Mastering Medicare Supplements for Client Security

Let’s talk Medicare Supplements or Medigap, as it’s often called. You’re sitting with your client who’s finally retired, dreaming of golf and grandkids, and they need insurance. They thought Original Medicare would be the solution, unaware of its deductibles, coinsurance, and other costs. That’s where Medigap comes in, turning scary surprise bills into predictable monthly premiums. You can provide that peace of mind.The good news? All plans with the same letter (F, G, N, etc.) give identical core benefits, no matter who sells them. So instead of drowning in fine print, you’re just picking the carrier with the best price, stability, and customer service.

What’s Hot in the Medigap World

This isn’t some archaic insurance; it’s booming. In 2022, 42% of folks sticking with Traditional Medicare had a Medigap policy. And guess who’s still making the most sales?

Angela Palo Chief Operating Officer and Co-owner Pinnacle Financial Services, an AmeriLife company

Agents like you—over 60% of policies. Clients want a pro to cut through the noise.

Plan G: The Star of the Show

Plan G is gobbling up 71% of new premium dollars and 68% of new enrollees. Why? It covers everything Original Medicare leaves behind—except the tiny Part B deductible (think $240-ish in 2025). For clients who hate surprises, it’s the gold standard.

Plan G HDG (High-Deductible Plan): The Dark Horse

HDG is growing fast—up 14% last year. Premiums? Extremely affordable at about $52/month. You must make sure your client understands they pay the first $2,870 (2025) out of pocket before it kicks in.

The tie breaker is simple:

• Can they handle a $2,870 expense? → Choose HDG.
• Do they want zero surprises? → Choose Plan G.

Plan N: The Budget-Friendly Runner-Up

The second most likely to be sold is Plan N, which is perfect for healthy folks who are willing to pay some of the costs while still saving money.

• Copays: Up to $20 for doctor visits, $50 for ER (if you’re not admitted).
• Excess Charges: Not covered (but only about 5% of docs even charge these).
• Savings: Around $112/month for a 65-year-old vs. Plan G’s $180.

Your Playbook for Guiding Clients

Forget “one size fits all.” It’s about your client and what is best for them.

• For those who rely on specialists or frequent care → Plan G. Predictable = priceless.

• For those who are healthy with the ability to cover some expenses → Plan N or HDG. Lower premiums, clever trade-off.

To be a good steward for your clients, remember that many states have rules on switching plans later. Make sure you know them.

Bottom Line

Your job? Be the translator. Turn confusing data into “Here’s what this means for you.” Master why Plan G rules, when Plan N saves the day, and how HDG fits the frugal-but-prepared crowd. Then watch your clients sleep better knowing they are protected from unexpected medical bills that could tank their retirement.

Author: Angela Palo is the Chief Operating Officer and co-owner of Pinnacle Financial Services, an AmeriLife company. As one of the principals, Angela oversees all the company’s daily operations. Her responsibilities also include traveling across the country to meet with agents, carriers, and vendors. Angela is a member of several nationally recognized insurance carrier advisory boards and has been a speaker at numerous industry events, including Medicarians. Angela has been asked to participate in and mentor women in business for several organizations. She is a member of the NABIP Medicare FMO Council and a contributor to the Forbes Council, a professional organization for top CEO's and entrepreneurs. Angela is also involved in several community and philanthropic events and uses Pinnacle as a platform to volunteer and donate to charities throughout the year.