Medicare Plan J Details: Accessibility, Costs, and Additional Information
In 2025, new Medicare enrollees have a variety of Medigap options to choose from, following the discontinuation of Plan J for new beneficiaries in 2010. Among the ten standardised Medigap plans, Plan G and Plan N have emerged as the most popular and widely recommended choices for those joining Medicare this year.
Plan G offers extensive coverage very similar to the old Plan F, but it requires the Medicare Part B annual deductible to be paid by the individual. This plan tends to have competitive premiums and is a good option for those seeking broad coverage without the higher cost of some other plans.
On the other hand, Plan N typically has lower monthly premiums but includes small copayments for some office visits (up to $20) and emergency room visits (up to $50, if not admitted). It is ideal for individuals who prefer lower premiums while accepting some out-of-pocket costs at the time of service.
Other plans, such as A, B, C, D, K, L, and M, remain available but cover fewer benefits compared to G and N. Notably, Plan F is not available to new enrollees but remains for those who were enrolled before 2020.
It is essential to note that Medigap policies are administered by private insurance companies, which must follow Medicare rules. These policies help pay for out-of-pocket expenses in Medicare Parts A and B, covering essentials like deductibles, coinsurance, copayments, excess charges, and more.
When choosing a Medigap policy, individuals must have Medicare Part A and Part B and pay the Part B monthly premium directly to Medicare. To enrol in a Medigap policy, one can contact their new or existing plan provider or use Medicare's helpful online tool for comparing plan options across zip codes.
In summary, for new Medicare enrollees in 2025, the recommended Medigap options since Plan J's discontinuation are mainly Plan G and Plan N. These plans offer comprehensive and cost-effective supplemental coverage to Original Medicare.
In 2025, new Medicare enrollees can explore the health-and-wellness benefits offered by healthorganizations through Medigap policies, which help cover out-of-pocket expenses in Medicare Parts A and B. These policies, administered by private insurance companies, can include popular options such as Plan G and Plan N, which offer science-backed healthcare coverage similar to Plan F and Plan N, respectively.
