Medicare Supplement (Medigap) Cost Calculator 2025

Introduction

Original Medicare covers 80% of Part B costs—leaving you responsible for the 20% coinsurance with NO out-of-pocket maximum. A $100,000 hospital stay = $20,000 out-of-pocket. Medicare Supplement (Medigap) plans fill these gaps, making costs predictable.

The Medigap Cost Calculator helps you compare plan premiums, coverage levels, and total out-of-pocket estimates for 2025.

Medigap Plan Comparison

Most Popular Plans (2025)

Benefit	Plan G	Plan N	Plan F*
Part A hospital coinsurance	✅	✅	✅
Part B coinsurance	✅ (after deductible)	⚠️ Up to $20 copay	✅
Part B deductible	❌ ($257)	❌	✅
Part B excess charges	✅	❌	✅
Foreign travel emergency	✅	✅	✅
Typical Premium (age 65)	$125-$185	$95-$145	$200-$300

*Plan F closed to new Medicare beneficiaries after 1/1/2020

Plan G (Most Popular)

Coverage: Everything except Part B deductible ($257/year)

Best For: Most people—comprehensive coverage, competitive premiums

Annual Cost Example (age 65):

• Premium: $1,800/year
• Part B deductible: $257
• Total: ~$2,057 + prescription costs

Plan N (Budget Option)

Coverage: Same as G but with copays ($20 office, $50 ER)

Best For: Healthy individuals, infrequent medical use

Savings vs. Plan G: $300-$480/year in premiums Trade-Off: $20 copays add up if you see doctors frequently

High-Deductible Plan G

Coverage: Same as regular Plan G AFTER meeting $2,800 deductible (2025)

Premium: $40-$70/month (vs. $125-185 for standard Plan G)

Best For: Very healthy, willing to self-insure first $2,800

Premium Factors

Age

Premiums increase with age:

Age	Plan G (typical)
65	$125-$165
70	$145-$195
75	$165-$225
80	$190-$275
85	$225-$350

Location

Same plan, different zip codes:

• Rural areas: Lower premiums
• Urban areas: 20-40% higher
• State regulations affect pricing

Rating Method

Community-Rated: Same premium regardless of age (BEST for long-term) Issue-Age Rated: Based on age when you buy (locked in) Attained-Age Rated: Increases every year (WORST long-term)

Health (Underwriting)

During Open Enrollment (6 months after Part B): Guaranteed issue, no health questions

After Open Enrollment: Medical underwriting may apply—pre-existing conditions can increase rates or cause denial

Tip: Enroll during guaranteed issue period to avoid underwriting.

Total Cost Analysis

Scenario 1: Healthy Senior

Plan N:

• Premium: $1,440/year
• Part B deductible: $257
• Office copays (12 visits × $20): $240
• Total: $1,937

Scenario 2: Frequent Doctor Visits

Plan G:

• Premium: $1,800
• Part B deductible: $257
• No copays
• Total: $2,057

Savings vs. Plan N: $120 (if \u003e20 doctor visits/year)

Scenario 3: Healthiest Option

High-Deductible Plan G:

• Premium: $600/year
• Part B deductible: $257
• Plan deductible: $2,800
• Total (if healthy): $857
• Total (if sick, meet deductible): $3,657

Risk: Must have $2,800+ liquid for worst-case

FAQ

Q: Do all Medigap plans cover the same things? A: Plans are standardized by letter. Plan G from Company A = Plan G from Company B in coverage, but premiums differ.

Q: Can I switch Medigap plans? A: Yes, but you may face underwriting (health questions) unless you qualify for guaranteed issue.

Q: Does Medigap cover prescriptions? A: No. You need separate Medicare Part D.

Q: What if I have Medicare Advantage? A: You cannot have both Medigap and Medicare Advantage. Must choose one.

Q: Are premiums tax-deductible? A: Yes, as medical expense if you itemize and exceed 7.5% AGI threshold.

Related Calculators

• Medicare IRMAA Calculator: /calculator/115-medicare-irmaa-calculator-2025
• Retirement Savings: /calculator/02-retirement-savings-calculator

Conclusion

Medigap provides peace of mind—predictable costs instead of unlimited exposure. For most people, Plan G offers the best balance of coverage and cost.

Use the Medigap Cost Calculator to compare plans in your area and choose the right coverage for your health and budget.