Medigap · Licensed in 48 states

Medicare Supplement Plans

Cover the gaps Original Medicare leaves behind

Original Medicare pays most of your costs, not all of them, and there is no cap on what the remainder can reach. A Medicare Supplement — Medigap — covers those gaps. Benefits are standardized by law, so the difference between carriers comes down to price and service.

What to expect

Medicare Supplement: what to expect

Three things make Medigap unusual, and all three work in your favour once you understand them.

Benefits are standardized

A Plan G from one carrier covers exactly what a Plan G from any other carrier covers. The benefits are set by law, which means you are comparing price and service rather than fine print.

Any doctor who takes Medicare

No networks and no referrals. If a provider accepts Medicare, your supplement works there — anywhere in the country. For anyone who travels or splits the year between two states, this is the deciding factor.

Your window matters enormously

During Medigap Open Enrollment you cannot be refused or charged more for health history. Outside it, most states allow medical underwriting, and a carrier can decline you. This one timing rule shapes the whole decision.

Same benefits, very different premiums

Because the benefits are identical, the only sensible approach is to compare price across carriers for the same plan letter — and to ask how each carrier has raised rates historically.

We quote the carriers we represent side by side so the comparison is like for like.

Plan types

The plans most people choose

There are several plan letters, but the great majority of new enrollees choose between these three.

Plan G

The most comprehensive option available to people newly eligible. Once you have met the Part B deductible, Plan G covers the remaining gaps — including excess charges. Highest premium of the three, and the most predictable outcome when you need care.

Plan N

Similar to Plan G with a lower premium, in exchange for small copays on some office and emergency visits and no coverage for Part B excess charges. Suits people who see doctors infrequently and would rather hold the monthly cost down.

High-deductible Plan G

The same Plan G benefits, but you pay a set deductible before the plan begins covering. Much lower premium. Worth considering if you are comfortable carrying the deductible risk, and worth avoiding if a bad year would strain you.

Side by side

Compare the difference in Medigap plans

All three sit on top of Original Medicare. The trade is monthly premium against what you pay when you use care.

Feature	Plan G	Plan N	High-deductible G
In short	Most comprehensive	Lower premium, small copays	Lowest premium, you carry a deductible
You pay	The Part B deductible, then generally nothing further for covered services.	The Part B deductible, plus modest copays on some office and emergency visits.	A set annual deductible first, after which benefits match Plan G.
Excess charges	Covered	Not covered	Covered after the deductible
Pros	Most predictable costs No networks, nationwide Covers excess charges	Lower monthly premium Same freedom of provider Good value if you rarely visit	Lowest monthly premium Full Plan G benefits after deductible
Cons	Highest premium	Copays at point of care No excess charge protection	Significant out-of-pocket before coverage starts Harder to budget in a bad year
Best suited to	People who want certainty and use care regularly	Healthy people who see doctors occasionally	People comfortable carrying risk to cut premium

Scroll sideways to compare all three →

What to check before you buy

Six things that matter more than the plan letter itself.

Your Medigap windowGuaranteed acceptance only lasts so long

Medical underwritingApplies outside your open window in most states

How the carrier pricesAttained age, issue age or community rated

Rate increase historyStandardized benefits, very different track records

Part D is separateMedigap does not include drug coverage

Foreign travel benefitIncluded on some plan letters, useful if you travel

Common questions

Does a Medicare Supplement include drug coverage?

No. Medigap plans sold today do not include prescription drug coverage. You would add a standalone Part D plan alongside it. Going without creditable drug coverage builds a late enrollment penalty, so this is not a step to skip.

When can I buy without health questions?

During your Medigap Open Enrollment Period, which generally begins when you are 65 and enrolled in Part B and lasts six months. In that window you cannot be refused or charged more for health history. Certain guaranteed issue rights also apply in specific circumstances, such as losing other coverage.

Can I switch supplements later?

You can apply at any time, but outside a protected window most states allow the carrier to underwrite you — and to decline. Do not cancel existing coverage until a new policy has been issued in writing.

Are plans really identical between carriers?

For the same plan letter, yes — benefits are standardized by law. What differs is the premium, how the carrier raises rates over time, and the quality of service. That is why comparing price for the same letter is the whole exercise.

Why do premiums differ so much for the same plan?

Carriers use different pricing methods — attained age, issue age or community rated — and different assumptions. A low starting premium on an attained-age policy can rise faster than a higher starting premium elsewhere, so the cheapest quote today is not always the cheapest over ten years.

Can I get Plan F?

Plan F is generally only available to people who were eligible for Medicare before 2020. If you became eligible after that, Plan G is the closest equivalent still open to you.

Medigap quotes specialized for you

Tell us your age, ZIP code, tobacco use and whether you are inside your Medigap Open Enrollment window. A licensed agent will compare carriers for the same plan letter so the price difference is clear.

All Solution Plus is a licensed insurance agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP), to get information on all of your options. All Solution Plus is not connected with or endorsed by the United States government or the federal Medicare program. Plan availability, benefits, premiums, deductibles, provider networks, drug formularies and cost sharing vary by plan, by carrier and by county, and change each calendar year. Figures quoted by Medicare change annually — confirm current amounts before making a decision. Coverage is governed solely by the terms of the policy or plan issued.