Question 1

What is Medicare Supplement insurance?

Accepted Answer

Medicare Supplement (Medigap) insurance is private insurance that helps pay for out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Medigap policies are standardized and regulated by federal and state law. These plans work alongside Original Medicare Part A and Part B to provide comprehensive coverage.

Question 2

When can I enroll in Medicare Supplement?

Accepted Answer

The best time to buy a Medigap policy is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this period, you have guaranteed issue rights and cannot be denied coverage or charged higher premiums due to health conditions. You can also enroll outside this period, but you may face medical underwriting.

Question 3

What is the difference between Medicare Supplement and Medicare Advantage?

Accepted Answer

Medicare Supplement (Medigap) works with Original Medicare to cover out-of-pocket costs and allows you to see any doctor that accepts Medicare nationwide with no network restrictions. Medicare Advantage (Part C) replaces Original Medicare with a private plan that typically has network restrictions but may include extra benefits like dental, vision, and prescription drug coverage. Medigap provides more flexibility but requires a separate Part D plan for prescription drugs. See our complete comparison guide at /resources/medigap-vs-medicare-advantage for detailed side-by-side analysis.

Question 4

Which Medicare Supplement plan is best?

Accepted Answer

The best Medicare Supplement plan depends on your individual needs and budget. Plan G is currently the most popular choice for new enrollees, offering comprehensive coverage with only the Part B deductible not covered. Plan N provides a more affordable option with modest copayments. Plan F offers the most comprehensive coverage but is only available to those who became eligible for Medicare before January 1, 2020. Compare plans based on your healthcare usage, budget, and coverage preferences.

Question 5

How much does Medicare Supplement insurance cost?

Accepted Answer

Medicare Supplement premiums vary based on several factors including your location, age (in most states), tobacco use, the plan you choose (Plan G, Plan N, etc.), and the insurance carrier. On average, premiums range from $150-$400+ per month. Plan N typically has lower premiums than Plan G, which has lower premiums than Plan F. It is important to compare quotes from multiple carriers as the same standardized plan can vary significantly in cost between insurance companies.

Medicare Supplement Plan G & Medigap Plans 2025

Why Plan G is America's #1 Medigap Plan

Plan G Quick Facts

Plan G Resources & Guides

Enrollment Guide

Plan G vs Plan F

Plan G vs Plan N

Plan G Cost Guide

Plan G Coverage

Find Medicare Supplement Plans in Your Area

Find Medicare Supplement Plans in Your Area

Understanding Medicare Supplement Insurance

What is Medicare Supplement?

Most Popular Medigap Plans

Consider Medicare Advantage with Part B Give Back

Medigap vs Medicare Advantage Comparison

Medicare Supplement Plans by Location

State Coverage

County Coverage

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