Choosing the right Medicare Supplement (Medigap) plan in 2025 is crucial for seniors aiming to minimize out-of-pocket healthcare expenses not covered by Original Medicare. While all Medigap plans are standardized, meaning Plan G from one insurer offers the same basic benefits as Plan G from another, differences in premiums, customer service, and additional perks can influence your decision. Here’s an in-depth look at the top Medigap plans and providers for 2025:
Top Medicare Supplement Plans for 2025
1. Plan G – Comprehensive Coverage for New Enrollees
Plan G is widely regarded as the most comprehensive Medigap plan available to new Medicare enrollees in 2025. It covers:
- Part A coinsurance and hospital costs
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Foreign travel emergency care (up to plan limits)
The only notable expense not covered is the Medicare Part B deductible, which is $257 in 2025. Despite this, Plan G offers extensive coverage, making it a preferred choice for many.
2. Plan N – Balanced Coverage with Lower Premiums
Plan N provides a balance between comprehensive coverage and affordability. It covers:
- Part A coinsurance and hospital costs
- Part B coinsurance or copayment (except for certain copayments)
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Foreign travel emergency care (up to plan limits)
However, beneficiaries are responsible for:
- Up to $20 copayment for some office visits
- Up to $50 copayment for emergency room visits that don’t result in inpatient admission
- Any Part B excess charges (if applicable)
Plan N’s premiums are generally lower than Plan G’s, making it an attractive option for those willing to handle modest out-of-pocket costs.
3. High-Deductible Plan G – Lower Premiums with Higher Deductible
High-Deductible Plan G offers the same benefits as standard Plan G but requires beneficiaries to pay a higher deductible before the plan begins to pay. In 2025, this deductible is $2,870. This plan is suitable for those who prefer lower monthly premiums and are comfortable with higher initial out-of-pocket expenses.
Top Medicare Supplement Providers for 2025
AARP/UnitedHealthcare
- Availability: Nationwide
- Plans Offered: A, B, C, D, F, G, K, L, N, and high-deductible versions where applicable
- Notable Features:
- Competitive premiums
- Additional benefits like gym memberships and wellness programs
- Strong customer service reputation
- Competitive premiums
Mutual of Omaha
- Availability: Most states
- Plans Offered: A, F, G, N, and high-deductible versions
- Notable Features:
- Known for excellent customer service
- Offers competitive rates, especially for Plan G
- Provides household discounts in some areas
- Known for excellent customer service
Cigna
- Availability: Select states
- Plans Offered: A, F, G, N
- Notable Features:
- Offers some of the lowest premiums for Plan G
- Provides discounts for online enrollment and household members
- Strong financial stability
- Offers some of the lowest premiums for Plan G
Anthem Blue Cross Blue Shield
- Availability: Various states under different BCBS entities
- Plans Offered: A, F, G, N, and others depending on the state
- Notable Features:
- Offers additional perks like fitness memberships and wellness programs
- Strong network of healthcare providers
- Variety of plans catering to different needs citeturn0search1
- Offers additional perks like fitness memberships and wellness programs
Choosing the Right Plan
When selecting a Medigap plan:
- Assess Your Healthcare Needs: Consider how often you visit doctors, specialists, or require hospital services.
- Budget Considerations: Determine how much you can afford in monthly premiums versus out-of-pocket costs.
- Provider Access: Ensure your preferred doctors and hospitals accept the plan you choose.
- Additional Benefits: Some insurers offer perks like fitness programs, vision, or dental discounts.
Remember, the best time to enroll in a Medigap plan is during your six-month Medigap Open Enrollment Period, which starts the month you’re 65 or older and enrolled in Medicare Part B. During this period, you have a guaranteed right to buy any Medigap policy sold in your state, regardless of health status.