Choosing the right Medicare Supplement (Medigap) plan can feel overwhelming. With more than 10 standardized plans available and premiums varying by company, many seniors struggle to decide which plan fits their health needs and budget. Most people focus on just three top plans in 2025: Plan G, Plan N, and Plan F (if eligible before 2020).
Making the wrong choice could mean spending thousands in unexpected medical bills. We’ll help you understand the differences, see how each plan works in real-life scenarios, and guide you to the best option for your situation. Call 269-244-3420 or request a free quote today.
Why Medicare Supplements Still Matter in 2025
Original Medicare (Parts A & B) covers basic hospital and medical care but leaves significant gaps. Deductibles, coinsurance, and unlimited out-of-pocket costs can add up quickly. For example, a single hospital stay without a supplement could easily cost thousands in coinsurance and deductibles.
Medicare Supplement plans are standardized by law to fill these gaps. While 10 plans exist, the overwhelming majority of seniors in 2025 select Plan G, Plan N, or Plan F. These plans provide peace of mind, predictable expenses, and coverage for unexpected medical costs, so you can focus on your health instead of worrying about bills.
Compare the Top Medicare Supplement Plans in 2025
| Benefit | Plan F | Plan G | Plan N |
|---|---|---|---|
| Part A Coinsurance & Hospital Costs | ✔ Covered | ✔ Covered | ✔ Covered |
| Part B Coinsurance / Copay | ✔ Covered | ✔ Covered | Copays ($20 doctor / $50 ER) |
| Part A Deductible | ✔ Covered | ✔ Covered | ✔ Covered |
| Part B Deductible | ✔ Covered | Not Covered ($240 in 2025) | Not Covered ($240 in 2025) |
| Excess Charges | ✔ Covered | ✔ Covered | Not Covered (learn what this means) |
| Monthly Premium | Highest | Moderate | Lowest |
Many people find this table helpful for a quick comparison, but let’s break it down in more detail with scenarios, pros, and cons.
Medicare Supplement Plan F in 2025
Plan F is often considered the “gold standard” because it covers every Medicare gap, including the Part B deductible. That means first-dollar coverage — zero out-of-pocket costs for covered services. Premiums tend to be the highest, and only those eligible for Medicare before January 1, 2020 can enroll.
Scenario Example: A 70-year-old with multiple doctor visits and a hospital stay would pay nothing out-of-pocket with Plan F, while paying hundreds or thousands with lower-tier plans.
Pros:
- Zero out-of-pocket for covered services
- Comprehensive coverage
- Peace of mind for frequent healthcare users
Cons:
- Highest monthly premiums
- Not available for new Medicare enrollees after 2020
Tip: Eligible for Plan F? Compare side-by-side quotes with Plan G — call us at 269-244-3420.
Medicare Supplement Plan G in 2025
Plan G is the most popular choice in 2025. It covers everything Plan F does except the Part B deductible ($240). Premiums are generally lower, making overall costs often less than Plan F. It’s ideal for those who want strong coverage without the top-tier price.
Scenario Example: A healthy 68-year-old new to Medicare might pay $120–$150/month for Plan G versus $170–$200/month for Plan F. Paying the $240 deductible once a year still keeps total expenses lower than Plan F.
Pros:
- Comprehensive coverage except Part B deductible
- Moderate premiums
- Widely available across carriers
Cons:
- Must pay Part B deductible ($240 in 2025)
Tip: Most new enrollees should consider Plan G. Get a quote today.
Medicare Supplement Plan N in 2025
Plan N offers lower premiums with small copays:
- Up to $20 for some doctor visits
- Up to $50 ER visits (waived if admitted)
- Part B deductible ($240 in 2025)
- No coverage for Part B excess charges (click here to learn more)
Plan N works best for healthy seniors with minimal doctor visits. Note that it does not cover Part B excess charges (additional amounts doctors can bill above Medicare-approved rates — read more here).
Scenario Example: A 70-year-old visiting the doctor 2–3 times a year might pay only $80–$100/month in premiums, plus occasional small copays.
Pros:
- Lowest premiums of top plans
- Good choice for healthy seniors
Cons:
- Part B deductible not covered
- Excess charges not covered
- Copays apply to some services
Tip: Call 269-244-3420 to see potential savings with Plan N.
High-Deductible Plan G in 2025
High-Deductible Plan G is a niche option for healthy seniors who want catastrophic protection without paying high monthly premiums. In 2025, it comes with a $2,800 deductible. Premiums are much lower than standard Plan G. To learn a little bit more about High Deductible Medicare Supplements, this post might be helpful.
Final Thoughts: Which Medicare Supplement Plan is Best in 2025?
Here’s a quick summary:
- Plan F: First-dollar coverage, best for pre-2020 enrollees, highest premiums.
- Plan G: Best overall value for new enrollees, widely available, strong coverage.
- Plan N: Budget-friendly, small copays, good for healthy seniors.
- High-Deductible G: Low monthly premiums, high out-of-pocket, niche option.
Still unsure which plan fits your needs? Don’t navigate this alone. Call 269-244-3420 or request a free quote. We’ll walk you through the options and find the best plan for your health and budget.
Tips for Choosing the Right Medicare Supplement Plan
- Compare Plan G vs Plan N premiums in your state for the most accurate costs.
- Factor in your doctor’s billing habits, especially regarding excess charges.
- Consider your health status and expected number of doctor visits.
- Check if you qualify for guaranteed issue rights or special enrollment periods.
- Work with a licensed independent agent to compare multiple carriers.
Need Help Choosing the Right Medicare Supplement Plan?
Our licensed independent Medicare agents compare 15+ top insurance carriers in Michigan so you don’t have to. Get unbiased guidance, local expertise, and the best plan for your health and budget — at no extra cost.
Frequently Asked Questions (FAQ)
You can purchase Medigap from any company licensed in your state, but rates vary. Working with an independent agent lets you compare multiple carriers at once. Learn more about Medicare Part B excess charges.