A Medicare Supplement plan (also called Medigap) pays the costs Original Medicare leaves behind: deductibles, the 20% Part B coinsurance and, with some plans, Part B excess charges. You can see any doctor nationwide who accepts Medicare, with no network and no referrals. Enter your ZIP below to compare rates from the carriers in your area.
Compare Medicare Supplement rates in your area
Plan G, Plan N, High-Deductible G and more from top carriers. Enter your ZIP to see prices.
Prefer to talk it through? Call 855-847-7020 or book a call.
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
What a Medicare Supplement covers
Original Medicare (Parts A and B) covers a lot, but not everything. In 2026 you would pay a $1,736 Part A deductible for each hospital benefit period, a $283 Part B deductible, and 20% of Part B costs with no yearly cap. A Medigap plan picks up some or all of those costs, depending on the plan letter you choose.
Plan benefits 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 only real differences are price, rate increase history and customer service. That is why comparing carriers matters.
The most popular plans
Plan G
The most complete plan new enrollees can buy. After you pay the Part B deductible, it covers the rest of your Medicare-approved costs, including Part B excess charges.
Plan N
Lower premium than Plan G. You pay the Part B deductible, up to $20 for some office visits, up to $50 for ER visits that do not lead to admission, and any excess charges.
High-Deductible G
Same coverage as Plan G after a yearly deductible ($2,950 in 2026, $3,050 in 2027), for a much lower premium.
Plan F
Covers the Part B deductible too, but it is only available if you became eligible for Medicare before January 1, 2020.
| Benefit | Plan G | Plan N | High-Deductible G |
|---|---|---|---|
| Part A deductible and hospital coinsurance | Yes | Yes | Yes, after deductible |
| Part B 20% coinsurance | Yes | Yes, except office and ER copays | Yes, after deductible |
| Part B deductible | No | No | No |
| Part B excess charges | Yes | No | Yes, after deductible |
| Skilled nursing facility coinsurance | Yes | Yes | Yes, after deductible |
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80%, after deductible |
Want the full side-by-side? See all 10 Medigap plan types compared and Plan F vs. Plan G.
When to buy
The best time to buy is your Medigap Open Enrollment Period: the 6 months that start the month you are 65 or older and enrolled in Part B. During that window, a carrier must sell you any plan it offers at its best rate, regardless of your health.
After that window closes, most states let carriers ask health questions and decline you or charge more. Some situations give you a guaranteed issue right later on, such as losing employer coverage or leaving a Medicare Advantage plan within your first year. Read when Medigap plans are guaranteed issue and whether you can change your Medigap plan anytime.
Medicare Supplement or Medicare Advantage?
A Medigap plan works with Original Medicare: you pay a monthly premium and have very little out of pocket when you need care, with any Medicare provider in the country. Medicare Advantage replaces Original Medicare with a private plan, often with a low or $0 premium, but with networks, copays and a yearly out-of-pocket maximum. Medigap does not include drug coverage, so most people pair it with a Part D plan. Compare the two in Medicare Advantage vs. Medicare Supplement.
Why compare with iHealthAgents
- Medigap rates are filed with each state, so buying through a licensed agent costs you nothing extra.
- We compare carriers side by side, including rate increase history, not just this year’s price.
- We help with the timing: your Open Enrollment window, guaranteed issue rights, and switching plans later.
- We stay your agent after you enroll, for rate increases, claims questions and plan reviews.
More Medicare Supplement answers
- Does Medicare Supplement have open enrollment?
- How to compare Medigap plans
- Can I switch from Medicare Advantage to Medigap?
- Which states allow Medicare excess charges?
- Do I need Part D if I have a supplement?
- Which Medigap plans are ideal for diabetes?
Talk to a licensed Medicare advisor
Not sure which plan fits? Book a call with our Medicare team or call us directly.
Book a Medicare callCall 855-847-7020Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. 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 to get information on all of your options. 2026 figures are from CMS; 2027 Part A and Part B amounts are published by CMS in the fall.