The cheapest Medigap plans by premium are typically Plan K, Plan L, and Plan N, which have lower monthly costs in exchange for higher out-of-pocket expenses like copays or coinsurance for certain services, with Plan K generally offering the lowest premiums but only covering 50% of some benefits. However, the "cheapest" plan depends on your health, as Plan G offers excellent value for broader coverage after the Part B deductible, while High-Deductible Plan G can also be very affordable for healthy individuals.
Medigap Plan K — the lowest-cost Medigap plan, with 50% coverage for most benefits. Starts at $66. Medigap Plan L — a low-cost option with 75% coverage for most benefits.
Plan G is the most comprehensive Medigap plan available to enrollees new to Medicare on or after January 1, 2020. It is also the only high-deductible Medigap plan available to enrollees new to Medicare on or after January 1, 2020. There is no Plan G option in Massachusetts, Minnesota and Wisconsin.
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This is the 6-month period that starts the first day of the month you're 65 or older and signed up for Part B. After this period, your options to buy a Medigap policy may be limited and the policy may cost more.
Insurance companies set prices for Medigap policies in 1 of 3 ways: Attained-Age Rating — This is the most common way policies are priced in California. Attained age-rated policies increase in price as you age, because as you get older, you typically require more health care.
Medicare Plan G doesn't cover prescription drugs (requiring a separate Part D plan), routine dental, vision, or hearing care, or long-term care, and beneficiaries must first pay the annual Medicare Part B deductible before Plan G starts paying for covered gaps like Part B excess charges and foreign travel emergencies. Essentially, Plan G covers everything Original Medicare doesn't, except for the Part B deductible and services not covered by Medicare at all, like dental, vision, and prescriptions.
Does G-Plans have a membership fee? Yes, G-Plans has a membership fee that starts at $99 per month. It includes telehealth appointments with a doctor, dietician guidance, metabolic test and booklet, weekly updated meal plans and a daily nutrition curriculum.
NerdWallet's top picks for Medigap Plan G in 2025 include AARP / UnitedHealthcare, Mutual of Omaha, Wellabe and Anthem.
Here are some of the biggest Medicare mistakes to avoid:
On average, though, beneficiaries will pay between $90 and $300 per month for mid-level plans like Medicare Plan G or Part N. Below, we'll take a closer look at the typical cost ranges for popular Medigap plans in 2025.
Look for companies with positive reviews and a history of satisfied customers. Ask for Recommendations: Talk to friends, family, or healthcare providers who have experience with Medigap plans. They may be able to recommend reputable companies or share their experiences to help you make an informed decision.
Medicare Plan G is generally better for most people as it offers nearly identical comprehensive coverage to Plan F but with lower premiums, though Plan F is technically more comprehensive by covering the Part B deductible, but it's only available to those eligible for Medicare before January 1, 2020; for those who can get both, Plan G usually offers better overall value by saving money on premiums, making the small Part B deductible (around $283 in 2026) a worthwhile trade-off.
How did Kelly Clarkson lose weight so fast? Her weight loss occurred over several months and was the result of a consistent diet and exercise plan, not an overnight fix. She focused on a protein-rich, plant-forward diet and increased her daily activity by walking frequently.
Iconic G Plan Designs throughout the Years
Once you're enrolled in a Medigap plan, there's no yearly open enrollment period for Medigap plans and you may apply to buy or switch plans at any time. As long as you pay your Medigap premium on time, you can keep your plan indefinitely. There's no yearly open enrollment period for Medicare Supplement (Medigap) plans.
Some of the items and services Medicare doesn't cover include: