When people first start learning about Medicare Supplement (Medigap) plans, they usually have one main question in mind. They want to know which plan will cover the most and give them the best protection overall.

Below, this Medicare Supplement broker in Boone Grove, Indiana is going to explain which plans typically offer the most coverage, and we’ll also explain how your options might change depending on when you first became eligible for Medicare.

Some plans cover more than others, but not all plans are still available to everyone.

Over time, Medicare Supplement plans have changed. A few years ago, Plan F was the clear choice. If you were eligible for Medicare before 2020 and signed up for Plan F, you had what many people saw as the best plan out there.

Plan F covered almost all the costs Medicare did not. It even paid for the Part B deductible. This meant that beneficiaries had very few medical bills to worry about.

However, in 2020, the rules changed because of a law passed back in 2015 (the Medicare Access and CHIP Reauthorization Act). Starting January 1, 2020, new Medicare members could no longer enroll in Plan F or Plan C.

If you were eligible for Medicare before that date, you can still enroll in Plan F if it is available in your state. And if you already have Plan F, you can keep it. You will continue to get the same coverage as long as you keep paying your monthly premium. But if you became eligible for Medicare on or after January 1, 2020, you cannot choose Plan F.

If you did not qualify for Medicare before 2020, you still have other good options. A knowledgeable Medicare Supplement broker in Boone Grove, Indiana can explain the best available plans based on when you became eligible and the level of coverage you want.

Today, Plan G offers the most coverage for new enrollees.

If you are signing up for Medicare now or became eligible on or after January 1, 2020, Plan G is the most complete option you can get. Plan G covers almost everything that Plan F once did. The one thing it does not cover is the Medicare Part B deductible, which is $257 as of 2025.

Other than that, Plan G will cover many expenses that Medicare leaves out, including hospital bills, skilled nursing care coinsurance, emergency care while traveling abroad, and more.

For many people joining Medicare today, Plan G provides the best protection and makes healthcare costs more predictable. That is why it has become such a popular choice in the past few years.

An experienced Medicare Supplement broker in Boone Grove, Indiana can help you compare Plan G rates from different insurance companies. They can also explain exactly how the plan works so you can feel more confident in your choice.

A quick word about Plan N.

Some people consider Plan N because the monthly premiums are usually lower. The low cost can certainly be appealing, but there is a trade-off.

Plan N is cheap because it leaves out some important benefits, like coverage for Medicare Part B excess charges. It also requires small copayments for some doctor visits and emergency room visits.

For some people, this is okay. For example, if you are mainly focused on keeping your monthly costs low, Plan N can be good for you. However, if you want the highest level of coverage, Plan G (or Plan F if you were eligible before 2020) might better suit your needs.

This is another reason to talk to an experienced Medicare Supplement broker near you. They can help you look at the pros and cons of each plan so you can choose what’s best for your health and budget.

Looking for a Medicare Supplement Broker in Boone Grove, Indiana?

Are you ready to partner with a Medicare Supplement broker in Boone Grove, Indiana who can help you find a plan that maximizes your coverage? If so, our agents at Senior Care Insurance Services are the people to call. Contact us today to begin the process.