Medicare Supplement Plans Comparison Chart 2023

Compare affordable Medicare Plans

There are currently 12 different Medigap plans included on the Medicare Supplement plans comparison chart for 2023.

You can view the chart below, and you’ll notice that none of the plans are changing and there are no new plans added for 2023. This is a good thing as there are currently far too many plans offered, and many plans are completely underused.

 

The top Medicare Supplement Plans for 2023 are:

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

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Medicare Supplement Plans Comparison Chart

This chart might seem a tad confusing at first, but it really is simple once you realize what you’re looking at.

You’ll see 10 plans listed, however, there are really 12 available. This is because there is a high-deductible version of both Plan G and Plan F. 

Medicare supplement plans chart

Medicare Supplement Rates

Medicare Supplement rates are determined by a number of factors. In fact, without giving this information to an agent you cannot get an accurate quote.

This is because there are different “risks” within each of these factors. For example, the premiums for Males are most costly than for Females, rates in Florida are higher than in North Carolina, and tobacco users typically pay higher premiums.

 

Medicare Supplement rates are based on

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

Medicare Supplement Plans 2023

The Top 5 Medicare Supplement Plans in 2023:

  • Medicare Supplement Plan G
  • Medicare Supplement Plan N
  • Medicare Plan F
  • High-Deductible Plan G
  • Medicare Supplement Plan D

 

*Only those who were enrolled in Medicare Part A prior to January 1st of 2020 may enroll in a Medigap Plan F.

Anyone still on Medicare Plan F should check the rates for Plan G using our website. This way you can see how much money you can save by switching to Plan G or Plan N. 

Medigap plans

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Medicare Supplement Plan F

For  years, Medicare Plan F was the most popular plan due to it providing 100% coverage of the gaps in Medicare. As of January 1st of 2020, no one new to Medicare is allowed to enroll in a Plan F.

Anyone who was already in enrolled in Plan F prior to that date is allowed to keep the plan, however even before Plan F was eliminated to new beneficiaries, Medicare Plan G was a far better option financially for everyone.

Medicare Plan F 2023

What is the Best Medicare Supplement Plan F?

There is no “best” plan F because Medicare supplement plans are standardized by the government. This means they set the rules, and every single insurance carrier offers identical plan letters and coverage.

This means that a Mututal of Omaha Medicare supplement Plan F is identical to an Aetna Plan F. The premiums, however, can be dramatically different!

Medicare Supplement Plan F Rates

To view Medicare supplement Plan F rates online just click the orange button to the right. You will see quotes instantly displayed for Plan G, F, and N from the top carriers.

Plan F is 100% coverage. But when you compare Plan F to Medicare Plan G, the premiums for Plan G are far less. You’ll find that Medicare Supplement Plan F rates are typically far more expensive than Plan G.

And there’s only one difference in coverage as you can see on the chart by the big white square under the Plan G column.

With Plan G, you’re required to pay the annual Medicare Part B deductible yourself. 

Plan G comparison chart

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Medicare Plan G

Medicare Supplement Plan G

Plan G is now the most popular Medicare supplement plan for anyone new to Medicare. It offers 100% coverage of all the gaps in Medicare aside from the annual Medicare Part B deductible.

This simply means that you must pay the annual deductible amount first each year prior to Medicare Part B (Doctor’s services) paying 80% of your medical bills. In 2022 this deductible amount was $233. 

Once you meet that deductible with Plan G, Medicare will pay 80% of your medical bills and Plan G will pay the remainder. Up to no limit!

The Best Medicare Supplement Plan G

Often we get asked “What is the best Medicare supplement plan G?” Well, the answer is always the same, because Plan G is always the same no matter which company you enroll with.

Medigap plans are standardized which means they are identical benefits within each plan letter no matter which company offers the plan.

This makes making a Medicare supplement Plans comparison very important, as well as a rate comparison. There is no need to pay more than you should for any Medigap plan, and we can help!

Medicare Supplement Plan N

Medicare Plan N is quickly becoming a favorite plan among those on Medicare, as it has lower premiums than both Plan F and G but still has great coverage. In exchange for lower premiums, you might have some extra out-of-pocket expenses to pay on Plan N when you use your coverage.

 

With Plan N, you still pay the annual Medicare Part B deductible each year. Other expenses that could come up on Plan N are:

  • Up to a $20 co-pay for doctor’s visits (Telehealth visits do not apply)
  • A $50 co-pay for ER visits if not admitted (Does not count towards urgent care centers)
  • Does not cover Part B excess charges (Extremely rare and typically very low cost)
Medicare Plan N

How to Get Quotes and Enroll for 2023

To get quotes on any of these just simply give us a call. You can reach us at 1-888-891-0229.

We’ll show you the rates in your area from top companies and find the best plan to fit your needs.

Or click the button below to get started.