Medicare Supplement plans with predictable costs.
Medigap plans pay most of what Original Medicare leaves behind, and you can see any doctor in the U.S. who accepts Medicare.
No networks
Use any doctor or hospital in the U.S. that accepts Medicare. No referrals needed.
Broad, predictable coverage
Covers the gaps in Original Medicare except the Part B deductible ($283 in 2026).
Medigap Open Enrollment
Starts when you’re 65 or older and enrolled in Part B. You can buy any plan sold in your state, regardless of health.
Drugs are separate
Medigap plans don’t include prescription coverage, so most people pair them with a Part D plan.
Original Medicare covers a lot, but not everything. After the Part A and Part B deductibles you still pay coinsurance, usually 20% of the Medicare-approved amount for most Part B services, with no yearly cap. A Medicare Supplement plan, also called Medigap, helps pay those costs.
How Medicare Supplement plans work
Medigap plans are sold by private insurance companies and work alongside Original Medicare. Medicare pays its share first, then your Supplement pays its share. Because you stay on Original Medicare, you can see any doctor or hospital in the country that accepts Medicare.
Plans are standardized, prices are not
Medigap plans are named by letter, and in most states every plan with the same letter has the same benefits, no matter which company sells it. Prices, however, can differ quite a bit between companies for the exact same coverage. That is why comparing carriers matters.
Plan G
Plan G covers the gaps in Original Medicare except the Part B deductible, which is $283 in 2026. Once you’ve met that deductible, covered services are generally paid in full.
Plan N
Plan N usually has a lower premium. You pay the Part B deductible, small copays for some office and emergency room visits, and any Part B excess charges.
Plan F
Plan F is only available to people who were eligible for Medicare before January 1, 2020.
When to buy
The best time to buy is your six-month Medigap Open Enrollment Period, which starts the month you’re 65 or older and enrolled in Part B. During this window, companies can’t turn you down or charge more because of your health. After it ends, most states allow insurers to ask health questions. Learn more in What is a Medicare Supplement plan?
Choosing a Supplement plan
- Plan G, Plan N and other letters explained simply
- Prices compared across top carriers for the same plan
- Timing your purchase around your Open Enrollment Period
- A Part D plan matched to your prescriptions
- Rate reviews in later years, so you don’t overpay
Related reading
What Is a Medicare Supplement Plan and Who Needs One?
A Medicare Supplement plan fills the gaps Original Medicare leaves open. Learn what Medigap covers, who needs most, what it typically costs in 2026.
Read article
What Does Medicare Part B Cost in 2026? A Clear Breakdown
Wondering what does Medicare Part B cost in 2026? The standard premium is $202.90 a month with a $283 deductible. A licensed broker can help you plan.
Read article
Medicare Annual Enrollment Period: What Can You Change?
Medicare Annual Enrollment Period: October 15 to December 7. Learn what changes you can make, what cannot change, how to compare plans before January 1.
Read articleFrequently asked questions
What is the difference between Medicare Supplement and Medicare Advantage?
A Supplement works with Original Medicare and lets you see any doctor who accepts Medicare, with predictable costs and a higher monthly premium. Medicare Advantage replaces how you get your benefits, usually uses a network, and often has lower premiums with copays as you use care.
Can I be turned down for a Medicare Supplement?
During your six-month Medigap Open Enrollment Period, you can’t be turned down or charged more because of your health. Outside that window, most states let insurers use medical underwriting, though some situations give you guaranteed rights.
Does a Medicare Supplement cover prescriptions?
No. Medigap plans sold today don’t include drug coverage, so most people add a separate Part D plan.
Is the same plan really the same with every company?
In most states, yes. A Plan G from one company has the same benefits as a Plan G from another. The price, rate history and customer service are what differ.
Is there a cost to work with you?
No. The insurance company pays the broker.
Choose your Medigap plan with confidence.
Same plan letter, different prices. We compare companies for you so you don’t overpay.