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What is the Most Popular Medicare Supplement Plan

With so many options, you might be wondering which Medicare Supplement plans are the most popular in 2021. Below, we’ll go over the plans so you’re better prepared for the upcoming year.

Which Medigap Plans Are the Most Popular?

The most popular Medigap plans are Plan F, Plan G, and Plan N. High-Deductible versions of Plan F and Plan G are also available.

Plan F

Plan F is the most comprehensive Medigap plan. It covers the Part B deductible and everything covered by Plan G. After Medicare pays its share, Medigap Plan F pays the rest.

This leaves beneficiaries with $0 out-of-pocket expenses. Enrollees pay a monthly premium, but they don’t need to pay deductibles or copays. Plan F includes full benefits and provides proper coverage for beneficiaries who require treatments for chronic conditions.

An excellent choice for those who:

  • Frequent doctors’ offices and hospitals
  • Live in a state that allows excess charges (if your state allows excess charges, it doesn’t mean your doctor charges them)
  • Often travel outside the United States

Plan G

Plan G is similar to Plan F. However, with Plan G, beneficiaries are responsible for the Part B deductible.

A wise option for those who:

  • Prefer predictable out-of-pocket hospital costs and rate increases
  • Reside in a state that allows excess charges
  • Enjoy traveling outside of the United States

A high-deductible version of Plan G became available this year. It is a replacement for High Deductible Plan F. High Deductible Plan F provides identical benefits to standard Plan F (as well as a higher deductible that the beneficiary must pay in exchange for the lower premium).

Both standard and High Deductible Plan F are no longer available to newly eligible beneficiaries. Any Medicare-eligible beneficiary, regardless of when they become eligible, can enroll in High Deductible Plan G.

A more affordable option for those who:

  • Want the same benefits as the standard version
  • Are not happy with the premium of the standard version
  • Occasionally have doctor appointments and visit hospitals
  • Enjoy traveling outside the United States
  • Live in a state that allows excess charges

Plan N

Plan N is one of the most popular Medicare Supplement plans for all beneficiaries.

A popular option for those who:

  • Wish to keep their monthly premiums comparatively low
  • Are accepting small copayments
  • Live in a state that does not allow excess charges, or are otherwise not worried about them

This plan requires beneficiaries to pay small copayments. For example, $20 for a doctor visit and $50 for an emergency visit. There are no copays required if you visit a local urgent care facility. However, excess charges are not covered by this plan. This will not be a concern for you if live in a state that does not allow excess charges. The states that prohibit Part B excess charges are as follows: ConnecticutMassachusettsMinnesotaNew YorkOhioPennsylvaniaRhode Island, and Vermont. If you want a lower premium and are comfortable with more copayments, this plan could work well for you.

What is the Most Popular Medigap Plan?

In the past, Plan F was the most popular of the Medigap plans. Now that it’s no longer available to newly eligible beneficiaries, Plan G is gaining popularity. It also makes more financial sense to many beneficiaries.

How to Compare Rates for the Most Popular Medigap Plans

You can compare Medigap plans by filling out our online rate form or giving us a call, regardless of when you became Medicare-eligible. We'll help you find the best letter plan and carrier for your health and budget needs.

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Jagger Esch

Lindsay Malzone 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.

4 thoughts on “What is the Most Popular Medicare Supplement Plan

    1. Hi Larry! Plan F is first-dollar coverage. Meaning, the only out of pocket costs you have to worry about is your monthly premium. You pay nothing when you visit the doctor or hospital. If you drop Plan F, you’ll be responsible for 20% of all your outpatient medical costs, as well as the deductibles that fall under both Part A and Part B. If you’re healthy now, but get sick later, you may not be able to get another Medicare Supplement plan due to pre-existing conditions. If you’re trying to drop your monthly premium, and are okay with paying the Part B premium and/or copays, I would consider looking into either Plan G or Plan N. Give us a call and we can help! We may be able to find you a carrier that offers Plan F at a lower rate.

  1. Can you give me information on Accendo. Parent is Aetna but this is a new insurance company from only last not any track record. I was talked into this for this year but am having second thoughts. because it has been hard to get hold of my agent on the 800 number. I could cancel within 30 days but it is to start on Dec. 1, so too late to change really, but would like your comments. The fact that it is a little cheaper than Aetna and wondered if I should be concerned. I wonder if you have also heard of which insurance co. have a reputation of taking rate increases twice a year- one on the policy date and one for “Inflation”. Just trying to get all the factsI. need. I would like a local agent but don’t know of any in Texas for Accendo. Would you know of some? What can you tell me? I am on Plan G. Doesn’t this meant that all hospitals will take this if have problems down the road and want to go to one of the top hospitals like Mayo? Would you yourself tell me which company you would go with for a just tured 80 year woman with good health.

    1. Hi Linda! The most important thing to remember with Medigap is the benefits are standardized by the federal government. This means that regardless of what carrier you enroll with, the benefits are the same. It does not matter if you enroll with Accendo or Aetna, the plan benefits are the exact same. The only thing that will be different is the monthly premium. Plan G is great, I would recommend keeping that plan. Now, you can compare Plan G with other carriers to see if you can find a cheaper premium. As long as the hospital accepts Medicare, they will accept your Medigap plan. (Unlike Medicare Advantage plans) The Mayo Clinic does accept Medicare. Right now, carriers are giving a zero or reduced rate increase due to the pandemic. However, the full rate increase will still kick in mid-year. Normally, you only have one rate increase per year. If you give us a call or complete our rate form, we can see what other carriers offer Plan G in your area and compare the premiums side by side to see if we can find a cheaper one for you!


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