Medicare keeps changing, and 2025 has brought important updates to Medicare Supplement plans (Medigap). These updates aim to improve coverage, save money, and give better access to healthcare services.

But keeping up with these changes can be tricky. That’s where I, Randy W. Hall—also known as “Mr. Nice Guy Medicare Advisor”—come in.

I help Tennesseans understand Medicare without any sales pressure, and I’m here to help you find the right Medicare Supplement in Tennessee.

Let’s discuss the following major Medigap changes in 2025 and what they mean for you:

Medigap Plans Are Still Standardized

Medicare Supplement follows federal and state rules, so the benefits are the same no matter which company you choose. However, Plans C and F are still not available to people who became eligible for Medicare after January 1, 2020. If you qualified before then, you can still buy these plans.

For newer enrollees, Plans D and G are the best alternatives, but they don’t cover the Medicare Part B deductible.

New Out-of-Pocket Costs for Medigap Plans

Some Medigap plans have cost-sharing features. In 2025:

Plan K’s out-of-pocket limit is now $7,220.
Plan L’s out-of-pocket limit has increased to $3,610.
High-Deductible Plans F & G now require you to pay $2,870 before coverage begins.
The Part B deductible is now $257.
Plan N still requires small copayments: up to $20 for doctor visits and up to $50 for ER visits (unless admitted).

Medigap vs. Medicare Advantage: Know the Difference

A common question is whether to choose a Medicare Supplement plan or a Medicare Advantage plan. The key thing to remember is that you can’t have both at the same time. If you switch from Medigap to Medicare Advantage, you might not be able to return to Medigap later.

However, if you’re trying Medicare Advantage for the first time, you have a 12-month “trial right” to switch back to Medigap if you’re unhappy.

Medigap Enrollment and State-Specific Rules

The best time to sign up for a Medigap plan is during the six-month Open Enrollment Period, which starts when you enroll in Medicare Part B. During this time, insurance companies must accept you, no matter your health condition.

Some states, including Tennessee, allow people under 65 to buy Medigap, but the cost may be higher.

Medigap Can Help with Rising Medicare Costs

Medicare Part A and B costs have gone up in 2025. The Part A deductible is now $1,676, and the Part B premium has increased to $185 per month.

A good Medigap plan can help cover these extra costs, making your healthcare expenses more predictable and manageable.

Frequently Asked Questions

1). Can I switch from Medicare Advantage to a Medigap plan?

Yes, but only under certain conditions. If you are in your 12-month trial period, you can switch back to Medigap. Otherwise, you might need to go through medical underwriting, meaning an insurance company could deny you coverage based on your health history.

2). Are Medigap premiums higher in 2025?

Premiums may have gone up slightly due to inflation and higher healthcare costs. The exact increase depends on your insurance provider and location.

3). Which Medigap plan is best for me?

The best plan depends on your needs and budget. Plan G is a popular choice because it covers almost everything except the Part B deductible. Plan N is a great option for those looking to save money, though it has small copayments.

4). Can an insurance company deny me a Medigap policy?

If you apply during your Medigap Open Enrollment Period, insurance companies must accept you. But if you apply after this period, they can review your health history and may deny coverage.

5). Why should I choose Mr. Nice Guy Medicare Advisor?

I offer honest, no-pressure advice to help you pick the best plan for your situation. Unlike agents tied to one insurance company, I work independently and compare multiple plans to find the best fit for you.

Need Help Understanding Medicare Supplement Plans? I’m Here for You!

If you’re unsure about what these changes mean for you, I’m here to help. As “Mr. Nice Guy Medicare Advisor,” I’ve spent years helping people in Tennessee navigate Medicare without sales pressure.

Let’s find the best plan for you—call me today for a free, no-obligation consultation!