Get a Quote (445) 300-7597

Mon–Fri 8am–8pm ET

Medigap

Medicare Supplement Insurance

Medicare Supplement plans, also called Medigap, work alongside Original Medicare to help pay costs like deductibles, copayments, and coinsurance. We help you compare standardized plans and pricing from carriers in your area.

Compare Medigap Plans Call (445) 300-7597
  • Keep your freedom to see any provider that accepts Medicare
  • Help comparing premiums across carriers
  • No cost to work with us
Relaxed senior couple at home feeling secure about their coverage

Compare Medigap rates near you

Premiums vary by carrier, age, and location. Your information stays private.
Smiling older couple standing by a sunny window

Overview

What Is a Medicare Supplement Plan?

Original Medicare pays for much, but not all, of the cost of covered health care. You are usually responsible for deductibles, coinsurance, and copayments, and there is no yearly limit on what you might pay.

A Medicare Supplement policy is sold by private insurance companies to help fill those gaps. Medicare pays its share first, and then your Medigap plan pays its share of the remaining approved costs.

Because Medigap works with Original Medicare, you can generally see any doctor or hospital in the country that accepts Medicare, with no network and no referrals.

  • Works only with Original Medicare, not Medicare Advantage
  • Covers one person; spouses need separate policies
  • Does not include prescription drug coverage
  • Policies are guaranteed renewable as long as premiums are paid

Advantages

Why People Choose Medicare Supplement Coverage

Provider freedom

See any provider in the U.S. that accepts Medicare patients.

Predictable costs

Many plans leave you with few or no out-of-pocket costs for covered care.

Travel-friendly

Coverage goes with you across the country, and some plans help with emergency care abroad.

Standardized plans

Plans with the same letter offer the same core benefits, no matter the carrier.

Plan Letters

Understanding Medigap Plan Letters

In most states, Medigap plans are standardized and identified by letters. The benefits of each lettered plan are the same across insurers — what differs is the premium and the company’s service.

  • Same benefits, different pricesA Plan G from one carrier has the same core benefits as a Plan G from another, so comparing premiums matters.
  • How premiums are pricedCarriers may price by your current age, your age when you bought the policy, or the same rate for everyone.
  • Timing mattersBuying during your Medigap Open Enrollment Period gives you the strongest protections.
BenefitPlan GPlan NHigh-Deductible Plan G
Part A coinsurance and hospital costs Yes Yes Yes, after deductible
Part A deductible Yes Yes Yes, after deductible
Part B coinsurance or copayment Yes Yes, with some copays Yes, after deductible
Part B deductible No No No
Part B excess charges Yes No Yes, after deductible
Foreign travel emergency (up to plan limits) Yes Yes Yes, after deductible

Simplified overview. Plans C and F are only available to people who were eligible for Medicare before January 1, 2020. Massachusetts, Minnesota, and Wisconsin standardize plans differently. Deductible amounts are set annually.

Couple completing a Medicare Supplement enrollment on a tablet

Timing

The Best Time to Buy a Medigap Policy

Your Medigap Open Enrollment Period is a one-time, six-month window. It starts the first month you are both 65 or older and enrolled in Medicare Part B.

During this window, insurers generally cannot deny you a policy or charge you more because of your health history. After it ends, you may have to answer health questions and could be charged more or turned down, unless you have a guaranteed issue right under federal or state rules.

Some states offer additional protections, so it is worth asking an agent what applies where you live.

Learn About Enrollment Periods

Complete Your Coverage

Medigap Works Best as Part of a Plan

Because Medigap does not cover prescriptions, most people pair it with a stand-alone Part D plan.

Original Medicare

Parts A and B provide your core hospital and medical coverage.

Medicare Supplement

Helps pay the costs Parts A and B leave behind.

Part D Drug Plan

Adds coverage for the prescriptions you take.

Questions

Medicare Questions, Answered

Still have questions?

Talk with a licensed insurance professional.

(445) 300-7597 Mon–Fri 8am–8pm ET

Medicare is the federal health insurance program for people 65 and older, as well as some younger people with certain disabilities, End-Stage Renal Disease (ESRD), or ALS. It is made up of several parts that cover hospital care, medical services, and prescription drugs. Many people also add private coverage to help with costs Medicare does not fully pay.

Medicare Advantage, also called Part C, is an alternative way to receive your Medicare benefits through a private insurance company approved by Medicare. These plans cover everything Parts A and B cover (except hospice, which Original Medicare still covers), and many include prescription drug coverage and extra benefits such as dental or vision. Plans usually use provider networks, and costs and benefits vary by plan and location.

A Medicare Supplement plan, also known as Medigap, is a private insurance policy that works alongside Original Medicare. It helps pay some of the costs Original Medicare does not, such as deductibles, coinsurance, and copayments. Medigap plans do not include prescription drug coverage, so many people pair them with a Part D plan.

Medicare Part D is prescription drug coverage offered by private insurers approved by Medicare. You can get it as a stand-alone plan that works with Original Medicare, or as part of a Medicare Advantage plan. Each plan has its own list of covered drugs, so it is important to check that your medications are included.

Most people first enroll during their Initial Enrollment Period, a 7-month window that includes the 3 months before, the month of, and the 3 months after the month they turn 65. After that, you can make changes during the Annual Enrollment Period from October 15 to December 7, or during a Special Enrollment Period if you have a qualifying life event. Enrolling late in some parts may result in penalties.

Yes, during certain times of the year. The Annual Enrollment Period (October 15 to December 7) lets you join, switch, or drop Medicare Advantage and Part D plans, and the Medicare Advantage Open Enrollment Period (January 1 to March 31) lets Advantage members make one change. You may also qualify for a Special Enrollment Period after events like moving or losing other coverage.

Compare Rates

Find a Medigap Plan at a Price That Fits

Because plan benefits are standardized, comparing premiums can make a real difference. Let a licensed agent do the comparison for you.

Compare Medigap Rates Call (445) 300-7597

Free Quote

Request Medicare Supplement Quotes

A licensed agent will review options and pricing from carriers available in your area.

  • Rates compared across carriers
  • Help understanding plan letters
  • No cost, no obligation

Medigap Quote Request

Your information is protected and used only to respond to your request. See our Privacy Policy.

Call Get a Quote