Medicare is a lifeline for millions of Americans over 65, but let’s face it—Original Medicare doesn’t cover everything. That’s where Medigap, also known as Medicare Supplement Insurance, comes in. It helps fill in those “gaps” that can cost you money out-of-pocket, like deductibles, coinsurance, and copays.
But with several plans, dozens of providers, and pricing that varies by zip code, choosing the right Medicare Supplement Plan in 2025 can feel overwhelming. Whether you're approaching retirement or already enrolled in Medicare and looking to switch, here’s how to make an informed decision—without the jargon or sales pressure.
What Exactly Is Medigap?
Medigap plans are private insurance policies that work alongside your Original Medicare (Parts A & B). They don’t replace your Medicare coverage—they supplement it.
There are 10 standardized Medigap plans in most states (Plans A, B, C, D, F, G, K, L, M, and N). Each offers different levels of coverage. For example, Plan G is one of the most popular in 2025—it covers almost everything except your Part B deductible.
These plans are regulated, which means a Plan G from one company offers the same basic benefits as a Plan G from another—but prices and service can differ.
What’s Changing in 2025?
While Medigap itself hasn’t changed drastically, here’s what’s new:
More insurers are offering online quotes with real-time comparisons.
Plan F remains closed to new Medicare beneficiaries (only available if you were eligible before 2020).
Plan G continues to rise in popularity as the most comprehensive option for new enrollees.
Telehealth and wellness perks are increasingly included as “bonus” benefits by some providers.
Step-by-Step: How to Compare Medicare Supplement Plans in 2025
1. Know What You Need
Are you someone who sees doctors often? Do you travel frequently? Are you trying to keep monthly costs low? Your answers will help you narrow down which plan fits your lifestyle.
2. Understand the Plans
Here’s a quick cheat sheet:
Plan Good For Covers Part B Deductible?
Plan G Comprehensive coverage ❌
Plan N Lower premiums, some copays ❌
High Deductible G Lowest premium, high risk ❌
Plan A Basic protection ❌
Plans C and F are only available if you were eligible before 2020.
3. Get Quotes from Multiple Providers
Even though the coverage is standardized, prices vary—sometimes by $50 to $100+ a month for the same plan.
Tip: Get at least 3 quotes from trusted providers. Make sure you’re comparing:
Monthly premium
Rate increase history
Household discounts
Customer reviews
Financial stability of the insurer
4. Don’t Forget About Drug Coverage
Medigap doesn’t include prescription drugs. You’ll need to buy a separate Part D plan for that. Make sure your medications are covered under the drug plan’s formulary.
Bonus: Medigap vs. Medicare Advantage—Which One Is Better?
It depends on your priorities.
Medigap gives you more freedom to choose doctors nationwide and predictable costs.
Medicare Advantage (Part C) often includes extras like vision and dental, but you’re limited to networks and may pay more out-of-pocket when you use services.
You can’t have both, so weigh your options carefully.
When Should You Enroll in Medigap?
Your best opportunity is during your Medigap Open Enrollment Period—a 6-month window medigap that starts the month you’re 65 and enrolled in Part B.
During this time:
You can’t be denied coverage
You’ll get the best rates
There’s no medical underwriting
Miss this window? You can still apply later, but insurers may charge more or deny you based on your health.
Final Thought: Make Medigap Work for You
Choosing a Medicare Supplement Plan in 2025 doesn’t have to be confusing. The key is to understand your personal needs, compare quotes carefully, and choose a plan that offers peace of mind without breaking the bank.