Choosing the right Medicare Supplement plans — also known as Medigap — can directly impact your out-of-pocket costs, medical access, and financial security in retirement. This comprehensive comparison breaks down coverage differences, pricing expectations, benefits, and cost drivers so you make a confident decision without confusion.
This guide is optimized for search visibility and real user intent: Medicare Supplement plans compared with clear pricing, coverage, and how to choose.
Understanding Medicare Supplement (Medigap)
Medicare Supplement plans help pay costs that Original Medicare (Part A and Part B) doesn’t cover — like coinsurance, copayments, and deductibles. These plans are standardized (A–N), meaning benefits for each letter plan are the same across insurers, but premiums vary by provider and location.
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H2: How Medicare Supplement Plans Work
Medigap policies supplement Original Medicare by reducing out-of-pocket costs.
H3: Core Features of Medicare Supplement Plans
- Works with Original Medicare (Part A & B) — not Medicare Advantage
- Standardized benefits by plan letter (A, B, C, D, F, G, K, L, M, N)
- Guaranteed renewable (as long as you pay premiums)
- Covers services nationally (doesn’t depend on network)
H2: Medigap Coverage Comparison — What Each Plan Offers
H3: Plans With the Most Comprehensive Coverage
| Plan | Part A Deductible | Part B Excess Charges | Skilled Nursing | Foreign Travel |
|---|---|---|---|---|
| Plan F | Yes | Yes | Yes | Yes |
| Plan G | No | Yes | Yes | Yes |
| Plan N | No | Limited | Yes | Yes |
Plan F historically offers the most complete coverage, including Part B deductible — but is no longer available to new Medicare enrollees who became eligible after 2020.
Plan G is widely considered today’s top value for full coverage except the Part B deductible.
Plan N has slightly lower premiums with cost-sharing for copays and excess charges.
H3: Lower-Cost Medigap Options
| Plan | Covers 50% | Covers 75% | Full Coverage |
|---|---|---|---|
| Plan K | Yes | No | No |
| Plan L | Yes | Yes | No |
Plans K and L offer partial benefits with lower premiums — but you pay more out of pocket when care is needed.
H2: Pricing Medicare Supplement Plans — What to Expect
Medigap pricing is influenced by:
- Location (state/city)
- Age
- Issue-age rated (premiums fixed at time of purchase)
- Attained-age rated (premiums increase with age)
- Gender and tobacco use
- Insurance company pricing strategy
H3: Typical Monthly Premium Ranges
| Plan | Lower Range | Higher Range |
|---|---|---|
| Plan G | $120–$200 | $220–$300+ |
| Plan N | $90–$160 | $180–$250+ |
| Plan F (if eligible) | $170–$250 | $250–$350+ |
| Plan K | $60–$100 | $90–$140 |
| Plan L | $80–$130 | $120–$180 |
Actual premiums vary by insurer, age, and location. These ranges reflect general market patterns.
H2: Medigap vs Medicare Advantage vs Original Medicare
H3: Original Medicare Only
- Part A and B cover basics
- You pay coinsurance, deductibles, gaps
- No out-of-pocket maximum
H3: Medicare Advantage (Part C)
- Combines A, B, and usually prescription drug coverage
- Often lower premiums
- Provider networks and prior authorization may limit flexibility
H3: Medicare Supplement (Medigap)
- Works with Original Medicare
- Most predictable out-of-pocket costs
- Freedom to see any provider who accepts Medicare
Key Takeaway: If cost predictability, provider freedom, and minimized medical expenses matter most, Medicare Supplement plans often outperform Advantage plans for comprehensive coverage.
H2: How to Choose the Best Medigap Plan (Step-by-Step)
H3: Step 1 — Review Your Health Needs
Consider:
- Frequency of doctor visits
- Specialist care needs
- Hospitalization risk
H3: Step 2 — Compare Plan Letters, Not Carriers
Since benefits are standardized, comparing Plan G vs Plan N vs Plan K/L is primary. Pricing differences are between carriers offering the same letter plan.
H3: Step 3 — Evaluate Long-Term Cost, Not Just Premiums
Lower monthly cost may mean higher out-of-pocket when care is needed.
H3: Step 4 — Check Enrollment Timing
You have a Medigap open enrollment period (usually 6 months starting the month you’re 65 and enrolled in Part B) where you can’t be denied coverage and pricing is most favorable.
H2: Medicare Supplement Plans – FAQ
What is the best Medigap plan overall?
For most new Medicare enrollees, Plan G is top because it covers almost everything except the Part B deductible — blending premium value with broad benefits.
How much does Medicare Supplement insurance cost?
Costs vary widely but generally range from $90 to $300+ per month, depending on plan letter, age, location, gender, and tobacco use.
Is Medigap worth the cost?
If you want predictable medical costs and minimal out-of-pocket responsibility, yes — especially for frequent medical care or hospitalization risk.
Can I use Medigap with Medicare Advantage?
No. Medigap only works with Original Medicare (Part A and B). You must disenroll from Medicare Advantage to use a Medigap policy.
When should I buy a Medigap plan?
Ideally during your Medigap Open Enrollment, which starts when you’re 65 and enrolled in Medicare Part B.
H2: Conclusion: Medicare Supplement Plans Compared — Choose With Confidence
When Medicare Supplement plans are compared side-by-side, the differences in coverage, pricing, and cost-sharing become clear:
- Plan G offers near-comprehensive protection at reasonable premiums.
- Plan N balances cost with solid benefits.
- Plans K and L appeal to budget-conscious seniors willing to trade benefits for lower premiums.
Make your choice based on long-term coverage needs, pricing strategy, and personal health expectations. Speak with a licensed Medicare insurance specialist to run personalized quotes and secure the plan that protects both your health and your retirement savings.