Alyssa Lane
Medicare supplement insurance, also known as Medigap, is an extra insurance policy that can be purchased from a private health insurance company to cover costs that Original Medicare (Parts A and B) does not. Medigap policies do not cover healthcare costs for the policyholder's partner, so each person must purchase a separate policy. There is no average or estimated price for any Medigap plan, and the cost of a plan varies by state, health condition, insurance company, and other factors. However, in 2025, Medigap Plan G costs an average of $159 per month for a 65-year-old woman who doesn't smoke, and a high-deductible Plan G policy costs an average of $49 per month. Plan G is the most popular choice among all Medigap plans, as it covers nearly all of the costs with Original Medicare.
| Characteristics | Values |
|---|---|
| Plan type | G, F, C, N, K, L, A, B, D, F+, G+, M |
| Popularity | Plan G is the most popular |
| Cost | Averages at $148 per month, $159 for Plan G |
| Discounts | Discounts for women, non-smokers, married people, yearly payments, electronic funds transfer, multiple policies, health and wellness programs |
| Availability | Availability varies by state, AARP available in all 50 states |
| Coverage | Plan G covers nearly all costs with Original Medicare, Plan F costs $480 more per year than G, Plan F and C have better coverage than G |
| Switching | Switching plans is difficult, so the right plan should be chosen when first signing up |
| Companies | Cigna, UnitedHealthcare, Mutual of Omaha, State Farm, Wellabe, Anthem |
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What You'll Learn
Plan G is the most popular Medigap plan
Medicare Supplement Plan G, or Medigap Plan G, is the most popular Medicare Supplement Insurance plan available to any Medicare member in the US. It is also the highest-coverage plan available for new Medicare members. Plan G accounts for nearly four in ten of all Medigap plans sold, making it the most popular choice among all Medigap plan letters.
Medigap Plan G is popular among beneficiaries because of its comprehensive coverage. It covers almost all Medicare cost-sharing, including Part A deductibles, coinsurance, copayments, and 100% of doctor charges that Medicare does not pay. Doctors and other healthcare providers must accept a Medigap Plan G if they accept Original Medicare. Medicare beneficiaries can use their Plan G policy across the US since Medigap plans do not have network limitations.
There are two types of Plan G: regular and high deductible. The high-deductible version of Plan G covers the same benefits as the regular Plan G, but a person must pay the plan's deductible before the plan begins paying benefits. In 2025, the deductible comprises both parts A and B deductibles and Part B coinsurance until $2,870 is reached. Once a person spends this amount, Medigap Plan G will start to cover all services in full for the rest of the year. A high-deductible Plan G policy costs just $49 per month, on average.
Medigap Plan G premiums vary depending on the insurance company, where a person lives, age, sex, and lifestyle. For example, premiums for a 65-year-old female nonsmoker range from $119 to $321 per month in Atlanta. Medigap Plan G costs an average of $159 per month for a 65-year-old woman who doesn't smoke.
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Plan F is more expensive than Plan G
Medicare supplemental health insurance plans, also known as Medigap plans, are optional plans from private health insurers that help pay for out-of-pocket expenses that Original Medicare may not cover. Medigap plans may also cover emergency healthcare if a person needs treatment outside of the United States. However, these policies do not cover long-term care, private-duty nursing, hearing aids, or routine dental or vision care, including eyeglasses.
Plan F and Plan G are two of the most comprehensive Medicare Supplement Insurance plans. Plan F offers the most coverage, but it is not available to everyone. Plan G, on the other hand, is available to any Medicare member and covers nearly as much as Plan F. Both plans F and G also offer a high-deductible Medigap plan in some states. The main difference between the two plans is that Plan F covers the Medicare Part B deductible of $257, while Plan G does not.
Since Plan F covers more than Plan G, it also costs more. On average, Plan F costs $480 more per year than Plan G. This means that you may spend more money than you would save with Plan F. However, if you rarely visit the doctor, a cheaper Medicare Supplement plan may be a better option.
When choosing a Medigap plan, it is important to consider your health and budget. Additionally, it is worth noting that the premium amount is the only difference between policies with the same plan letter sold by different companies. Therefore, it is essential to compare Medigap plans with the same letter to find the best option for your needs.
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Medigap plans are automatically renewed yearly
Medigap plans, also known as Medicare Supplement Insurance, are a form of health insurance sold by private insurance companies to fill the gaps in Original Medicare Plan coverage. Medigap policies help pay some of the healthcare costs that the Original Medicare Plan does not cover. As long as you pay your premium, your Medigap plan is guaranteed to be automatically renewed each year.
When you buy a Medigap policy, you'll keep it as long as you pay your Medigap premiums. Your coverage will continue year after year as long as you pay your premium. However, it is important to note that Medigap plans sold after 2005 do not include prescription drug coverage. If you want prescription drug coverage, you will need to join a separate Medicare drug plan (Part D).
The benefits in each lettered Medigap plan are the same, no matter which insurance company sells it. The premium amount is the only difference between policies with the same plan letter sold by different companies. There can be big differences in the premiums that different insurance companies charge for the same coverage, so be sure to compare Medigap plans with the same letter. For example, compare Plan G from one company with Plan G from another company.
When choosing a Medigap plan, it is important to consider your health and budget. Think about how much medical care you need, how often you go to the doctor, and how much you can afford to pay toward your medical bills yourself. Medigap Plan G is a popular choice, as it covers nearly all of your costs with Original Medicare. However, it is important to compare the costs and benefits of different Medigap plans to find the best option for your needs.
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Plan N covers 100% of Part B services
Medicare is federal health insurance for anyone aged 65 and over, as well as some people under 65 with certain disabilities or conditions. There are several parts to Medicare, including Part A (Hospital Insurance), Part B (Medical Insurance), Part C, Part D, and Medigap.
Part B of Medicare helps cover two types of services: medically necessary services and preventive services. Medically necessary services are those that meet accepted standards of medical practice to diagnose or treat a medical condition. Preventive services are healthcare services that prevent illness (e.g. the flu) or detect it at an early stage when treatment is most likely to be effective.
Medigap, or Medicare Supplement Insurance, is designed to cover some or all of the remaining costs that Original Medicare (Parts A and B) does not cover. For example, with Original Medicare, you are responsible for paying roughly 20% of your hospital bills. A Medigap plan can cover some or all of these costs, depending on the specific plan.
Plan N is a type of Medigap plan that covers 100% of Part B services. While Plan N may not be the absolute cheapest Medicare Supplement Insurance plan available, it does offer comprehensive coverage for Part B services. The specific benefits of Plan N can vary depending on the insurance company providing it, but the core benefits of each lettered plan are the same across companies. The premium amount is the main difference between policies with the same plan letter sold by different companies.
When considering which Medicare Supplement Insurance plan to choose, it is important to think about your health needs, how often you visit the doctor, and your budget. If you require regular medical care and visit the doctor frequently, choosing a plan like Plan N that covers 100% of Part B services may be a more cost-effective option in the long run, despite a higher monthly premium.
Some insurance companies that offer Medigap plans include AARP, Humana, Allstate, and Aflac. When choosing an insurance company, it is worth considering factors such as customer service, reputation, and the range of plans available. Additionally, be sure to compare the estimated costs of different Medigap plans in your area and contact the insurance company for a more accurate price quote.
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Cigna offers premium discounts of up to 20%
When it comes to Medicare Supplement Insurance plans, Cigna offers premium discounts of up to 20%, plus an additional 5% if you apply online. This means you can save up to 25% with Cigna Healthcare. These discounts are available for new Medicare Supplement policyholders without an active policy in the last 90 days. If you're 65 or older and enrolled in a Medicare Part B plan, you can enrol at any time during your 6-month open enrolment period.
Cigna's Medicare Supplement Insurance plans, also known as Medigap plans, offer competitive premiums without compromising your coverage. The specific premium and benefits you receive will depend on the plan you select. Cigna also offers a household discount of up to 7% for Medicare Supplement Insurance policies in most states. This discount is applicable if you live with a friend, legal spouse, civil union partner, domestic partner, child, grandchild, relative, or non-relative who is over the age of 18. Additionally, Cigna provides a 6% discount for their CNHIC and some CHLIC Medicare Supplement Insurance policies for those living with someone.
It's important to note that Cigna's discounts are not available in all states. Currently, the discounts are not offered in Connecticut, Washington D.C., Florida, Massachusetts, New Jersey, New York, Ohio, Oregon, and Vermont.
When considering Medicare Supplement Insurance plans, it's advisable to compare plans with the same letter across different companies, as the benefits are standardised. For example, compare Plan G from Cigna with Plan G from another company. Additionally, take into account factors such as consumer complaint rates, availability and size of premium discounts, online price quote availability, and the range of Medigap plan types offered.
Medigap plans supplement your Original Medicare (Parts A and B) by covering some or all of the remaining costs. Without a Medigap plan, you may be responsible for paying approximately 20% of your hospital bills. The best Medicare Supplement plan for you will depend on your health needs and budget.
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Frequently asked questions
A Medicare supplement plan, also known as Medigap, is extra insurance that can be purchased from a private health insurance company to help pay for costs that Original Medicare (Part A and Part B) do not cover.
The cheapest plan depends on your health and budget. Plan G is the most popular choice, covering nearly all costs with Original Medicare, but a high-deductible Plan G policy costs just $49 per month, on average. Medicare Supplement plans cost $148 per month, on average, in 2025.
The cost of a Medigap plan depends on the state, health condition, insurance company, and other factors. Insurance companies may offer discounts for women, non-smokers, married people, yearly payments, and electronic funds transfers.
