What is the Best Medicare Supplement Plan for 2021?

Original Medicare is great but it doesn’t cover everything. Kupuna who wish to supplement their Medicare coverage may do so with Medigap insurance that covers some of the costs that Medicare doesn’t such as deductibles, copays and coinsurance. But there is more than one supplemental insurance plan available. If you’re signing up for Medicare, you may be wondering how to compare Medigap policies. Like any insurance plan, the best plan for one is not the best plan for all. Seniors will need to consider their personal medical needs and budgets to determine the right plan. Ultimately, the best choice will fill in the coverage gaps where you personally spend the most on health care with a monthly premium that you can afford.


A caring Medicare agent can walk you through your options and help you choose the right Medigap policy for your needs. Schedule an appointment to discuss Medicare supplement plans today.


What is the best Medigap policy for 2021?

  • For 2021, the best overall (and most comprehensive) Medicare supplement plan for new enrollees is Plan G. Plan N is the best alternative to Plan G.

  • The best Medigap plan for seniors who enrolled in or who were eligible for Medicare before 2020 is Plan F*.

  • The best low-cost Medigap plan is Plan K.

  • While Plan F remains the most popular Medigap insurance policy, Plan G is the most popular with new enrollees who are not eligible for Plan F.

*Plans C & F are grandfathered:


As of January 1, 2020, Medigap plans sold to new enrollees are no longer allowed to cover the Part B deductible. As a result, Plans C and F stopped being sold to anyone new to Medicare starting January 1, 2020. Anyone who was already enrolled in one of these plans before this date may keep their plan. Seniors who were eligible but not yet enrolled may still be able to purchase one of these plans.