How much is the monthly premium for Medicare Supplement?

Medicare Supplemental (Medigap) plans cost roughly $100 to $300+ per month, varying significantly by plan type (like Plan G or N), your age, location, and insurer, with popular choices like Plan G averaging around $150-$200 monthly for new enrollees but potentially reaching over $500 for higher-coverage options or older individuals. Premiums increase with more coverage, but factors like age, zip code, and smoking status heavily influence your specific rate.

What is the average cost of Medicare supplemental insurance per month?

The bottom line. Medicare supplemental insurance premiums in 2025 typically range from about $32 to $550 per month, with most beneficiaries paying somewhere in the middle of that range depending on their plan choice, age, location and other factors.

Does everyone have to pay $170 a month for Medicare?

If you don't get premium-free Part A, you pay up to $565 each month. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($202.90 in 2026).

What is the best supplemental insurance for Medicare for seniors?

There's no single "best" Medicare Supplement (Medigap) plan, as it depends on your budget and needs, but Plan G is the most popular and comprehensive for new enrollees, covering most costs after your Part B deductible, while Plan N offers lower premiums with small copays for doctor visits and ER trips. Top providers like AARP/UnitedHealthcare, Humana, Blue Cross Blue Shield, and State Farm offer competitive rates and services, so compare costs and benefits in your area.
 

How much does a humana Medicare Supplement cost per month?

Humana Medicare Supplement (Medigap) costs vary widely, generally ranging from under $50 to over $600 monthly, depending on the plan (like G, N, or high-deductible F) and key factors, with Plan G averaging $90-$300 for mid-level coverage and high-deductible plans offering lower premiums but higher initial costs. Expect higher premiums for more coverage and lower for less, with location, age, gender, and tobacco use significantly impacting your specific rate. 

Best Medicare Supplement Plans for 2025- FULLY Explained!

What is the average Medicare Supplement premium in 2025?

For 2025, average Medicare Supplement (Medigap) premiums generally fall between $90 and $300 per month for popular plans like G or N, with costs varying widely from around $32 for high-deductible options to over $500 for comprehensive coverage, depending on your age, location, carrier, and specific plan. Plan G averages around $155/month for new enrollees, while Plan N might average $112-$150/month for younger beneficiaries, increasing with age. 

What is the income limit for Humana?

Qualifying Individual (QI) Program

QI income and resources limits for 2025 include: Individual monthly income limit – $1,781* Married couple monthly income limit – $2,400* Individual resource limit – $9,660.

Is it better to go on Medicare or stay on private insurance?

Neither Medicare nor private insurance is universally "better"; the best choice depends on individual needs, but Medicare often offers lower overall costs and simplicity for seniors, while private insurance excels in covering dependents and potentially offering more choice with networks/out-of-pocket caps, though at higher premiums. Medicare boasts lower admin costs and standardized coverage, but Original Medicare lacks an out-of-pocket maximum, a feature typically found in private plans and Medicare Advantage (Part C). 

What is the best prescription drug plan for seniors on Medicare?

There's no single "best" Medicare Part D plan; it depends on your medications and budget, but top-rated providers for low costs/premiums often include Humana, Wellcare, UnitedHealthcare (AARP), and Cigna, with Humana Value Rx and UHC's AARP plans frequently highlighted for low deductibles or $0 options for generics, while the official Medicare Plan Finder (Medicare.gov) is the essential tool for comparing plans in your specific area. Always check the plan's formulary (drug list) and pharmacy network against your needs. 

What is the downside to Medicare Supplement plans?

The main disadvantages of Medicare Supplement (Medigap) plans are high monthly premiums, the need to buy a separate Part D plan for prescription drugs, and the lack of built-in extras like dental, vision, or hearing coverage, requiring extra policies; also, switching plans can be difficult due to medical underwriting, and rates typically increase annually. 

What are the 5 things Medicare doesn't cover?

Medicare generally doesn't cover long-term care, most dental care, routine vision services (like glasses), hearing aids/fittings, and cosmetic surgery, though it does provide strong coverage for hospital and doctor services; you can often get coverage for these gaps through Medicare Advantage (Part C) or supplemental plans. 

Why is my Medicare $500 a month?

Medicare Premiums Over $500

However, if you have a higher-than-average income, your Part B premiums start going up on a sliding scale. How much extra you pay is based on the income you reported to the IRS two years ago.

How can I lower my Medicare premiums?

To lower Medicare premiums, report income drops from life events like retirement (Form SSA-44), apply for low-income help like Extra Help or Medicaid, use HSA funds for premiums, deduct premiums from taxes, switch to a cheaper Medicare Advantage or Supplement plan, or check if you qualify for Medicare Savings Programs (MSPs) through your state. 

Is supplemental health insurance worth it when you have Medicare?

You might wonder why you would need supplemental insurance if you have Medicare. However, while Medicare covers a large share of your health care bills, it will not pay for everything. That's where having some extra insurance can help.

What is the average cost of a Medicare Part D plan?

The premium is the monthly cost of maintaining your prescription drug policy. Premiums for Medicare Part D differ from plan to plan. But the average estimated premium in 2026 is $34.50.

Do medicare supplement plans go up with age?

Yes, Medicare Supplement (Medigap) premiums can increase with age, but it depends on the plan's rating system: Attained-Age Rated plans increase as you get older, while Issue-Age Rated and Community-Rated plans do not increase due to age, though all can rise due to inflation and other factors. Attained-age plans start cheaper but often become most expensive; issue-age plans lock in your starting age; community-rated plans charge everyone the same, notes Medicare Interactive. 

What are the biggest mistakes people make with Medicare?

The biggest Medicare mistakes involve missing enrollment deadlines, failing to review plans annually, underestimating total costs (premiums, deductibles, copays), not enrolling in a Part D drug plan with Original Medicare, and assuming one-size-fits-all coverage or that Medicare covers everything like long-term care. People often delay enrollment, get locked into old plans without checking for better options, or overlook financial assistance programs, leading to higher out-of-pocket expenses and penalties. 

What is the best insurance to go with Medicare?

There's no single "best" Medicare plan, as it depends on your needs, but top-rated providers for Medicare Advantage (Part C) often include Aetna, UnitedHealthcare (AARP), Humana, and Kaiser Permanente, praised for wide networks, low costs, or extra benefits like dental/vision; for Medicare Supplement (Medigap), UnitedHealthcare/AARP and Humana frequently lead in perks and overall value. Always compare plans on Medicare.gov for your specific location and prescriptions, considering costs, doctor networks, and extra benefits like vision, dental, or fitness programs. 

Is Blue Cross or UnitedHealthcare better?

UnitedHealthcare gets slightly higher overall star ratings than BCBS and may offer lower prices, but BCBS might offer a better customer experience.

What states have the worst Medicare Advantage plans?

States often cited for weaker Medicare Advantage performance include Louisiana, Mississippi, Kentucky, West Virginia, and Florida, due to challenges with care access, provider shortages, and quality issues like higher rates of avoidable hospitalizations and inappropriate medication prescriptions, though specific rankings vary by report and focus (e.g., satisfaction vs. overall system). Other states like New York, California, Texas, and Michigan appear on lists for low member satisfaction with specific plans, not necessarily the whole state's system. 

Does Medicare cover 100% of hospital bills?

No, Original Medicare (Part A & B) does not cover 100% of hospital bills; beneficiaries pay deductibles, coinsurance, and copays, but you can get full coverage by adding Medicare Supplement (Medigap) plans or choosing a Medicare Advantage plan. Part A covers the first 60 days of a hospital stay (after a deductible), but after that, you pay daily coinsurance, and there's no limit on your total costs unless you have supplemental coverage.
 

How much cheaper is Medicare than private insurance?

Medicare is generally much cheaper for the services themselves, with private insurers paying over double what Medicare pays for hospital care (around 250%+) and significantly more for physician services, but private plans often have better out-of-pocket caps, while Original Medicare (Parts A & B) lacks this limit, making total costs complex and dependent on usage and plan type. Medicare Part A is often free, with lower standard premiums than average private plans, but private plans (and Medicare Advantage) offer defined cost-sharing and annual spending limits. 

What is the downside of Humana?

Downsides of Humana often involve negative customer experiences with claims, network access issues (doctors not accepting it), confusing plan details leading to unexpected costs, and recent Star Rating drops impacting some Medicare Advantage (MA) plans, with members facing reduced benefits or providers leaving the network. While it offers extensive Medicare Advantage options, many users report poor customer service and difficulties with coverage authorization, making it crucial to thoroughly vet specific plans and providers. 

Is Humana deducted from social security?

For most people, paying the premium is simple. Your Part B premium will be automatically deducted from your benefit payment if you get benefits from 1 of these: Social Security. Railroad Retirement Board.

Does everyone on Medicare get a grocery allowance?

The Medicare grocery allowance is great for those who need help buying nutritious foods to stay healthy. But only select Medicare Advantage plans offer the benefit, and not everyone will qualify.