When it comes to covering the “gaps” in Original Medicare, Medicare Supplement Insurance (also called Medigap) can offer peace of mind and reduce your out-of-pocket healthcare costs. But with so many options, how do you choose the right one?
In this post, we’ll compare the top Medigap plans available in 2025 and explain how to evaluate your options.
What Does a Medicare Supplement Plan Cover?
Original Medicare only pays about 80% of your Part A and B medical costs. A Medigap plan helps cover:
- Coinsurance
- Copayments
- Deductibles
- Foreign travel emergency care
- Excess charges from non-participating providers
Medigap policies are standardized across most states, meaning Plan G from one insurer will offer the same coverage as Plan G from another—but premiums and customer service can vary.
Top 5 Medicare Supplement Plans for 2025
- Plan G
- Comprehensive coverage
- Popular for new enrollees
- Only out-of-pocket cost is the Part B deductible
- Comprehensive coverage
- Plan N
- Lower premiums than Plan G
- Some copays for doctor visits and ER
- No coverage for excess charges
- Lower premiums than Plan G
- Plan F (Only available if you were eligible for Medicare before 2020)
- Covers everything, including Part B deductible
- No longer available to new Medicare members
- Covers everything, including Part B deductible
- High-Deductible Plan G
- Offers same benefits as Plan G after meeting deductible
- Great for healthy individuals who want lower monthly premiums
- Offers same benefits as Plan G after meeting deductible
- Plan A
- Basic coverage at a lower cost
- Good for those looking for minimal backup protection
- Basic coverage at a lower cost
How to Choose the Right Medigap Plan
- Evaluate your health needs and budget
- Check provider access—Medigap works with any provider who accepts Medicare
- Compare premium pricing across carriers
- Ask about rate increases and underwriting requirements
What’s Changing in 2025?
Some insurers are adjusting premiums or modifying underwriting guidelines. Now’s the perfect time to review your coverage before your next Open Enrollment Period.
Need help comparing Medigap plans?
ACBS Insurance Services offers unbiased guidance to help you choose the right Medicare Supplement plan. Request a free quote today.