Medicare Supplement Plan G Leads Post-Plan F as Top Medigap Choice in 2025

Medicare Supplement Plan G, known as Medicare Part G, has become the leading Medigap plan for seniors seeking comprehensive coverage beyond Original Medicare. Since the discontinuation of Plan F for new enrollees after 2020, Plan G offers the most extensive coverage available, covering almost all out-of-pocket costs except for the Medicare Part B annual premium, which is set at $257 for 2025. This plan is sold by private insurers and is favored for providing predictable healthcare expenses for retirees. The plan includes coverage for coinsurance, copayments, and deductibles associated with Medicare Parts A and B, alleviating significant financial burdens from hospital stays and medical visits. Premiums for Plan G vary based on location, age, and health status, typically ranging from $117 to $324 monthly in 2025. An alternative High-Deductible Plan G offers lower monthly premiums between $40 and $100 but requires a $2,870 annual deductible before benefits commence. For example, during a $10,000 doctor's visit covered under Part B, Plan G users are responsible only for the annual premium, with the plan covering remaining coinsurance and deductibles. Health professionals highlight Plan G’s comprehensive benefits and accessibility, deeming it especially suitable for Medicare beneficiaries with ongoing healthcare needs who prefer steady health expenses. While cheaper plans exist, Plan G's coverage breadth makes it a preferred choice for retirees aiming to minimize surprise medical costs during retirement. Overall, Medicare Plan G represents a significant shift in Medigap offerings post-Plan F, standing out as a robust option for ensuring consistent healthcare financial protection in 2025 and beyond.