There are ten Medigap plans that are available, each labeled with a letter (A through N). On paper, they might all look similar, but if you look closer, you’ll see the differences. Some Medigap plans are basic and budget-friendly, while some cover just about everything Original Medicare does not.

But which Medigap plans do most people choose, and why? Well, some plans have become clear favorites over the years. These are the ones that give people that balance between price and coverage.

Below, this Medicare Supplement broker in Chesterton, Indiana is going to explain which Medigap plans are most popular right now, and why they’ve earned that popularity.

Is Plan G the best Medigap plan you can buy?

Plan G is the most comprehensive Medigap plan available to anyone who became eligible for Medicare after January 1, 2020. It covers nearly all the costs that Original Medicare does not, like coinsurance, copayments, and other out-of-pocket expenses. The only thing it does not cover is the small Medicare Part B deductible, which is $257 in 2025.

People love Plan G because it is predictable. You know what your premium is each month, and you are not facing surprise medical bills later.

While the benefits of Plan G are standardized across all insurance companies, the premiums are not. This is where working with a trusted Medicare Supplement broker in Chesterton, Indiana can pay off. They can compare rates from different companies and help you find the sweet spot between strong coverage and a comfortable monthly cost.

Why are more retirees switching to Plan N?

If Plan G is the all-around favorite, Plan N is the runner-up. It is the one people pick when they want good coverage without paying a lot.

Plan N has earned a loyal following among retirees who are healthy and active. With this plan, you will pay small copayments for doctor visits (usually up to $20) and slightly higher copayments for ER visits (around $50, unless you are admitted). You are also responsible for any Part B excess charges, though most doctors don’t bill those these days.

For many people, those little out-of-pocket costs are a fair trade-off for a noticeably lower monthly premium. You are still covered for hospital stays, surgeries, skilled nursing, etc. But you are not paying extra for coverage you might rarely use.

And just like with Plan G, the benefits under Plan N are standardized but the prices are not. One company might charge a lot more than another for the same coverage. Again, your local Medicare Supplement broker in Chesterton, Indiana can help you understand the trade-offs and pick the best plan for your needs.

Could High-Deductible Plan G be better if you want to save money?

If you like Plan G but wish it came with a smaller monthly bill, you could consider High-Deductible Plan G. It works just like regular Plan G, but there is one difference.

You pay a much lower monthly premium, and in exchange, you agree to cover your own Medicare costs until you hit a yearly deductible. After that, the plan pays just like a standard Plan G would.

For 2025, that deductible is $2,870. Once you have met it, you are covered for nearly all out-of-pocket costs for the rest of the year.

High-Deductible Plan G is ideal for people in good health who rarely visit the doctor or those who just prefer a lower monthly payment.

And, as always, premiums vary depending on the company you buy from. Your local Medicare Supplement broker can show you how much you would save in premiums each year with the high-deductible version, and if that trade-off makes sense based on your health and budget.

Looking for a Medicare Supplement broker in Chesterton, Indiana?

If you are looking for a Medicare Supplement broker in Chesterton, Indiana who can help you compare Plan G, Plan N, and the High-Deductible options, Senior Care Insurance Services is the top choice. Our agents work with top-rated insurance companies and will take the time to explain all of your options. Contact us today to discuss your options.