Explore Medicare Supplement (Medigap)

When comparing Medicare Supplement companies, don’t compare benefits first—compare the same standardized plan across insurers.

There isn’t one Medicare Supplement plan that’s best for everyone. For people newly eligible for Medicare today, the three options I most often want compared are: Plan G, Plan N

Several Medicare Supplement plans, including Plan G and Plan N, provide limited emergency medical coverage while traveling outside the United States.

One of the advantages of Original Medicare with Medigap is that Medigap generally doesn’t use a traditional provider network within the United States.

A Medicare Supplement plan doesn’t generally use its own doctor network. Because Medigap works with Original Medicare, you can generally use doctors, specialists and hospitals nationwide that participate in or

Medicare Supplement insurance companies generally use one of three pricing methods: community-rated, issue-age-rated or attained-age-rated.

One of the best ways to potentially lower your Medicare Supplement premium is to compare the same standardized plan across multiple insurance companies.

Medicare Supplement premiums can increase over time because of several factors, including inflation, rising healthcare costs, claims experience, the insurance company’s pricing method and—in attained-age-rated policies—your increasing age.

There isn’t one national price for Medicare Supplement insurance. Medigap premiums vary by the plan you choose, insurance company, where you live and other pricing factors.

Medigap guaranteed-issue rights are federal protections that require insurance companies to offer you certain Medicare Supplement policies in specific situations, even if you have health problems.

Yes. A Medicare Supplement insurance company may be able to deny your application in certain situations if you’re outside your Medigap Open Enrollment Period and don’t have a guaranteed-issue right.

Your Medigap Open Enrollment Period is a one-time 6-month period that begins the first month you’re age 65 or older and enrolled in Medicare Part B.

You can apply to change Medicare Supplement plans at any time, but that doesn’t mean an insurance company must accept you.

A Medicare Part B excess charge is an additional amount that certain healthcare providers may legally charge above the Medicare-approved amount when they don’t accept Medicare assignment.

Medicare Supplement Plan N can require a copayment of up to $20 for certain office visits and up to $50 for certain emergency-room visits that don’t result in inpatient admission.

Medicare Supplement Plan N covers many of the major out-of-pocket costs left by Original Medicare, including the Medicare Part A deductible and most Part A and Part B coinsurance.

Medicare Supplement Plan G covers nearly all of the major Medicare-approved out-of-pocket gaps left by Original Medicare.

Compare Medicare Supplement Plan F vs Plan G. Discover key coverage differences, costs, deductible rules, and find out which Medigap plan is best for you.

Compare Medicare Plan G vs High Deductible Plan G, including premiums, deductibles, coverage, out-of-pocket costs, and how each plan works in 2026.