Plan G is currently the most popular Medigap plan for new Medicare beneficiaries, chosen by over 53% of new buyers. As a comprehensive, standardized plan, it covers all Medicare gaps except the annual Part B deductible ($257 in 2025), making it the go-to choice for consistent coverage.
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.
NerdWallet's top picks for Medigap Plan G in 2025 include AARP / UnitedHealthcare, Mutual of Omaha, Wellabe and Anthem.
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.
Certain companies increase the premium each year; others increase the premium every 4 years based on age. This results in a much lower premium at younger ages, but a higher premium at older ages.
Best Medicare Supplement Insurance Companies in 2025-2026
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.
Here are some of the biggest Medicare mistakes to avoid:
The "best" Medigap plan depends on your needs, but Plan G is often recommended for new enrollees (post-2020) for comprehensive coverage after the Part B deductible, while Plan N offers lower premiums with small copays for doctor/ER visits. Top companies offering these plans include AARP/UnitedHealthcare, Mutual of Omaha, Anthem, Wellabe, Cigna, and Blue Cross Blue Shield, but the ideal provider offers a strong combination of price, customer service, and financial stability for your chosen plan.
No single Medicare plan pays 100% of everything, but Medigap Plan F (for those eligible before 2020) and Medigap Plan G (most newer enrollees) cover nearly all gaps in Original Medicare after the Part B deductible, paying 100% of approved costs, while Medicare Advantage (Part C) plans have an out-of-pocket maximum, after which they pay 100% of covered services. Other Medigap plans like K, L, or N offer lower premiums in exchange for sharing some costs until an annual limit is met, after which they cover 100%.
Many seniors across the country are experiencing sticker shock in 2025 as premiums for Medicare Supplement (Medigap) plans rise. Across the U.S., many Medigap policyholders are seeing double-digit premium increases, sparking concern and confusion among retirees and their financial advisors.
Medigap policy benefits
You pay a $2,870 deductible in 2025 before Medigap coverage starts. **Plans K and L pay 100% of your Part A and Part B copays after you spend a certain amount out of pocket. The 2025 out-of-pocket maximum is $7,220 for Plan K and $3,610 for Plan L.
Medigap premiums are usually higher than Medicare Advantage, but out-of-pocket costs when you get care are typically much lower. A Medigap plan pays your Part A deductible and some or all of your Part B copays or coinsurance, as well as other Medicare-approved expenses. Additional provider access.
Here are a few common complaints we have heard about Medigap:
Your out-of-pocket costs for cataract surgery with a Medigap plan will depend on the type of plan you have. However, the most popular plan is currently Plan G, which covers all your out-of-pocket costs for the physician and facility except for the $240% deductible as of 2025.
Blue Cross Blue Shield companies have relatively average complaint rates. BCBS members file about 13% more complaints than the average for all Medigap companies. That's according to 2022 to 2024 data from the National Association of Insurance Commissioners (NAIC) [3] .