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The Top 5 Medicare Supplement Plans for 2025

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The original form of Medicare is certainly excellent, yet it has its forms of coverage gaps, including deductibles, copays, and coinsurance. This is where Medicare Supplement plans (such as Medigap plans) come in to save the day. Medigap plans help you avoid any and all surprises with out-of-pocket costs and offer an improved peace of mind knowing you’re covered.

Here at The Lambert Agency, we assist in helping our valued clients compare options and choose the best plans for their specific healthcare needs and overall budgets. Let’s explore the top five Medicare Supplement plans for 2025 and what makes each of them stand out as top contenders

1. AARP/UnitedHealthcare: Best Choice as an Overall Provider

This Medicare Supplement plan has been rated best overall by NerdWallet. AARP/UnitedHealthcare offers a wide range of Medigap plans, from A through N, with generally low levels of customer complaints paired with a competent customer service team. These plans are widely available and will often include wellness extras such as dedicated fitness programs.

Why AARP/UnitedHealthcare stands out:

  • Fully comprehensive coverage options
  • Overall excellent customer satisfaction
  • Nationwide availability within all 50 states

2. Mutual of Omaha: Best Choice for Premium Discounts

Mutual of Omaha is known for their competitive pricing and generous member perks. Additionally, Mutual of Omaha is often recognized for offering premium discounts and an overall great value for what you pay for.

Why Mutual of Omaha stands out:

  • Frequent discounts (e.g., for households, auto-pay, etc…)
  • Very strong reputation for manageable pricing

3. State Farm: Best Choice for Member Satisfaction

State Farm offers quality customer service and care. If this matters to you first and foremost, State Farm has ranked highest for overall member satisfaction in 2025 and is likely the ideal choice for your Medigap coverage needs. State Farm’s plans cover popular choices such as A, C, F, G, and N, providing you with the right level of flexibility and customer care to live your best life yet this year.

Why State Farm stands out:

  • Personalized, local support
  • Strong customer satisfaction ratings

4. Anthem: Best Choice for Extra Benefits

Anthem truly stands out in 2025 for adding a bevy of extra benefits to their Medigap plans, including various wellness programs and a variety of online healthcare services. This is especially true with their Plan G and Plan N options. 

Why it stands out:

  • Additional perks such as telehealth, fitness, and discounted services
  • Enhanced value beyond their typical coverage levels

5. Wellabe: Best Choice for Lowest Premiums

If finding the most affordable costs is your primary focus, Wellabe generally offers Medigap policies with very low premiums, while still maintaining solid coverage for 2025.

Why Wellabe stands out:

  • Affordable pricing
  • Options for budget-conscious beneficiaries

Understanding the Most Popular Medigap Plans

While insurers may vary, the most commonly chosen Medigap plans for 2025 remain Plan F (where available), Plan G, and Plan N.

  • Plan F: Offers full coverage, including the Part B deductible, yet only available if you’re eligible before 2020
  • Plan G: Best alternative for new enrollees post-2020, and it covers nearly everything aside from the Part B deductible
  • Plan N: Offers lower premiums with modest copays for doctor and ER visits, typically around $20 and $50 respectively

How to Choose the Right Plan with The Lambert Agency

When selecting a Medicare Supplement plan, you’ll want to consider the following:

  • Your overall healthcare needs & budget mapped out
  • Specific plan availability in your surrounding area
  • General provider satisfaction ratings & customer service record
  • How many optional wellness perks or premium discounts they offer

Here at The Lambert Agency, we’re able to help you navigate these various factors, compare and contrast various quotes from the top insurers mentioned in this post, and help you enroll during the optimal enrollment window which is typically your six-month Medigap open enrollment period, where underwriting cannot be denied based on health.

To Summarize…

For year 2025, based on overall value, support, and affordability, the top Medicare Supplement providers include the following:

  1. AARP / UnitedHealthcare: Best overall plan to choose
  2. Mutual of Omaha: Best premium discounts offered
  3. State Farm: Best for overall customer service
  4. Anthem: Best extra benefits available
  5. Wellabe: Best for low-cost, budget-minded individuals

Among these specific plan types, Plan G and Plan N are the most widely and highly recommended choices, especially for those who became Medicare-eligible after 2020

Need Help Finding the Best Medigap Plan?

When you choose to work with The Lambert Agency, you’re choosing an agency to be your guide when searching for the best Medigap plans available in 2025. We’ll help you truly understand the various options presented, gather personalized quotes catered to your specific wants and needs, and ensure your Medigap plan aligns with your overall coverage goals and underlying budget. We look forward to working with you soon!

Name
What type(s) of insurance are you interested in?
What type(s) of insurance do you currently have?
Are you willing to change your insurance agent?

Medicare Advantage vs. Medicare Supplement: Which Should You Choose?

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Medicare Advantage vs. Medicare Supplement: Which Should You Choose?

When you turn 65 years of age, you automatically become eligible for Medicare. One of the most important decisions you’ll have to make when turning 65 and becoming automatically eligible for Medicare is whether you should choose a Medicare Advantage plan or a Medicare Supplement (Medigap) plan. Both of these options are geared towards helping you properly cover the costs your original Medicare plan does not cover. However, they operate in different ways. Here at The Lambert Agency, we help our valued clients compare and contrast both options available to them when they turn 65 years of age. This guidance helps ensure the right choice is made when it comes to aligning with health needs, lifestyle needs, and overall budget constraints.

Understanding the Basics

Medicare Advantage (Part C)

Medicare Advantage plans will be offered by private insurance companies which are approved by Medicare. Medicare Advantage plans combine Parts A (hospital coverage) and B (medical coverage). Additionally, they’ll often include Part D (prescription drug coverage). Some Medicare Advantage plans will offer additional extras consisting of vision, dental, and hearing coverage options. Medicare Advantage plans include the following attributes for most individuals:

  • Lowered monthly premiums
  • Network restrictions (HMO/PPO) could limit which doctors and hospitals you can visit and be seen at
  • Out-of-pocket costs such as copays and coinsurance will still apply
  • Often includes extra perks with the plan such as fitness programs or telehealth options

Medicare Supplement (Medigap)

Medigap plans will often work alongside your original Medicare plan. Choosing to keep Medicare Parts A and B, while also adding a Medicare supplement plan will assist in paying for deductibles, copays, and coinsurance expenses. Medicare Supplement plans will often include the following:

  • Increased monthly premiums, yet reduced out-of-pocket costs
  • No network restrictions applied (see any doctor or hospital you see fit which accepts Medicare nationwide)
  • Prescription drugs are not included (a separate Part D plan is required)
  • Consistent, predictable healthcare costs with less of an overall financial risk

Key Differences Between Medicare Advantage & Medicare Supplement Plans

  1. Costs
    • Advantage: Lower premiums, yet higher potential out-of-pocket costs
    • Supplement: Higher premiums, yet most costs will be covered
  2. Doctor & Hospital Choice
    • Advantage: Must use the plan’s network, except in cases of emergency
    • Supplement: Any Medicare-accepting provider in the U.S. qualifies
  3. Coverage Extras
    • Advantage: May include associated dental, vision, hearing, and wellness perks
    • Supplement: Strictly covers medical costs; extras are not included
  4. Travel Coverage
    • Advantage: Limited coverage, with often no available coverage outside of your specific service area
    • Supplement: Nationwide coverage, with some plans covering foreign travel emergencies
  5. Simplicity vs. Flexibility
    • Advantage: An all-in-one plan which is easier to manage, yet still has its limitations
    • Supplement: Can be more flexible, yet requires pairing with Part D and possibly dental/vision coverage

Which Should You Choose?

Ultimately, the right choice comes down to your  overall health, anticipated budget, and preferred lifestyle. Here at The Lambert Agency, we will always recommend asking yourself the following questions to help determine the right choice:

  • “Do you want to lower your premiums now, knowing you’ll have to eventually pay copays and coinsurance along the way?”: Medicare Advantage could be a good fit for you
  • “Do you prefer a form of predictable, comprehensive coverage with the freedom to see any doctor you’d like?”: Medicare Supplement may be the better choice
  • “Do you travel often or split time between residences in different states?”: Medigap does in fact offer nationwide flexibility
  • “Do you like the idea of extras like vision, dental, and gym memberships included?”: Medicare Advantage is able to provide those perks

FAQs

“Am I able to switch between Medicare Advantage and Medicare Supplement?”
Yes, you can, but it’s not always the easiest task. Medicare Advantage plans may be changed during the annual enrollment period, but you’ll want to consider that switching to a Medicare Supplement plan may require additional medical underwriting, unless you happen to be within the initial enrollment window.

“Which option costs more over time?”
It ultimately depends on a couple of factors. Do you have frequent medical care needs? If so, a Medicare Supplement plan may end up saving you money over the long-term. If you’re a healthy individual and would like lower premiums, Medicare Advantage can be the right choice for you.

“Does The Lambert Agency help me compare both?”
Yes, we do! Here at The Lambert Agency, we’re happy to run side-by-side comparison models of premiums, estimated out-of-pocket costs, and levels of coverage so you can fully grasp what the outcomes may look like.

Contact The Lambert Agency Today

In summary, there’s not a one-size-fits-all approach when answering the question of Medicare Advantage vs. Medicare Supplement coverage. It boils down to your underlying health, your anticipated budget, and your preferred lifestyle. When you choose to work with The Lambert Agency, you’ll know we take the time to truly understand your unique situation and goals, and we’ll do our absolute best to provide you with the best options we see fit. Through these careful measures, we’re able to help you feel confident you’ve chosen the right Medicare coverage which aligns with your lifestyle.

Name
What type(s) of insurance are you interested in?
What type(s) of insurance do you currently have?
Are you willing to change your insurance agent?

What Is a Medicare Supplement Plan and How Does It Work?

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If you’re approaching age 65, or you already happen to be on Medicare, you may have heard of the term “Medicare Supplement Plan”, a.k.a. “Medigap”. These specific plans assist in covering out-of-pocket costs which original Medicare (Parts A & B) does not cover. The question is: how do Medicare Supplement Plans work, and are they the correct choice for your needs? Here at The Lambert Agency, we specialize in breaking down Medicare coverage in simple, easy to understand terms. In this guide, we’ll go over all of the essential elements of Medicare Supplement Plans and provide our guidance every step of the way. Enjoy!

Addressing the Gaps in Original Medicare

Original Medicare is certainly a strong foundation for accessible healthcare during retirement years, yet it may leave you responsible for the following deductibles:

  • Part A hospital deductibles
  • Part B annual deductibles
  • Copayments for any and all doctor visits and hospital stays
  • Coinsurance (which is your share of the costs for covered services)
  • No out-of-pocket maximum

Simply put, this means a single illness or extended hospital stay could possibly lead to significant out-of-pocket expenses. Thankfully, this is where a Medicare Supplement Plan comes in to help.

What Is a Medicare Supplement (Medigap) Plan?

A Medicare Supplement Plan is simply a form of private insurance thoughtfully designed to “fill in the gaps” Original Medicare leaves behind. Through working alongside Parts A and B, some or all of the costs which Medicare does not cover are covered. When you choose to enroll in a Medigap plan from The Lambert Agency, you’ll be able to enjoy the following benefits:

  • Predictable Costs: Many forms of copays, coinsurance, and deductibles will be covered
  • Freedom of Choice: You’re able to see any doctor or hospital nationwide which accepts Medicare
  • No Network Restrictions: Unlike Medicare Advantage plans, you are not tied to HMO or PPO network restrictions
  • Guaranteed Renewable Coverage: As long as you successfully pay your monthly or annual premium, your plan cannot be cancelled

How Does a Medicare Supplement Plan Work?

Let’s break down a simple example of how a Medicare Supplement Plan works:

•You visit your doctor: Medicare Part B is able to pay 80% of the approved cost

•Without Medigap: You’d likely pay the remaining 20% out-of-pocket

•With a Medicare Supplement Plan: Your insurer (through us at The Lambert Agency) pays said 20% on your behalf.

All of this yields fewer surprises and even more predictable healthcare spending over time, helping you better manage your finances throughout the year

Popular Medicare Supplement Plans

While Medicare Supplement plans may vary, some of the most popular options for new Medicare Supplement Plan enrollees today consist of the following:

  • Plan G: This is the most comprehensive plan available for those eligible after 2020 (it covers nearly everything except the Part B deductible)
  • Plan N: Offers lower premiums in exchange for modest copays at your physician’s office or emergency room
  • Plan F: This plan is only available if you were eligible for Medicare prior to January 1, 2020, yet it remains one of the most comprehensive plans overall

When you work with The Lambert Agency, we assist you in comparing these options side-by-side and help you decide which one is ultimately best for your overall budget and healthcare needs.

When Can You Enroll in a Medigap Plan?

Your Medigap Open Enrollment Period is the best time to sign up for a Medigap Plan. To enroll within this six-month window, you must be:

  • 65+ years of age
  • Enrolled in Medicare Part B

During this timeframe, you can purchase any and all Medicare Supplement plans with guaranteed acceptance (i.e.: meaning no medical underwriting or health questions). Once you’re outside of this window of time, you may end up facing restrictions or even higher than average premiums. For these reasons, it’s important to work with an agency such as The Lambert Agency to ensure everything is timed correctly and on the right track.

FAQs About Medicare Supplement Plans

Do Medigap plans include prescription drug coverage?
No. You’ll require a separate Part D plan for medications.

Are premiums the same everywhere?
No. Premiums may vary by carrier, location, and age. When you choose to work with The Lambert Agency, we’re able to shop around multiple carriers to locate the best rates for you and your unique scenario.

Can I use my Medigap plan outside the U.S.?
Some plans, such as Plan G and Plan N, include limited foreign travel emergency coverage.

Contact The Lambert Agency Today

A Medicare Supplement Plan is a very powerful way to protect yourself from any unexpected medical bills and gain an enhanced peace of mind during your retirement years. When you have predictable costs paired with nationwide provider freedom, it’s one of the best choices you can make as a 65+ senior citizen. When you contact The Lambert Agency, we go the extra mile to help you compare various options, enroll during the right window of time, and ensure your plan best fits your long-term healthcare needs. Feel free to contact us using the form below and we’ll be happy to help you every step of the way. We look forward to working with you soon!

Name
What type(s) of insurance are you interested in?
What type(s) of insurance do you currently have?
Are you willing to change your insurance agent?