Medicare Plan Comparison
Which Medicare Supplement Plan Is Best for You?
Plan G is the most popular Medicare Supplement plan, covering everything except the $283 Part B annual deductible for $130 to $270/month at age 65. Plan N saves $20 to $50/month but adds small copays. High-Deductible Plan G has the lowest premiums at $30 to $80/month. All Medigap plans are standardized by CMS, coverage is identical regardless of carrier, only the price differs.
View Medicare Plans in Your Area
Compare Medicare Advantage and Medicare Supplement plans available where you live. No obligation.
What Does Each Medigap Plan Cover and Cost?
Tap any plan to see its full coverage details and estimated premiums by age. For a full state-by-state breakdown, see our Medicare Supplement Costs by State page.
Popular Plans
*Plan N: $20 copay for office visits, up to $50 copay for ER visits (waived if admitted)
†Innovative Plan G: Carriers vary - some use a modest deductible ($500 to $1,000) or copay structure in exchange for lower premiums
Plans C and F are only available to people who became eligible for Medicare before January 1, 2020.
Which Plan Should You Choose Based on Your Situation?
Plan G
The best overall value for most people. You pay only the Part B deductible ($283/year) - everything else is covered.
Best for: Anyone who wants comprehensive coverage with predictable costs and freedom to see any doctor.
High-Deductible Plan G
Same benefits as Plan G, but you pay a $2,870 annual deductible before coverage kicks in. Premiums as low as $30 to $80/month.
Best for: Healthy individuals who want catastrophic protection at the lowest possible premium.
Innovative Plan G
A hybrid approach - same Plan G benefits but with a modest deductible or copay structure. Lower premiums than standard G, higher than HD G.
Best for: People who want a middle ground between Plan G's full coverage and High-Deductible G's lower premiums.
Plan N
Save $20 to $50/month on premiums vs Plan G. You pay small copays ($20 office, $50 ER) and may be responsible for Part B excess charges.
Best for: Healthy individuals who don't visit the doctor frequently and want lower premiums.
Plans K & L
K covers 50% and L covers 75% of most benefits, with annual out-of-pocket limits ($7,060 and $3,530). Lowest premiums after HD plans.
Best for: Those who want lower premiums with a built-in spending cap for protection.
Plan A
Covers the core benefits - Part A & B coinsurance, blood, and hospice. Does not cover deductibles, SNF, excess charges, or foreign travel.
Best for: Those who want basic gap coverage at a lower premium and are comfortable paying deductibles out of pocket.
Frequently Asked Questions About Medicare Supplement Plans
Sources: CMS.gov
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Prices vary by zip code, carrier, and enrollment timing. Let me show you what each plan costs in your area, comparing all available carriers side by side.
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