Medicare Supplement plans help pay the out-of-pocket costs that Original Medicare doesn’t cover—like deductibles, copays, and coinsurance. Use the quote tool to compare options, then I’ll help you choose the best fit.
No obligation. Just clear options and help understanding what the letters (G, N, etc.) really mean.
Use this secure tool to view Medicare Supplement (Medigap) plan options and pricing in your area.
Your information is kept confidential and used only to help you compare Medicare Supplement options.
Original Medicare (Part A and Part B) typically pays a portion of covered medical costs, and you pay the rest. A Medicare Supplement plan helps fill those gaps—so your costs can be more predictable. Medigap plans work alongside Original Medicare and are offered by private insurance companies.
Covers some (or most) deductibles, copays, and coinsurance that you’d otherwise pay out of pocket with Original Medicare.
Plan letters (like G or N) have standardized benefits. A Plan G is the same benefits across carriers—price and service differ.
Generally accepted anywhere Original Medicare is accepted—great for travelers or anyone who wants broad access.
Both options can be good—what matters is how you prefer to pay for care, your doctors, and your risk tolerance for out-of-pocket costs. Here’s a simplified comparison:
| Feature | Medicare Supplement (Medigap) | Medicare Advantage (Part C) |
|---|---|---|
| How It Works | Adds coverage to Original Medicare | Replaces Original Medicare for most services |
| Doctor Choice | Typically broad (any provider accepting Medicare) | Often network-based (HMO/PPO rules vary) |
| Out-of-Pocket Predictability | Often more predictable (depends on plan letter) | Pay-as-you-go copays; has annual max out-of-pocket |
| Premium | Usually higher premium | Often lower premium (sometimes $0 premium plans) |
| Travel / Snowbird Friendly | Typically strong for nationwide access | Varies by plan/network and service area |
This is a simplified overview. Plan rules vary by carrier, county, and enrollment period.
The most important concept is your Medigap Open Enrollment Period—it’s typically the easiest time to enroll because you may have stronger protections and fewer health-related hurdles.
• Broad access to doctors nationwide
• Predictable costs and fewer surprises
• Flexibility for travel or multiple residences
• A “pay more monthly, pay less later” approach
• Plan G vs Plan N: which fits your usage and budget?
• How pricing works (attained-age vs issue-age, household discounts)
• When you can switch plans and what underwriting may apply
• Pairing Medigap + Part D for complete coverage
Use the quote tool to explore Medigap plan letters and pricing in your area—then reach out if you want help narrowing it down.
Get My Med Supp Quote