Compare plans today.

Comparing plans

Medicare Supplement Insurance Quote

Christian Worstell

by Christian Worstell | Published April 26, 2021 | Reviewed by John Krahnert

Getting a quote for Medicare Supplement Insurance plans is easy. By simply calling 1-800-995-4219, you can speak to a licensed agent today who can help you compare quotes from plans available in your area.

Medicare Supplement Insurance plans can help cover some of the out-of-pocket costs that Original Medicare (Part A and Part B) doesn't cover, such as deductibles, copayments and coinsurance. You can compare plans and request a free quote online today.

Grandparents drive grandkids in car

When to Get a Medigap Insurance Quote

The best time to purchase a Medicare Supplement Insurance (or Medigap) plan is during your six-month Medigap open enrollment period. It begins the first day that you are:

  • 65 years of age or older

-  and -

  • Enrolled in Medicare Part B

During the open enrollment period, you cannot be subjected to medical underwriting by an insurance provider, which means you cannot be charged more for a plan or denied coverage altogether based on your current health status. But once your one-time open enrollment period ends, insurance companies may apply underwriting to your quote or even deny you coverage entirely.

It's easy to understand then why it's so important to enroll in a Medicare Supplement Insurance plan during the open enrollment period. It's a good idea to begin gathering quotes in the early stages of this period — or even prior to the start of it — in order to allow yourself ample time to select the right plan at the right price.

Factors That May Affect a Quote

In addition to any potential medical underwriting, there are a few other factors that can affect a Medicare Supplement Insurance quote. 

Location

Not every Medicare Supplement Insurance plan is made available in every state. And because these plans are sold by private insurance companies, quotes can be affected by the local market and can differ in price from one state to the next. 

Pricing Structure

Medicare Supplement Insurance plans may be priced using one of three different models. 

  1. Community-rated
    These Medigap plans are available to customers at the same cost, regardless of age.

  2. Issue age-rated
    The cost of these plans are based on your age at the time of your application.

  3. Attained age-rated
    The rates for these Medicare Supplement Insurance plans increase as you age.

Discounts

The price of a Medicare Supplement Insurance plan may also be affected by any discounts offered by the companies selling the plans. Discounts are sometimes made available to married couples, non-smokers, women and customers who pay their premiums through an electronic funds transfer. 

Coverage

Each Medicare Supplement Insurance plan offers a slightly different combination of benefits than the rest. Typically, plans that offer more coverage can cost more than plans offering less coverage. 

Use the chart below to compare the basic benefits included with each type of plan. 

Click here to view enlarged chart

Scroll to the right to continue reading the chart

Scroll for more

Medicare Supplement Benefits

Part A coinsurance and hospital coverage

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

First 3 pints of blood

Skilled nursing facility coinsurance

Part A deductible

Part B deductible

Part B excess charges

Foreign travel emergency

Medicare Supplement Benefits A B C* D F1* G1 K2 L3 M N4
Part A coinsurance and hospital coverage
Part B coinsurance or copayment 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Skilled nursing facility coinsurance 50% 75%
Part A deductible 50% 75% 50%
Part B deductible
Part B excess charges
Foreign travel emergency 80% 80% 80% 80% 80% 80%

* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

+ Read more

1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.

- Read less

Free Medicare Supplement Insurance Plan Quotes

A licensed insurance agent can gather quotes from some insurance carriers in your area and provide you with a selection of competitive Medicare Supplement Insurance quotes.

Speak with a licensed agent today at 1-800-995-4219 to learn more about your Medicare Supplement Insurance options.

Resource Center

Compare Medigap Plans 2021

See how the 10 Medigap plans differ. Review our chart for a detailed comparison of Medicare Supplement insurance benefits and compare Medigap options where you live. Read more
Email newsletter

Sign up for more information!

Enter your email address and get a free guide to Medicare and Medicare Supplement Insurance.

By clicking "Sign up now" you are agreeing to receive emails from MedicareSupplement.com.

We've been helping people find their perfect Medicare plan for over 10 years.

Ready to find your plan?

Or chat about my options with an agent

1-800-995-4219