Best Medicare Supplement Plans (Medigap) for Seniors in 2025
As healthcare costs continue to rise, having the right Medicare Supplement Insurance (Medigap) plan
can provide seniors with much-needed financial protection. While Original Medicare (Part A and Part B) covers many services, it still leaves out-of-pocket costs such as deductibles, copayments, and coinsurance. Medigap plans are designed to fill those gaps.
This guide outlines the best Medigap plans available in 2025, how they differ, and which one may be best for your needs.
What Is a Medicare Supplement Plan?
Medigap plans are private insurance policies that work alongside Original Medicare. These plans help pay some of the healthcare costs that Medicare does not cover. Each plan is standardized and identified by a letter (A through N), meaning the benefits of each plan are the same no matter which company offers it. However, prices and customer service can vary.
Best Medigap Plans for 2025
Plan G – Most Comprehensive for New Enrollees
Plan G is the most popular Medigap plan for those who became eligible for Medicare after January 1, 2020. It offers nearly complete coverage, with the exception of the Part B deductible.
What it covers:
- Medicare Part A deductible
- Part A coinsurance and hospital costs
- Part B excess charges
- Skilled nursing facility care coinsurance
- Foreign travel emergency coverage
Estimated monthly cost: $120 to $180 depending on location, age, and health status
Best for: Seniors who want predictable costs and broad coverage
Plan N – Good Coverage with Lower Premiums
Plan N offers a solid level of coverage with lower monthly premiums than Plan G. However, you’ll pay small copayments for doctor and emergency room visits, and it does not cover Part B excess charges.
What it covers:
- Medicare Part A deductible
- Hospital costs
- Skilled nursing care
- Emergency care while traveling abroad
What it doesn’t cover:
- Part B excess charges
- Small copays apply for office and ER visits
Estimated monthly cost: $90 to $140
Best for: Healthier seniors who don’t mind occasional copays
Plan F – Best Coverage (For Those Eligible Before 2020)
Plan F offers the most complete coverage of all Medigap plans but is only available to those who were eligible for Medicare before January 1, 2020.
What it covers:
- Everything that Plans G and N cover
- Medicare Part B deductible
Estimated monthly cost: $140 to $200
Best for: Seniors eligible before 2020 who want zero out-of-pocket medical expenses
Top Medigap Insurance Providers in 2025
While the benefits of Medigap plans are standardized, providers vary in pricing, rate increases, and customer service. The following companies are consistently well-rated:
- AARP/UnitedHealthcare – Nationwide availability, added wellness benefits, and strong customer support.
- Mutual of Omaha – Competitive premiums and reputation for rate stability.
- Humana – Offers digital tools and helpful customer service.
- Blue Cross Blue Shield – Regional networks with national reliability.
What’s Not Covered by Medigap
- Prescription drugs (requires a separate Part D plan)
- Long-term care
- Vision and dental
- Hearing aids
- Eyeglasses
- Private-duty nursing
Tips for Choosing the Right Plan
- Assess your current and future healthcare needs
- Compare monthly premiums and potential out-of-pocket costs
- Check if your preferred doctors accept Medicare
- Consider how often you travel or see specialists
- Shop around for quotes from multiple providers
Final Thoughts
Choosing the right Medicare Supplement plan in 2025 depends on your health, budget, and personal preferences. For new enrollees, Plan G offers the most complete coverage. Plan N provides solid benefits at a lower cost for those in good health, and Plan F remains a strong option for those grandfathered in.
Take time to compare quotes, understand your coverage needs, and enroll during your Medigap Open Enrollment Period to avoid underwriting and guarantee your acceptance.
If you’d like a printable comparison chart or assistance with evaluating quotes, feel free to ask.
