Medicare Supplement plans help cover the deductibles, copays, and coinsurance Original Medicare doesn't. Here's how the 10 plans compare.
What do Medicare Supplement plans cover?
Medicare Supplement plans cover the gaps in Original Medicare, including the Part A hospital deductible and coinsurance, the 20% Part B coinsurance, the first three pints of blood, and skilled nursing facility coinsurance. The most comprehensive plans, like Plan G, leave you responsible for only the annual Part B deductible. Coverage is standardized by federal law, so each lettered plan provides identical benefits regardless of which insurer you buy from. What you won't get is prescription drug coverage, that requires a separate Part D plan. To see which plan fits your needs and budget, call 1-800-MEDIGAP (1-800-633-4427).
Which Medicare Supplement plan is best?
There's no single best plan, but Plan G is the top choice for most people new to Medicare in 2026 because it covers nearly everything except the Part B deductible. Plan N appeals to those who want a lower premium and don't mind small copays for office and ER visits. High-deductible Plan G offers the lowest premiums for healthy enrollees willing to pay more out of pocket before coverage kicks in. The right fit depends on your health, how often you see doctors, and your budget. A licensed agent at 1-800-MEDIGAP can run a side-by-side comparison for free.
How much do Medicare Supplement plans cost?
Costs depend on the plan letter, your age, ZIP code, gender, tobacco use, and the insurer. Plan G premiums commonly run from about $90 to $300+ per month, but identical coverage can cost very different amounts from one carrier to the next. That price gap is why comparison shopping is essential, there's no benefit to overpaying for the same standardized plan. Call 1-800-MEDIGAP to compare every carrier in your area at no cost.