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Best Medicare Supplement Plans in 2021

When it comes to finding the best Medicare Supplement plans for 2021, there’s no one size fits all option. Many different factors go into deciding which Medicare Supplement plan is the best. Below we’ll go over the best Medicare Supplement plans today, including Plan N, Plan G, and Plan F.

The Best Medicare Supplement Plans for 2021

Pay Less Now, and More As You Go With Plan N

The first supplement plan we’re going to talk about is Plan N. Even though Plan N isn’t as popular as other letter plans, it’s one of the Medigap plans we enroll our clients in the most.

The reason this plan makes this list is due to its lower premiums. The only benefits Plan N doesn’t cover are the Part B deductible and any excess charges.

The reason the monthly premiums for Plan N are lower is because of the copays. In exchange for a lower monthly premium, you agree to pay a $20 copay at the doctors’ office and a $50 copay at the emergency room.

Tip: Over 90% of doctors accept Medicare and won’t charge excess charges. Some states don’t even allow excess charges.

Find Balance in Premium and Copays With Plan G

The next best Medigap plan we’re going to mention is Plan G. With Plan G, you’ll get the same benefits as Plan N plus coverage for any excess charges.

Also, you won’t have to pay those small copays that Plan N requires you to pay. In exchange for not having to pay a small copay every time you visit the doctors or hospital, you agree to pay a slightly higher monthly premium.

For many years, Plan G has been the runner-up plan to Plan F. This is because Plan F checks off the final box on the benefits list.

Forget Copays, Just Pay Your Premium with Plan F

Plan F is the all-inclusive Medigap plan. It leaves you with zero out of pocket costs. It covers the Part A and B deductible.

With Plan F, you won’t ever spend a dime on any medical services outside the premium. But, the legislation didn’t like this. So, they proposed Medicare changes and discontinued Plan F to those newly-eligible after 2020.

High Deductible Plan Options For the Savers and Risk Takers

There are also two high deductible plan options. Both Plan G and Plan F have a high deductible version. These versions have the same benefits as the standard plans, with the only difference being the deductible.

Both high deductible versions of Plan G and Plan F have a deducible of $2,340 per the calendar year. In exchange for having a high deductible, your monthly premiums will be significantly less than compared to the standard versions.

You must be eligible for Plan F to be eligible for High deductible Plan F. But, all Medicare beneficiaries are eligible for High Deductible Plan G.

How to Determine the Best Medigap Plan for You in 2021

Trying to identify which option is the best is difficult when you don’t know the exact premium ratings in your area. For some, Plan N could make the most sense.

But, for others, Plan G could be superior coverage. Many factors go into play; consulting an agent for advice and direction is our recommendation.

Frequently Asked Questions

Is Plan F the best Medicare Supplement plan?
Plan F is known as the best plan due to it being the most comprehensive coverage option. With supplement plans, the best choice for one individual may not be the best plan for another. The best Plan F would be the one that has the lowest premium in your area.
How do I find the best Medigap insurance plans?
Contact an agent that you can trust to provide you a non-biased quote with all carriers in your area. It’s best to use an agent working with multiple companies, then build a relationship with one agent and have access to various insurers. Our agents are 100% non-biased if you want a plan with Mutual of Omaha; that’s okay! If you prefer Aetna, that’s fine too.
What's the next best Medigap plan after Plan F is discontinued?
For those newly Medicare-eligible, the next most comprehensive Medigap would be Plan G. Further if you’re looking for the next best option compared to high-deductible Plan F, then you would want to look into high deductible Plan G. But, it’s important to remember those options may not be the best for YOU. Consider the things you find most important in your coverage, and go from there.

How to Get Help Finding the Best Medicare Supplement Plan

There are way too many factors, many not included here, that you need to take into account when enrolling in the best Medicare Supplement plan. Don’t settle for just okay coverage when you’ve been paying into Medicare your entire life.

Compare the best plans for each type of supplemental coverage today. Our services are 100% free; we never enroll our clients in a policy that we wouldn’t enroll our family in. We genuinely care about your Medicare. Enroll in the best Medicare Supplement plan for you today. Give us a call at the number above. Or, compare rates now using our online rate comparison form.

Lindsay Engle

Lindsay Engle is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.

8 thoughts on “Best Medicare Supplement Plans in 2021

  1. Is it possible to have the insurance information sent to you by mail. My computer is not reliable and information may be lost.

    1. Beverly – It’s not so much the “Plan(s)” that offer Silver Sneakers. Its the carrier(s) that would offer this to you. It’s all dependent on where you live. Some Medigap carriers offer them in certain states where in other states they may not. Please give us a call and we would be happy to let you know the carrier(s) that may offer it in your state.

    1. Hi Lillian – Yes, there are a number of carriers that offer either Silver N Fit or Silver Sneakers. Give us a call and we can let you know what carriers do and the rates that go along with it. Our services are 100% free to you.


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