The 2 Best Medicare Plans for 2025: Are You on the Right One?

Why Plan G and PPO Medicare Advantage Plans Stand Out

After working with thousands of Medicare beneficiaries, two plans continue to stand out above the rest:

1. Medicare Supplement Plan G
2. Medicare Advantage PPO Plans

Let’s explore why these two plans are the best options for most people in 2025.

Medicare Supplement Plan G: The Gold Standard in Coverage

Medicare Supplement Plan G is often considered the gold standard when it comes to Medigap policies. Why? Because it offers unmatched freedom and simplicity:

• See any doctor nationwide that accepts Medicare—no networks.
• No referrals needed to see specialists.
• Minimal out-of-pocket costs after meeting your $257 Part B deductible (2025).
• Great for frequent travelers or snowbirds who split time between states.

Plan G is perfect for people who want peace of mind and don’t want to worry about whether a procedure will be covered or if their doctor is in-network. It’s especially beneficial for individuals with ongoing health issues or anyone who simply prefers to know their costs up front.

Real-Life Example:

We recently helped a client in California who travels between three different states every year. They were constantly hit with out-of-network charges under their Medicare Advantage plan. We helped them switch to a Plan G, and now they have the freedom to see any doctor that takes Medicare, no matter where they go. Yes, they pay a little more monthly, but the freedom and peace of mind? Priceless.

Pro Tip: Don’t Overpay

One big mistake we see? People stick with the same Plan G for years without shopping around. Plan G benefits are standardized, but premiums vary wildly between carriers.

Just last month, we helped a client switch from a $260/month Plan G to the exact same plan for $180/month—saving them $960 per year. Same benefits, lower premium. If you have a Plan G, it’s worth checking to see if you’re overpaying.

Medicare Advantage PPO Plans: Budget-Friendly and Flexible

Next up is the Medicare Advantage PPO plan. This plan is ideal for:

• Healthy individuals who don’t visit the doctor often
• People looking for a low or $0 premium plan
• Those wanting built-in drug coverage, dental, vision, hearing, and even fitness perks
• Anyone who wants local network flexibility with some out-of-network options

Unlike HMO plans that restrict you to in-network doctors, PPOs give you more choice and flexibility—especially when traveling or needing specialized care.

But Be Cautious…

Not all Medicare Advantage plans are created equal. Some have:

• High out-of-pocket limits
• Changing networks from year to year
• Drug formularies that might not include your prescriptions

Also, many people choose a plan just because their friend or neighbor has it. That’s a mistake! Your health needs and prescriptions are unique—make sure your plan covers what you need.

Enrollment Periods to Know

Timing is everything when it comes to Medicare. Here’s what you need to know:

• October 15 – December 7: Annual Enrollment Period (AEP). Great time to change from one Advantage plan to another or go from Original Medicare to Advantage.
• January 1 – March 31: Medicare Advantage Open Enrollment. You can make a one-time switch from one Advantage plan to another or go back to Original Medicare.
• Anytime: If you’re switching from one Medigap plan to another, you can apply year-round, but underwriting is usually required.

Common Medicare Plan Mistakes to Avoid

Here are the biggest pitfalls we see people fall into:

• Choosing a plan because your friend did
• Not checking if your prescriptions are covered
• Not shopping your Supplement Plan rates
• Failing to review your plan annually

Every year, plans change. Carriers adjust their drug formularies, provider networks, and even premiums. That’s why we help our clients review their coverage every year to ensure they’re still on the best plan for their situation.

Final Thoughts: Are You on the Right Plan for 2025?

To wrap it up, the two best Medicare plans for 2025 are:

• Medicare Supplement Plan G – for those who want maximum flexibility, low out-of-pocket costs, and peace of mind.
• Medicare Advantage PPO Plans – for those looking for budget-friendly, all-in-one plans with added perks.

It’s not a one-size-fits-all decision. Your health, finances, and personal preferences all matter. If you’re unsure which plan is right for you, give us a call or book a free appointment. Our team will walk you through your options and make sure you’re covered—no pressure, no cost.

Still unsure? Call the number be at 800-208-4974 to schedule a free consultation. Let’s make sure you’re on the best Medicare plan for 2025.