Medicare Supplemental Insurance 2023

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Medicare Supplemental Insurance in 2023 is available to anyone with Medicare and helps pay most of the “gaps”, or expenses, of Medicare Parts A (hospital coverage) and B (Doctor services).

The Gaps of Original Medicare

The gaps in Medicare are costs that you are responsible for paying.
These costs include:

  • Deductibles
  • Co-pays
  • Coinsurance
Medicare supplemental plans

Popular Medicare Supplement Insurance Plans in 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

The benefits of Medicare supplemental insurance in 2023 are not changing, but each company offers the same coverage and charges different rates for the same thing.

This means it’s very easy to end up overpaying. To see if you’re paying too much for your coverage just enter your zip code below and you can compare rates online for 2023.

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What is the best supplemental insurance for Medicare?

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 Plan G Benefits

Medicare Plan G


Medicare Supplement Plan G is the most popular plan for people new to Medicare in 2023. This is because it covers almost all the gaps in Medicare Part A and B.

With Plan G the only expense you have to pay is the annual Medicare Part B deductible.

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

  • 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 Plan N

Medicare Supplement Plan N

Medicare Plan N is another great plan that has lower premiums than Plan G, but still has great coverage.

In fact, many people are switching from Plan G to Plan N because of the savings.

What is Medicare Plan N?

On Medicare Plan N you pay the annual Part B deductible once per year just like on Plan G.

After that is met there are a few out-of-pocket expenses that you might have to pay.

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

While most people enroll in a standard Plan G as mentioned above, there is also a high-deductible version of this plan.

With both plans, you still need to meet the annual Medicare Part B deductible each year.

However, on high-deductible Plan G once this deductible is met you will need to keep paying the 20% of medical bills that Medicare does not pay until you reach an amount of $2490 (deductible amount in 2022, it should be close to this in 2023).

The benefit of a high-deductible Plan G is that the premiums are often less than half of what standard Plan G costs. Many people do not like the higher deductible, but for people who rarely visit their doctor, this is a good plan.

High-deductible Medicare Plan G - Key points

  • 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 Supplemental Insurance plan 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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