Compare Medigap Rates
Price is the primary difference between Medigap policies with the same letter sold by different companies. Enter your ZIP code to see plans offered in your state, then compare real policy options side by side. Medigap benefits are standardized by law, so the coverage for the same plan letter is the same across insurers – only the premium, underwriting, and customer service differ.
Once you enter your ZIP code, our system instantly pulls up the Medicare Supplement (Medigap) plans offered in your area, along with the companies that provide them. This ensures you see only the options that are actually available to you, rather than wasting time sifting through plans you can’t buy.
Comparing plans side by side makes it easier to understand the differences in monthly premiums, coverage levels, and out-of-pocket costs. Whether you’re looking for broad protection like Plan G or a lower-cost option like Plan N, you’ll have the information you need to make a confident decision.
Before You Compare
Premiums can vary widely by company and location. Even when two companies sell the same plan letter, their prices may be different due to rating methods, discounts, and underwriting rules.
- Standardized benefits: Plan letters mean the same benefits across insurers in most states.
- Shop the price, not the letter: If two Plan G options are available, compare the monthly premium and any fees.
- Work with licensed, reputable insurers: Be cautious of high-pressure tactics or offers that sound too good to be true.
- State exceptions: Minnesota, Massachusetts, and Wisconsin use different Medigap standards.
How Medigap Pricing Works
Same letter – same benefits. The plan letter determines coverage, not the company. What changes is the monthly premium and how the company sets rate increases over time.
- Location matters: Rates differ by state and sometimes by ZIP code.
- Enrollment timing: Your Medigap Open Enrollment Period can affect underwriting and acceptance.
- Discounts and extras: Household or autopay discounts can reduce your premium.
Compare Benefits At a Glance
Use the grid below to see what each plan covers. Then pick the best price for the plan letter that fits your needs.
Benefits offered by each Medigap plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future. You might not be able to switch Medigap policies later.
✔ = Plan covers 100% ✘ = Plan doesn’t cover % = Amount the plan covers
| Benefits | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B copays/coinsurance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Blood (first 3 pints) | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Skilled nursing facility | ✘ | ✘ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A deductible | ✘ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ |
| Part B deductible | ✘ | ✘ | ✔ | ✘ | ✔ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Part B excess charges | ✘ | ✘ | ✔ | ✘ | ✔ | ✔ | ✘ | ✘ | ✘ | ✔ |
| Foreign travel emergency | ✘ | ✘ | 80% | 80% | 80% | ✘ | ✘ | ✘ | 80% | 80% |
| $7,220 | $3,610 | |||||||||
Quick Tips for Smarter Shopping
- Plan G vs Plan F: New beneficiaries cannot buy Plan F. Plan G is often the most comprehensive option available to new enrollees.
- Plan N tradeoffs: Lower premiums – possible copays and Part B excess charge differences depending on your state.
- High deductible choices: Some areas offer a high deductible version of Plan G with a lower monthly premium – you pay the deductible first, then the plan pays per its benefits.
Frequently Asked Questions
Is Plan G the same from every company? Yes. The benefits are standardized – what varies is the monthly premium, underwriting, and service.
How often do rates change? Insurers may adjust rates periodically. Comparing annually helps you stay on a competitive premium.
What do I need to get quotes? Typically your ZIP code, age, Medicare Part A and B start dates, and tobacco status. Some companies ask additional health questions if you are applying outside guaranteed-issue windows.
Can I switch plans later? You can apply to switch, but acceptance and pricing may depend on underwriting in your state and your timing. Check your state rules and any guaranteed-issue rights you may have.
Next Steps
Enter your ZIP above to view real plan options and pricing. Compare by plan letter first – then choose the best price from a licensed, trustworthy insurer.