Learn How to Pick the Best Medicare Supplement Plan in Five Simple Steps

“What is the best Medicare Supplement Insurance plan?” is a frequently asked question. The truth is that there is no one-size-fits-all answer for Medicare Supplement insurance. The ideal Medicare Supplement Insurance plan for you is determined by your needs and financial situation.

Medicare Supplemental Insurance

Here are some pointers to consider while selecting the best Medicare Supplement Insurance (Medigap) plan for your needs.

  • Understand your coverage requirements and budget.
  • Sign up for Medigap during the Open Enrollment Period.
  • Look into any possible discounts.
  • Understand when you might have guaranteed-issue rights.

Here are five steps to finding the best Medicare Supplement Insurance plan for you.

1. Select the appropriate Medicare Supplement plan for your coverage requirements.

When considering the best Medicare Supplement Insurance plan for your requirements, determining the level of coverage you require is a smart place to start. Medicare Supplement Insurance plans may help with out-of-pocket expenses not covered by Original Medicare, such as copayments, coinsurance, and deductibles.

In most jurisdictions, there are ten plan types available, and the basic benefits are the same for each lettered plan type (labeled A through N). Plan N, for example, will offer the same fundamental benefits regardless of where you purchase it.


Here are some questions to think about as you look for the best Medicare Supplement Insurance plan for your needs:

  • Do I want basic coverage or comprehensive coverage?
  • Is there a specific out-of-pocket expense I’d like assistance with (copayments, coinsurance, deductible)?
  • Do I want assistance with Part B excess charges while seeing providers who do not accept Medicare payment terms (assignment)?
  • Do I frequenly travel outside of the country and want international coverage?
  • Is a high-deductible plan right for me?

Plan A, which provides the most basic level of coverage, maybe the finest Medicare Supplement Insurance plan to choose if you’re searching for minimal coverage. Plan F* and G provide virtually all of the available benefits if you choose extra coverage.