Compare Medicare Supplement plans based on your doctors, prescriptions, and total cost. Find the best Medigap coverage available in your area. Free comparison with instant quotes - no obligation required. See plans in minutes.
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Medicare Supplement (Medigap) insurance helps pay some of the healthcare costs that Original Medicare doesn't cover.
Medicare Supplement insurance works alongside your Original Medicare (Part A and Part B) coverage. While Medicare pays its share of your covered healthcare costs, Medigap helps pay some of the remaining costs, such as copayments, coinsurance, and deductibles.
With Medicare Supplement coverage, you can see any doctor or provider who accepts Medicare - there's no network restrictions. This gives you the freedom to choose your healthcare providers without worrying about whether they're in-network.
See any doctor who accepts Medicare nationwide
Know exactly what you'll pay with consistent premiums
Get coverage anywhere in the United States
The best time to buy a Medicare Supplement plan is during your Open Enrollment Period. This 6-month period begins on the first day of the month you're both 65 or older AND enrolled in Medicare Part B.
During Open Enrollment, insurance companies can't deny you coverage or charge you more due to pre-existing conditions.
After this period, you may not be able to buy a Medigap policy, or it may cost more due to your health status.
Medicare Supplement plans are standardized by the federal government. Use this chart to compare coverage across different plan types.
| Benefit | Plan A | Plan B | Plan G | Plan N |
|---|---|---|---|---|
| Part A Coinsurance & Hospital | ||||
| Part B Coinsurance | $20 Copay | |||
| Blood (First 3 Pints) | ||||
| Part A Deductible | ||||
| Part B Deductible | ||||
| Part B Excess Charges | ||||
| Foreign Travel Emergency |
Note: Plans C and F are no longer available to new Medicare beneficiaries as of January 1, 2020. If you were eligible before 2020, you may still have these plans.
Get answers to common questions about Medigap coverage
Medicare Supplement plan costs vary based on the plan type, insurance company, your age, location, and gender. Premiums can range from around $50 to $300+ per month. While higher-tier plans like Plan G have higher premiums, they can save you money on out-of-pocket costs. Compare plans in your ZIP code to find the best value.
No, Medicare Supplement plans do not include prescription drug coverage. If you have Original Medicare and a Medigap plan, you'll need to purchase a separate Medicare Part D prescription drug plan for medication coverage. Compare Part D plans to find one that covers your medications at the lowest cost.
Yes! With Medicare Supplement insurance, you can see any doctor or healthcare provider who accepts Medicare - there are no network restrictions. This gives you the freedom to keep your current doctors as long as they participate in Medicare. Over 90% of doctors nationwide accept Medicare assignment.
Plan G and Plan N are the most popular Medicare Supplement plans. Plan G offers more comprehensive coverage, including Part B excess charges, but typically has higher monthly premiums. Plan N has lower premiums but requires small copayments for doctor visits ($20) and emergency room visits ($50), and doesn't cover Part B excess charges. Compare both plans in your area to decide which is best for your budget.
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