If you’re nearing the age of 65 or already enrolled in Medicare, you’ve likely heard about Medicare Supplement Plans, also known as Medigap. These plans help cover healthcare costs that Original Medicare (Part A and Part B) doesn’t fully pay for—like copayments, coinsurance, and deductibles. In this article, we’ll break down everything you need to know about Medicare Supplement Plans in 2025.
What is a Medicare Supplement Plan?
A Medicare Supplement Plan is private insurance that helps pay some of the healthcare costs not covered by Original Medicare. It “fills the gap”, hence the name Medigap. These plans are sold by private insurance companies but are regulated by the federal government, so coverage is standardized.
What Do Medicare Supplement Plans Cover?
Medigap plans typically cover:
- Medicare Part A coinsurance & hospital costs
- Medicare Part B coinsurance or copayment
- First 3 pints of blood for a medical procedure
- Part A hospice care coinsurance
- Skilled nursing facility care coinsurance
- Foreign travel emergency care (in some plans)
Note: They do not cover dental, vision, hearing aids, or long-term care.
Types of Medicare Supplement Plans
There are 10 standardized Medigap plans available in most states, labeled Plan A, B, C, D, F, G, K, L, M, and N.
Most Popular Plans in 2025:
- Plan G: Offers comprehensive coverage; best for new Medicare enrollees.
- Plan N: Lower premium, but you may pay small copayments.
- Plan F: Most comprehensive, but only available to those enrolled before Jan 1, 2020.
How Much Do Medicare Supplement Plans Cost?
Premiums vary based on:
- Your location
- Your age
- Insurance company
- Type of plan
On average, you can expect to pay $100 – $300/month, depending on the plan and insurer.
Who is Eligible?
To buy a Medicare Supplement Plan:
- You must be enrolled in Medicare Part A and B
- You must be 65 or older (some states allow earlier)
- Best time to enroll: During your Medigap Open Enrollment Period (6 months after you turn 65 and are enrolled in Part B)
How to Choose the Right Plan?
Consider:
- Your health condition
- Monthly budget
- Travel needs (some plans cover international emergencies)
- Plans accepted in your state
Use comparison tools or talk to a licensed insurance agent.
Important Notes for 2025
- Plan F is no longer available to new enrollees
- Premiums may increase yearly based on age or inflation
- Medigap does not include drug coverage – you’ll need a Part D plan separately
Final Thoughts
Medicare Supplement Plans are a smart choice for anyone who wants to reduce out-of-pocket expenses. Whether you choose Plan G for its full coverage or Plan N for budget-friendly premiums, a good Medigap plan can give you peace of mind and financial protection in retirement. Always compare quotes and plans from trusted insurance providers to find the best fit for your healthcare needs in 2025.