If you’re approaching age 65 or already on Medicare, you’re probably wondering: “Which Medicare Supplement (Medigap) plan gives me the best coverage for the lowest price?”
Medicare Supplement Plans can help cover the costs Original Medicare doesn’t, like deductibles, coinsurance, and co-payments — potentially saving you hundreds or even thousands of dollars each year.
In this 2025 edition, we break down the best Medigap plans, compare their coverage, and help you choose the right one for your budget and health needs.
✅ What Are Medicare Supplement Plans?
Medicare Supplement Plans, also known as Medigap, are private insurance policies that work alongside Original Medicare (Part A & B) to help pay out-of-pocket costs.
These plans do not replace Medicare — they just reduce what you pay out of pocket.
🏆 Top Medicare Supplement Plans for 2025
The government standardizes Medigap plans by letter (A–N), but Plan G, Plan N, and High-Deductible Plan G are the most popular and valuable options in 2025.
1. Plan G – Best Overall Coverage
Why It’s Great: Covers everything except the Medicare Part B deductible ($240 in 2025).
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Monthly Premium: $130–$190 (varies by location, age, and provider)
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Covers: Part A coinsurance, Part B coinsurance, skilled nursing facility care, foreign travel emergencies
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Best For: People who want full coverage with predictable costs.
2. Plan N – Best for Lower Premiums
Why It’s Great: Lower monthly premiums, but with small co-pays for doctor and ER visits.
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Monthly Premium: $90–$140
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Covers: Everything Plan G does, except:
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$20 co-pay for office visits
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$50 co-pay for ER (if not admitted)
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Doesn’t cover Part B excess charges
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Best For: Healthy seniors who don’t visit the doctor often.
3. High-Deductible Plan G – Best for Budget-Conscious Seniors
Why It’s Great: Much lower monthly premiums, but you must pay a deductible before full coverage kicks in.
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Monthly Premium: $45–$70
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Deductible: $2,800 in 2025
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Best For: Seniors who want coverage in case of serious illness but can handle routine expenses.
📊 Medigap Plan Comparison Table (2025)
| Benefit | Plan G | Plan N | High-Deductible G |
|---|---|---|---|
| Part A coinsurance | ✅ | ✅ | ✅ |
| Part B coinsurance | ✅ | ✅* | ✅ |
| Part A deductible | ✅ | ✅ | ✅ after deductible |
| Part B deductible | ❌ | ❌ | ❌ |
| Excess charges | ✅ | ❌ | ✅ |
| Foreign travel emergency (up to limits) | ✅ | ✅ | ✅ |
| Co-payments | ❌ | Yes | ✅ after deductible |
| Monthly Premium (average) | $150 | $110 | $60 |
*Plan N has small co-pays for office visits and ER.
🧠 Things to Know Before You Enroll
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🕒 Enrollment is best during your Medigap Open Enrollment Period (first 6 months after you turn 65 and enroll in Part B).
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🏥 Plans don’t include prescription drugs – consider a separate Part D plan.
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📍 Premiums vary by zip code, age, gender, and tobacco use.
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🔍 Always compare prices from multiple providers like Aetna, Mutual of Omaha, UnitedHealthcare, Cigna, and Humana.