When it comes to retirement healthcare, Medicare provides a strong foundation. However, Original Medicare (Parts A and B) doesn’t cover everything—beneficiaries are still responsible for deductibles, copayments, and coinsurance. That’s where Medicare supplements (Medigap plans) come in.
But with multiple policies available, many people ask: Which Medicare supplement plan is the best? In this guide, we’ll explain how to compare Medicare supplement policies, outline the most popular Medigap options, and help you decide which policy fits your needs in 2025.
What Are Medicare Supplements?
Medicare supplement insurance (Medigap) is private health insurance designed to cover the costs that Original Medicare doesn’t. These policies are standardized nationwide (except in Massachusetts, Minnesota, and Wisconsin), meaning each plan with the same letter offers identical benefits, no matter which insurer sells it.
You must have Medicare Part A and B to buy a supplemental policy.
You pay a monthly premium in addition to your Part B premium.
Plans don’t cover prescription drugs—you’ll need a separate Part D plan.
Medigap policies are renewable as long as you pay your premium.
Why Compare Medicare Supplements?
Not all Medicare supplemental policies are the same. Choosing the right one depends on:
Your healthcare needs (frequent doctor visits, hospital stays, chronic conditions).
Your financial situation (ability to afford higher premiums vs. cost-sharing).
Lifestyle factors (traveling abroad, needing nationwide coverage).
By comparing Medicare supplements, you can balance affordability with comprehensive protection.
Best Medicare Supplement Policy Options in 2025
Here’s a breakdown of the most popular plans to consider:
1. Medicare Supplement Plan G
The most comprehensive plan available for new beneficiaries.
Covers all costs except the Part B deductible.
Ideal for those who want strong financial protection with minimal out-of-pocket expenses.
2. Medicare Supplement Plan N
Offers lower compare medicare supplement policies monthly premiums than Plan G.
Requires small copayments for doctor visits and ER visits.
A good fit for generally healthy individuals who want savings on premiums.
3. Medicare Supplement Plan F (Closed to new enrollees)
Once the most popular plan, covering 100% of Medicare-approved costs.
Only available if you were eligible for Medicare before January 1, 2020.
Still a strong choice for those who already have it.
4. Medicare Supplement Plan K and Plan L
Partial coverage plans with lower premiums.
Include annual out-of-pocket limits for protection.
Best for those who want to save money but are comfortable with some cost-sharing.
Medicare Supplement Comparison Chart (Simplified)
Plan Covers Part A Coinsurance Covers Part B Coinsurance Covers Part A Deductible Covers Foreign Travel Monthly Premiums Best For
G ✔ ✔ ✔ ✔ Higher Comprehensive coverage
N ✔ ✔ (with copay) ✔ ✔ Moderate Budget-conscious, healthy individuals
F ✔ ✔ ✔ ✔ Highest Pre-2020 enrollees, max coverage
K 50% 50% 50% ✘ Low Low premiums, partial coverage
L 75% 75% 75% ✘ Low Moderate coverage at reduced cost
Tips for Choosing the Right Medicare Supplement Policy
Evaluate your health history – Frequent doctor visits may justify a higher premium plan.
Set a budget – Compare monthly premiums with potential out-of-pocket costs.
Check insurer stability – Premiums and customer service vary, even if benefits are standardized.
Consider travel needs – If you plan to travel abroad, look for plans with foreign coverage.
Buy during Open Enrollment – The best time to purchase is during your 6-month Medigap Open Enrollment Period, when acceptance is guaranteed.
Medicare Supplements vs. Medicare Advantage
When comparing Medicare supplements, it’s also important to know the difference between Medigap and Medicare Advantage (Part C):
Medigap (Supplement Plans): Work with Original Medicare, allow nationwide access, cover gaps in costs.
Medicare Advantage: Replace Original Medicare, often include prescription drugs and extras like dental/vision, but use provider networks.
Your choice depends on whether you value nationwide flexibility (Medigap) or bundled benefits (Advantage).
Final Thoughts
Comparing Medicare supplement policies is the key to finding the right plan for your health and budget. While Plan G is the most comprehensive and widely chosen option, Plan N offers a balance of coverage and affordability. Plans K and L may appeal to cost-conscious retirees who are comfortable sharing expenses.
Ultimately, the best Medicare supplement insurance is the one that fits your unique medical needs, financial goals, and lifestyle. By making an informed decision today, you can ensure peace of mind and reliable healthcare protection in the years ahead.