicare Supplement Plans continue to offer extensive coverage, ensuring you have peace of mind knowing that the majority of your medical expenses will be taken care of.

 

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Medicare Supplement Plans 2025 - The Top 5 Plans Why Choose Medigap?Why Choose Medigap?

In 2025, Medicare Supplement plans still provide the flexibility of accessing any doctor or specialist nationwide who accepts Medicare, without being restricted by a network.

Additionally, there’s no requirement for prior authorization for services, distinguishing them from Medicare Advantage plans in 2025. Moreover, there’s no need for referrals to consult a specialist, offering straightforward access to specialized care.

 

Medicare Supplement Plans 2025 - The Top 5 Plans Popular Medicare Supplement PlansPopular Medicare Supplement Plans

Similarly to 2024, in 2025, there remain ten distinct Medicare Supplement plans accessible, along with two high-deductible variations. Despite the array of options, a significant portion of individuals tend to opt for a select few plans, drawn by their comprehensive coverage and affordable monthly premiums.

Outlined below are some of the popular choices, and you can easily check the rates for each plan by inputting your zip code on this platform.

 

Medicare Supplement Plans 2025 - The Top 5 Plans 5 Popular Medicare Supplement Plans in 2025 5 Best Medicare Supplement Plans in 2025

 

  1. Medicare Supplement Plan G
  2. Medicare Supplement Plan N
  3. High-deductible Supplement Plan G
  4. High-deductible Plan F*
  5. Medicare Plan C

 

*Note: Plan F is no longer accessible for individuals enrolled in Medicare on January 1st, 2020, or thereafter.

Here’s a simplified comparison chart showcasing the available Medicare Supplement Plans and their respective benefits for 2025:

 

Medicare Supplement Plans Comparison Chart 2025

 

PlanBenefits
Plan GComprehensive coverage with minimal out-of-pocket costs
Plan NLower premiums with some cost-sharing for certain services
High-deductible Plan GOffers lower premiums with a higher deductible
High-deductible Plan FHigher deductible with comprehensive coverage

 

Medicare supplement plans comparison chart Medisupps 2025

 

This comparison chart simplifies the available Medicare Supplement Plans along with their key benefits for individuals considering their options in 2025.

These plans are renowned for offering extensive coverage at affordable monthly premiums. Each plan varies in its benefits, ensuring there’s an option to suit nearly every individual’s needs.

Among these options, Medicare Supplement Plan G has quickly become the most favored Medigap plan among newcomers to Medicare.

Let’s delve into the key features of each plan:

 

🔹 Medicare Plan F

  • Known for its comprehensive coverage, Plan F addresses all expenses not covered by Original Medicare, including deductibles, coinsurances, excess charges, and even foreign travel emergency costs.
  • Pros: Offers unparalleled coverage, resulting in minimal out-of-pocket expenses.
  • Cons: Generally comes with higher premiums and is inaccessible to those newly eligible for Medicare after January 1, 2020.

 

🔹 Medicare Supplement Plan G

  • Plan G mirrors Plan F but excludes coverage for the Medicare Part B deductible. Nevertheless, it covers Part B excess charges and foreign travel emergency expenses.
  • Pros: Almost as comprehensive as Plan F, but often with lower premiums.
  • Cons: Does not cover the Part B deductible, leading to some out-of-pocket costs.

 

🔹 Medicare Supplement Plan N

  • While providing substantial coverage, Plan N necessitates copayments for certain office visits and emergency room trips. It does not cover Part B excess charges or the Part B deductible.
  • Pros: Lower premiums compared to Plan F or G, offering broad coverage.
  • Cons: Copayments and the exclusion of Part B excess charges may result in higher out-of-pocket costs.

 

🔹 Medicare Plan C

  • Plan C addresses almost all expenses not covered by Original Medicare, except for Part B excess charges. It also includes coverage for foreign travel emergencies.
  • Pros: Comprehensive coverage with fewer out-of-pocket costs.
  • Cons: Lacks coverage for Part B excess charges and is unavailable to new Medicare enrollees after January 1, 2020.

 

🔹 Medicare High Deductible Plan G (HDG)

  • This variant of Plan G offers comprehensive coverage with lower monthly premiums by incorporating a yearly deductible.
  • High-Deductible Plan G covers expenses like the Part A deductible, Part A and Part B coinsurance, Part B excess charges, and foreign travel emergency costs.
  • The deductible for 2025, likely to increase from $2,700, entails paying Medicare-covered costs up to this amount before the plan commences coverage.

 

Medicare Supplement Plan G – 2025

In 2025, a growing number of individuals entering Medicare will opt for Medicare Supplement Plan G over other options, primarily attracted by its thorough coverage of the gaps present in both Medicare Part A and B.

With Medigap Plan G, there’s just one modest deductible to fulfill. Once this deductible is satisfied, both Medicare and Medigap Plan G will cover all Medicare-approved expenses at a rate of 100%.

 

Medicare Part B Deductible for 2025Medicare Supplement Plans 2025 - The Top 5 Plans Medicare Part B Deductible for 2025

Before Medicare Part B begins covering your medical expenses, you’re required to pay an annual deductible. For the year 2024, this deductible stands at $240. Keep checking back for updates for the Medicare Part B deductible for 2025.

Once you’ve met this deductible, both Medicare and Plan G step in to cover 100% of your Medicare-approved expenses.

 

 

In 2025, the typical monthly expense for Medicare Supplement Plan G hovers between $100 to $200. It’s crucial to note that every insurer offers identical benefits under Medigap Plan G but sets varying rates for the same coverage.

Hence, allowing us to assist you in comparing rates from top companies ensures you avoid overpaying for your insurance.

Our service comes at no cost to you.

Several factors influence Medicare Supplement Plan G rates, including:

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

 

 

Medicare Supplement Plan G in 2025 – Takeaways

After meeting a single deductible, enjoy full coverage with no copays. You have the freedom to visit any doctor nationwide who accepts Medicare.

There’s no requirement for referrals to consult with a specialist, and once the deductible is fulfilled, there are no coinsurance payments.

 

Medicare Supplement Plan N – 2025

Medicare Supplement Plan N remains a leading choice among Medicare Supplement plans for 2025. Offering lower premiums compared to Plan G, it also comes with more modest annual rate hikes.

However, unlike Medigap Plan G, Plan N entails a few additional out-of-pocket expenses that you may encounter while utilizing the coverage.

 

Plan N Medicare Coverage

Medicare Plan N shares similarities with Plan G in that you’re responsible for the annual Part B deductible before coverage kicks in.

However, under Medicare Plan N, after meeting this deductible, you may encounter a small copay for each doctor’s visit thereafter. This copay never exceeds $20 per visit, and for telehealth services, there’s no copay required.

 

Medicare Supplement Plans 2025 - The Top 5 Plans Medicare Plan N in 2025Medicare Plan N in 2025

Once you fulfill the annual Part B deductible, Medicare covers 80% of your doctor’s bills, with Medigap Plan N stepping in to cover the remaining 20%. Following the deductible, you might encounter a small $20 copay for subsequent doctor’s visits, excluding telehealth consultations.

In the event of an emergency room visit without admission, a $50 copay is necessary. It’s essential to note that Medicare Part B excess charges aren’t covered under Plan N.

However, it’s worth mentioning that these charges are rare and not applicable in certain states such as CT, MN, OH, PA, RI, VT, MA, or NY.

 

Medicare Supplement Plans 2025 - The Top 5 Plans

 

Medicare Plan N vs Plan G – Which is Better?

If you’re new to Medicare or enrolled on or after January 1st, 2020, two Medicare Supplement plans stand out as top choices in 2025:

  1. Medicare Plan G
  2. Medicare Plan N

 

These plans offer extensive coverage and benefits at competitive rates. Choosing a plan depends on your needs and your budget.

You can check rates for each plan in your area by entering your zip code above.

Additionally, feel free to reach out to us at 1-888-891-0229 for assistance.

 

Medicare Supplement Plan F – 2025

For numerous years, Medicare Supplement Plan F held the title of being the most favored plan, boasting millions of enrollees.

Plan F covered 100% of the gaps in Medicare, encompassing the annual Part B deductible.

However, as of January 1st, 2020, Medicare ceased offering this plan to new Medicare enrollees.

Individuals who enrolled in Medicare Plan F before this date are permitted to retain their plan.

 

Medicare Supplement Plan F – Takeaways

Considered the highest premium Medicare Supplement plan, Plan F provides comprehensive coverage by filling in 100% of the gaps in both Medicare Part A and B.

To enroll in Plan F, you must have been already enrolled in Medicare before January 1st, 2020.

For those looking to save money, it’s advisable to explore alternatives such as Medicare Plan G.

 

Medicare Plan F vs Plan G for 2025

Many individuals have transitioned from Medicare Supplement Plan F to Plan G to manage costs more effectively, given the former’s higher premiums and limited availability.

Plan G offers comparable coverage to Plan F at a potentially lower cost.

 

Medicare Supplement Plans 2025 - The Top 5 Plans Medicare Supplement Plan FMedicare Supplement Plan F

  • Features higher premiums compared to Plan G.
  • Provides 100% coverage.
  • Typically experiences higher yearly rate increases.
  • Only accessible to individuals enrolled in Medicare before January 1st, 2020.

 

Medicare Supplement Plan G

  • Offers lower monthly premiums than Plan F.
  • Involves a single annual deductible (e.g., $240 in 2025) followed by 100% coverage for the remainder of the year.

 

Our FREE online quote engine enables you to view rates for Plan F, Plan G, and Plan N in your vicinity, facilitating informed decision-making. Alternatively, reach out to us today at 1-888-891-0229 for personalized assistance.

 

High-deductible Medicare Plan G

In 2025, another option to consider is the high-deductible version of Medicare Plan G, available since 2024.

High-deductible Medicare Plan G suits individuals in excellent health who are comfortable with a deductible of $2800 in 2024.

Essentially, Medicare Part B continues to cover 80% of your medical expenses under this plan, requiring you to cover the remaining 20% until you reach the $2800 threshold.

Once you’ve met the deductible, all your medical bills are covered 100% for the remainder of the year.

 

High-deductible Amount

In 2023, the deductible for High-deductible Plan G stands at $2700, with a probable increase anticipated for 2024. Keep an eye on our website for updates, as Medicare usually releases these figures in the fall.

Under Medicare Plan G, none of your medical expenses are covered until they reach this deductible amount. However, Medicare Part B steps in to cover 80% of your bills after you’ve paid the annual Part B deductible.

Following this, you’re responsible for covering 80% of your medical expenses until you meet the high deductible.

 

High-deductible Medicare Plan G in 2025

With a deductible substantially higher than that of standard Plan G (amounting to $2800 in 2024), the high-deductible version offers:

  • Nationwide usability without any network restrictions.
  • Significantly lower premiums compared to standard Plan G.

 

 

Medicare Supplement Companies in 2025

 

Medicare Supplement Plans 2025 - The Top 5 Plans Medicare Supplement Companies in 2025

 

Every year, multiple private insurance companies offer Medigap plans in 2025. Although this might seem overwhelming, it’s actually beneficial as it enables us to assist you in finding a company that provides the most competitive rates in your region.

Here’s a compilation of a few popular Medicare Supplement companies offering plans in 2025 (Availability may vary by area):

🔹 Mutual of Omaha

🔹 Aetna

🔹 Cigna

🔹 Allstate

🔹 Manhattan Life

🔹 Philadelphia American

 

 

Contact us today at 1-888-891-0229, and we’ll compare rates specific to your area. Rest assured, we’re licensed in all 50 states.

 

Medicare Enrollment Period 2025

New Medicare beneficiaries have the opportunity to enroll in a Medigap plan concurrently with the commencement of their Medicare Part B coverage, with some companies offering enrollment up to 3-6 months prior.

 

The 6-Month Medigap Enrollment Period:

During this period, spanning 6 months, individuals can select and enroll in any Medicare supplement plan without undergoing medical underwriting.

If you miss this window, you can still apply for a Medicare supplement plan, but you’ll be required to answer medical questions on the application.

If you desire to switch to a different Medicare Supplement plan, you have the flexibility to do so at any point during the year. It’s important to note that the Fall annual Medicare enrollment period doesn’t apply to individuals seeking to change supplement plans, only to their Medicare Part D prescription drug plan.

Medicare Supplement Plans 2025 - The Top 5 Plans The 6-Month Medigap Enrollment Period:

 

Changing Medicare Supplement Plans

Should you wish to switch Medigap plans or companies to reduce costs, you can apply at any time throughout the year. However, you’ll need to answer medical questions on the application and receive approval. We’re dedicated to assisting individuals in saving money and obtaining approval when switching plans.

Feel free to contact us today to determine which companies you qualify for and the potential savings by making a switch.

 

Which Medicare Supplement Plan in 2025 is the Best Plan for You?

Let us assist you in finding the perfect Medigap plan tailored to your requirements and addressing any queries you may have regarding Medicare supplements or Medicare Part D drug plans.

Our service comes at no cost to you, and you can easily access rates by providing your information on the right or by contacting us directly at 1-888-891-0229.

We’re eager to guide you through your Medicare coverage journey today!