Medicare 101 Series
Medicare · Supplement Plans
Medicare Supplement Plans,
Side by Side
Medicare Supplement (Medigap) plans fill the gaps in Original Medicare — deductibles, co-insurance, and copays. The plans are standardized across carriers, so Plan G from one company covers the same as Plan G from another. The only thing that varies between carriers is price and service.
Here are the most common options and how they compare.
Plan G
$100–$300/mo
Everything except the Part B deductible (about $257 in 2025). After that, most services are 100% covered.
Best for
The standard choice for new Medicare enrollees who want maximum coverage.
Plan N
$80–$200/mo
Same as Plan G except: $20 copay per office visit, $50 ER copay (waived if admitted), and doesn't cover Part B excess charges.
Best for
Healthier enrollees who want lower monthly cost and can handle occasional copays.
Plan F
$130–$350/mo
Covers absolutely everything — including the Part B deductible. Not available to anyone who became Medicare-eligible after 2020.
Best for
People already on Plan F who became eligible before 2020 and want first-dollar coverage.
High Deductible G
$40–$80/mo
Plan G benefits but you pay a high deductible first ($2,870 in 2025). After that, full coverage like Plan G.
Best for
People who rarely visit doctors and want the lowest possible premium with catastrophic protection.
Coverage at a Glance
Standardized across every carrier. Plan G from Carrier A covers identically to Plan G from Carrier B — only price varies.
| Benefit | Plan G | Plan N | Plan F | High Ded. G |
|---|---|---|---|---|
| Part A hospital coinsurance + 365 extra days | after ded. | |||
| Part B coinsurance / copayPlan N has $20 office / $50 ER copays | after ded. | |||
| Blood (first 3 pints) | after ded. | |||
| Hospice coinsurance | after ded. | |||
| Skilled nursing coinsurance | after ded. | |||
| Part A deductible | after ded. | |||
| Part B deductible$257 in 2025 | ||||
| Part B excess charges | after ded. | |||
| Foreign travel emergency (up to plan limits) | after ded. |
High Deductible Plan G deductible in 2025
The trade-off for HDG's much lower premium. You pay the first $2,870 in covered costs each year before the plan kicks in — then it pays like a regular Plan G.
About these rates: Premiums vary widely by state, age, gender, tobacco use, and carrier. The ranges above are typical 2025 examples for a non-smoker enrolling at 65. Get specific quotes for your situation — Plan G from one carrier might cost $130/mo while another carrier prices the same plan at $250/mo for the exact same coverage.
Want quotes from multiple carriers?
We pull quotes from every major Medigap carrier — so you compare exact premiums for the same plan side by side, not just one company's pitch.
Keep Reading
More in Medicare
Sources
medicare.gov/medigap · cms.gov
Educational content only. Not financial advice. Rate ranges are general examples and vary by carrier, state, age, gender, and tobacco use. Consult a licensed advisor for quotes specific to your situation.