Best Medicare Supplement Plans

Seniors who have signed up for Original Medicare have coverage for a large portion of their medical expenses, but they may still need additional coverage. Many seniors find that they can get that coverage with Medigap plans. The best Medicare Supplement plans (or Medigap) are available from numerous insurance providers, and we want to detail those for you here. That way, you can understand what your options are and choose the most appropriate coverage plan for yourself.

The Top Plans

There are a few Medicare Supplement plans for 2019 that stand out from all the rest. These are the high coverage ones that the majority of seniors sign up for, and they are coverage plans that every Medicare subscriber should know about. They are already saving people a lot of money on their medical bills, and they could save you money as well.

medicare supplement plans 2019


Plan F- Medicare Supplement Plan F is a full coverage plan, which means that it will cover you for every supplemental expenses. That’s a lot of coverage, and it includes cover for all of your deductibles and co-payments for both Medicare Part A and Medicare Part B. These are expenses you are left to pay out of pocket if you only have Original Medicare. Plan F takes care of them for you. It also covers you for Part B’s excess charges, nursing care coinsurance, the blood you use each year (for as much as three pints) and much of the cost of being transported to a medical facility outside US borders in the event of an emergency.

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Plan G- This is nearly a full coverage plans, and it takes care of the cost of a lot of supplemental expenses for it. It’s comparable to Plan F in a lot of ways, and the only difference in coverage between these two plans is the coverage for Medicare Part B’s deductible. Plan F will cover that cost and Plan G will not. That means that Plan G is cheaper than Plan F, and it can actually save you money in the long run, since the Part B deductible is not a major expense.

Plan N- This high coverage plan covers most of what the other two plans cover. There are only a few supplemental expenses not covered by this plan. Here is what will not be covered if you go with Plan N as your preferred Supplement plan:

  • Medicare Part B excess charges
  • Medicare Part B deductible
  • Small copayments of $20 and $50 for various visits to medical facilities.

These three plans cover most of your medical expenses not already covered by Original Medicare. There may be some other expenses you have to pay out of pocket, but they should not be significant. You can be mostly covered with one of these plans and have peace of mind about your medical costs. If you are experiencing a lot of out-of-pocket costs, then please consider one of these popular plans and what they can do for you.

Why These Are the Best

There are lots of different Medicare Supplements, so what makes these so special? The reason these are considered the best Medicare Supplement plans is because they meet the needs of most seniors who require some additional coverage. If Original Medicare just isn’t cutting it for you, then you probably need some significant additional coverage, and that’s exactly what these plans provide. They cover mostly common costs too, and not just things that you are unlikely to need coverage for. The average person will have to pay most of these expenses for themselves at some point, so the coverage is relevant for the majority of seniors.

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These plans also offer the most coverage at a decent price. If you compare them to other Supplement plans or other types of coverage plans, such as Advantage plans, then you will see that these three plans have a lot of bang for your buck. In other words, you are getting a lot of value for what you are paying for, and that’s important for any senior who is looking for some extra coverage. They want to know that they are being taken care of and not taken advantage of. Supplement plans tend to have low rates, corporately speaking, and they don’t exist on a network, so you can be covered by the Supplement plans you signed up for pretty much anywhere, no matter which insurance company you signed up with. That’s very reassuring for seniors, especially those who live in areas where medical facilities are few and far between. There may not be much choice as to where they can get care from, and they need plans that can handle that kind of situation.

Compare to Find the Right One

It is essential that you compare the plans among each other. We can’t tell you what the best plan is for you, because we are not aware of what your situation is. There isn’t a best plan that is right for everyone. Instead, you need to compare the available plans, and even the ones that we didn’t cover here, and then see which one matches up best to your needs. The Supplement plans that Medicare has come up with are varied and designed to meet a wide range of needs, so no matter what your situation, there is probably a suitable plan for you.

You can use an online quote comparison service to quickly and easily compare the plans. You can find out what the rates are on individual plans from a number of different insurance providers. That’s a fast and simple way to get the best deal and ensure that you are not being taken advantage of. By doing this, you are making sure you get value for your money and that you are not paying more than is necessary for the coverage that you need.

Make use of online comparison tools and services to find the best Medicare Supplement plans for your situation at the best price. Even individual plans, like Plan F, should be compared, since they come in a range of different prices, even though the coverage stays the same.


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