6 months
Medigap Open Enrollment
Generally starts when you are 65 or older and your Part B coverage begins.
How would you like to compare Medigap plans?
- Free
- No account
- No sales calls
Medicare plans, providers, and costs vary by location. Your ZIP code helps us show you accurate options for your area.
- Plans compared
- Standardized Medigap plan letters A–N, defaulting to Plan G
- Coverage
- Medigap rates in 46 states
- Data source
- Carrier rate filings; each result shows current pricing
- Cost to use
- Free — no account or sales calls
How do I compare Medigap (Medicare Supplement) plans?
Enter your ZIP code and age above to see real Medicare Supplement (Medigap) rates from the carriers available where you live. Medigap plans are standardized by the federal government, so a Plan G from one carrier covers exactly the same things as a Plan G from another — the difference is the monthly premium and the carrier behind it. That means the smartest way to shop is to find the lowest-priced version of the plan letter you want.
What is the cheapest Medigap plan?
Because Medigap plans are standardized, the cheapest plan is usually the lowest-priced carrier offering the plan letter you want (most often Plan G or Plan N). Enter your ZIP and age above to see the lowest current rates available where you live.
Is Plan G or Plan N better?
Plan G has the most complete coverage and no copays; Plan N usually has a lower premium but adds small copays for office and ER visits. If you visit the doctor often, Plan G can be the better value; if you rarely do, Plan N can save money. Compare both prices for your ZIP above.
Same plan letter, two carrier premiums
Illustrative example only. The benefits match; actual premiums depend on the carrier and your situation.
Example Plan G · Carrier A
Lower monthly premium
Same benefits
Example Plan G · Carrier B
Higher monthly premium
Same benefits
- Premium
Same Plan G benefits. The lower-premium carrier can reduce what you pay for equivalent standardized coverage.
Does the price of a Medigap plan change by carrier?
Yes. The benefits of a given plan letter are identical by law, but premiums vary widely between carriers — sometimes by hundreds of dollars a year for the exact same coverage. Comparing carriers is the whole point of shopping Medigap.
When can I buy a Medigap plan?
The key Medigap windows to know
Certain events
Guaranteed-issue rights
Losing some coverage or certain plan changes may give you extra protections.
Other times
Underwriting may apply
A carrier may ask health questions unless another protection applies.
Your best window is your 6-month Medigap Open Enrollment Period, which starts when you are 65 and enrolled in Part B. During it, carriers cannot deny you or charge more for health reasons. Outside that window you may face medical underwriting.