What Are Medicare Supplement Plans?
Medicare Supplement Plans, also known as Medigap plans, are designed to fill the gaps in Original Medicare. If your plan has a letter designation like F, G, or N, it’s a Medigap plan—not to be confused with Medicare Advantage. With Medigap, you can see any doctor nationwide who accepts Medicare. No networks, no referrals, and no hassles.
In 2025, the most popular Medicare Supplement Plans will be:
- Plan F (for those eligible before 2020)
- Plan G
- Plan N
- High Deductible Plan G
Let’s break down each plan, its coverage, and its premiums.
Plan F: Full Coverage for Eligible Beneficiaries
Who is eligible? Plan F is available only to individuals who became eligible for Medicare before January 1, 2020. If you meet this criterion, you can enroll in Plan F at any time, even if you currently have a different plan.
Why choose Plan F? Plan F offers the most comprehensive coverage. It pays for:
- The Part B deductible ($257 in 2025)
- All copays
- All coinsurance
With Plan F, you won’t have any out-of-pocket costs other than your monthly premium.
Plan G: The Most Popular Plan
Why is it popular? Plan G is the top choice for new Medicare enrollees in 2025 because it’s comprehensive and widely available. The only out-of-pocket cost you’ll face is the Part B deductible ($257 in 2025). After that, you’ll enjoy full coverage with no copays or coinsurance.
Ideal for: Individuals who want robust coverage without paying for benefits they may not use.
Plan N: A Budget-Friendly Option
How does it compare to Plan G? Plan N offers similar coverage to Plan G but includes some out-of-pocket costs:
- Office visit copays: $0 to $20 per visit
- Emergency room copays: $50 (waived if admitted)
- Part B excess charges: Not covered
What are Part B excess charges? These occur when a doctor who doesn’t accept Medicare assignment charges up to 15% above the Medicare-approved amount. Fortunately, these charges are rare and can be avoided by confirming your doctor accepts Medicare assignment.
Who should consider Plan N? Plan N is an excellent choice for individuals looking to save on premiums while maintaining solid coverage. It’s perfect if you’re comfortable with small copays and can verify that your doctors accept Medicare assignment.
High Deductible Plan G: Coverage for Major Events
What is it? High Deductible Plan G (HDG) offers lower premiums but requires you to meet an annual deductible of $2,870 in 2025 before coverage kicks in. Once the deductible is met, HDG covers all costs.
Who is it for? This plan is ideal for healthy individuals who want protection from major medical expenses without paying high premiums.
Premiums for 2025: A Look at the Numbers
Let’s review average premiums for competitive carriers in Austin, Texas:
For a 75-Year-Old Male (Non-Tobacco):
- Plan F: $170/month
- Plan G: $150/month
- Plan N: $100/month
- High Deductible G: $40/month
For a 65-Year-Old Male (Non-Tobacco):
- Plan F: $130/month
- Plan G: $110/month
- Plan N: $80/month
- High Deductible G: $30-$40/month
Comparing Costs: Plan G vs. Plan N
One of the most significant decisions is between Plan G and Plan N. For example:
- A 75-year-old male saves $600/year with Plan N over Plan G.
- A 65-year-old male saves $360/year with Plan N over Plan G.
If you’re comfortable with small copays and ensuring your doctors accept Medicare assignment, Plan N can be a fantastic cost-saving choice.
Choosing the Right Plan for You
When selecting a Medicare Supplement Plan, consider:
- Your Health Needs: Are you okay with small out-of-pocket costs, or do you prefer comprehensive coverage?
- Your Budget: Do you want the lowest premiums, or are you willing to pay more for fewer out-of-pocket expenses?
- Your Providers: Ensure your doctors accept Medicare assignment to avoid excess charges.
Get Expert Help Today
If you’re looking to compare premiums or have questions about the best Medicare Supplement Plans in 2025, give us a call at 800-208-4974. At Blue Wave Insurance, we’re here to help you navigate your options and find the perfect plan for your needs.
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
