--- title: Medicare Supplements and What People Actually Use Them For description: Understand how Medicare Supplements provide financial security for retirees, ensuring predictable healthcare costs and peace of mind. image: https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20serene%20and%20inviting%20office%20space%20designed%20for%20client%20consultations%20about%20Medicare%20Supplements%20A%20polished%20wooden%20desk%20sits%20at%20the%20c.png --- [**](https://lhc.naifa.org/mcblog/medicare-supplements-and-what-people-actually-use-them-for#tmpmodule_1610372601348145) - [Join](https://belong.naifa.org/join) - [Renew](https://community.naifa.org/login.aspx) - [Find an Advisor Pro](https://findapro.lifehappens.org/) **** [![belong.naifa.orghs-fshubfslogo_NAIFA_white](https://lhc.naifa.org/hs-fs/hubfs/social-suggested-images/belong.naifa.orghs-fshubfslogo_NAIFA_white.png?width=140&height=109&name=belong.naifa.orghs-fshubfslogo_NAIFA_white.png) ![logo_NAIFA_NEW](https://lhc.naifa.org/hs-fs/hubfs/logo_NAIFA_NEW.png?width=100&height=73&name=logo_NAIFA_NEW.png) ](https://lhc.naifa.org/) [**](https://lhc.naifa.org/mcblog/medicare-supplements-and-what-people-actually-use-them-for#tmpmodule_1610372601348145) - [Centers Home](https://centers.naifa.org/centers) - [LHC Home](https://lhc.naifa.org) - LHC Collectives - [Limited and Extended Care Planning Collective](https://lhc.naifa.org/lecp) - [Medicare Collective](https://lhc.naifa.org/medicare) - Advisory Councils - [Limited and Extended Care Planning Advisory Council](https://lhc.naifa.org/advisory-council) - [Medicare Advisory Council](https://lhc.naifa.org/mc-advisory-council) - Advocacy - [Limited and Extended Care Planning Legislative Working Group](https://lhc.naifa.org/legislative-working-group) - [Medicare Legislative Working Group](https://lhc.naifa.org/medicare-legislative-working-group) - [Advocacy Action Center](https://advocacy.naifa.org/news) - Events - [Inside the New NAIFA Medicare Collective Working Group webinar recording](https://vimeo.com/1211793994/19889c51bc?share=copy&fl=sv&fe=ci) - [Medicare Collective Impact Day 2026 Recording](https://belong.naifa.org/navigating-disruption-and-market-contraction-in-medicare-business-in-2026-and-beyond) - [Peak 65 Series: Impact Day for Lifetime Healthcare Recording](https://lhc.naifa.org/peak65) - [Limited and Extended Care Planning Archives](https://lhc.naifa.org/archives) - [2025 LECP Impact Day Recording](https://vimeo.com/1138688419/b50a406b29?share=copy&fl=sv&fe=ci) - [LHC Webinars](https://lhc.naifa.org/archives) - Blogs - [Limited and Extended Care Planning Blog](https://lhc.naifa.org/lecpblog) - [Medicare Blog](https://lhc.naifa.org/mcblog) ** ![LHCP-banner](https://lhc.naifa.org/hs-fs/hubfs/LHCP-banner.jpg?width=8333&height=4167&name=LHCP-banner.jpg) # **Medicare Healthcare Collective** ###### 4 min read # [Medicare Supplements and What People Actually Use Them For](https://lhc.naifa.org/mcblog/medicare-supplements-and-what-people-actually-use-them-for) By [AmeriLife](https://lhc.naifa.org/mcblog/author/amerilife) on Dec 10, 2025 1:51:02 PM ###### Topics: [Medicare](https://lhc.naifa.org/mcblog/topic/medicare) [Knowledge Centers](https://lhc.naifa.org/mcblog/topic/knowledge-centers) [medicare collective](https://lhc.naifa.org/mcblog/topic/medicare-collective) ![](https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20serene%20and%20inviting%20office%20space%20designed%20for%20client%20consultations%20about%20Medicare%20Supplements%20A%20polished%20wooden%20desk%20sits%20at%20the%20c.png) **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%**](https://www.kff.org/medicare/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/) of folks sticking with Traditional Medicare had a Medigap policy. And guess who’s still making the most sales? | ![Angela-Palo-041125](https://lhc.naifa.org/hs-fs/hubfs/Angela-Palo-041125.png?width=163&height=179&name=Angela-Palo-041125.png) | | --- | | Angela Palo Chief Operating Officer and Co-owner Pinnacle Financial Services, an AmeriLife company |   Agents like you—over [**60%**](https://www.novaoneadvisor.com/report/us-medicare-supplement-health-insurance-market) of policies. Clients want a pro to cut through the noise. **Plan G: The Star of the Show** Plan G is gobbling up [**71%**](https://www.genre.com/us/knowledge/publications/2025/september/surveylhmedsupp25-en) of new premium dollars and [**68%**](https://www.genre.com/us/knowledge/publications/2025/september/surveylhmedsupp25-en) 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%**](https://www.psmbrokerage.com/blog/medicare-supplement-plan-n-is-rising-in-popularity) 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**](https://www.medicaresupplement.com/articles/average-cost-of-medicare-supplement-by-age/) 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. - [Tweet](https://twitter.com/share) # TOPIC LIST : - [Medicare (13)](https://lhc.naifa.org/mcblog/tag/medicare) - [Knowledge Centers (12)](https://lhc.naifa.org/mcblog/tag/knowledge-centers) - [medicare collective (8)](https://lhc.naifa.org/mcblog/tag/medicare-collective) - [Health Care (5)](https://lhc.naifa.org/mcblog/tag/health-care) - [Affordable Care Act (2)](https://lhc.naifa.org/mcblog/tag/affordable-care-act) - [Medicare Part D (2)](https://lhc.naifa.org/mcblog/tag/medicare-part-d) - [Financial Planning (1)](https://lhc.naifa.org/mcblog/tag/financial-planning) - [Lifetime Healthcare Center (1)](https://lhc.naifa.org/mcblog/tag/lifetime-healthcare-center) - [Long-Term Care (1)](https://lhc.naifa.org/mcblog/tag/long-term-care) ###### [** Previous Post](https://lhc.naifa.org/mcblog/naifas-medicare-collective-stresses-the-value-of-agents-in-cms-meeting-1) [![NAIFA Medicare Collective](https://lhc.naifa.org/hubfs/CMS%20Meeting%20Piece.png) ](https://lhc.naifa.org/mcblog/naifas-medicare-collective-stresses-the-value-of-agents-in-cms-meeting-1) ###### [NAIFA’s Medicare Collective Stresses the Value of Agents in CMS Meeting](https://lhc.naifa.org/mcblog/naifas-medicare-collective-stresses-the-value-of-agents-in-cms-meeting-1) ###### [Next Post **](https://lhc.naifa.org/mcblog/why-smart-agents-are-reassessing-medigap-and-part-d-coverage) [![](https://lhc.naifa.org/hubfs/AI-Generated%20Media/Images/In%20a%20tranquil%20office%20space%20bathed%20in%20the%20soft%20glow%20of%20morning%20sunlight%20a%20middleaged%20female%20financial%20advisor%20with%20short%20brown%20hair%20sits%20across%20from%20an-3.png) ](https://lhc.naifa.org/mcblog/why-smart-agents-are-reassessing-medigap-and-part-d-coverage) ###### [Why Smart Agents Are Reassessing Medigap and Part D Coverage](https://lhc.naifa.org/mcblog/why-smart-agents-are-reassessing-medigap-and-part-d-coverage)   ### Featured ### Sign up for updates ### SIGN UP FOR UPDATE Our Key supporters ## **Sponsors** [![Advocate_Health_Advisors_logo](https://lhc.naifa.org/hs-fs/hubfs/Advocate_Health_Advisors_logo.png?width=287&height=111&name=Advocate_Health_Advisors_logo.png) ](https://www.advocatehealthadvisors.com/) [![AmeriLife](https://lhc.naifa.org/hubfs/amerilife.svg)](https://amerilife.com/) [![HealthPlanOne-Primary-Logo](https://lhc.naifa.org/hubfs/HealthPlanOne-Primary-Logo.jpg) ](https://www.hpone.com/) [![Integrity-1](https://lhc.naifa.org/hubfs/Integrity-1.svg)](https://integrity.com/) [![messer-logo-hi-res](https://lhc.naifa.org/hs-fs/hubfs/messer-logo-hi-res.png?width=150&height=75&name=messer-logo-hi-res.png)](https://www.messerfinancial.com/) [![Ritterin](https://lhc.naifa.org/hubfs/Ritter.png) ](https://ritterim.com/) [![SeniorMarketSales_Logo](https://lhc.naifa.org/hs-fs/hubfs/SeniorMarketSales_Logo.jpg?width=150&height=55&name=SeniorMarketSales_Logo.jpg)](https://www.seniormarketsales.com/) [![The Brokerage Inc](https://lhc.naifa.org/hubfs/The_Brokerage_Inc.png)](https://thebrokerageinc.com/) [![advocacy-logo-1](https://lhc.naifa.org/hs-fs/hubfs/advocacy-logo-1.png?width=400&height=129&name=advocacy-logo-1.png) ![advocacy-logo-1](https://lhc.naifa.org/hs-fs/hubfs/advocacy-logo-1.png?width=400&height=129&name=advocacy-logo-1.png) ](https://advocacy.naifa.org/news) [**](https://lhc.naifa.org/mcblog/medicare-supplements-and-what-people-actually-use-them-for#tmpmodule_1737967151068152) - 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