Compare Medigap Rates in Your Area
Enter your ZIP code to see real rates from carriers licensed in your state.
Step 1 of 3
Your ZIP code
Medigap (Medicare Supplement) rates vary by location and age. Enter your ZIP to see plans available in your area.
Next: a little about you, then your enrollment window
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.
Plan G and Plan N are the two most popular choices for people new to Medigap. Plan G covers everything Original Medicare leaves behind except the small annual Part B deductible. Plan N has a slightly lower premium in exchange for small copays at the doctor and ER. This tool shows current rates so you can compare exact prices for your ZIP and age.
- Plans compared
- Standardized Medigap plans, including Plan G and Plan N
- Coverage
- Medigap rates in 48 states
- Data source
- Carrier rate filings; each result shows current pricing
- Cost to use
- Free — no account or sales calls
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.
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?
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.