The Medicare Open Enrollment Period starts in . Find out if you are eligible to switch your Medicare plan early by calling 1-800-995-4219.*
Only remain in the Medicare Open Enrollment Period. You can switch your Medicare plan today by calling 1-800-995-4219.*
We've been helping people find their perfect Medicare plan for over 10 years.

Comparing Medigap Quotes

2 things to know about comparing Medigap quotes:

  1. Prices for the same standardized Medigap plan will be different from different insurers.
  2. You should review the following 5 factors when comparing Medigap quotes: benefits, plan type, insurance company, age-related pricing structure, and price.

Comparing Medicare Supplement insurance (Medigap) health insurance rates is important to ensure that you get the benefits you need at the best price available.

Even though Medigap plans are standardized, prices vary from insurer to insurer. You need to first decide which benefits you want and which particular plan options provide those benefits. After receiving several quotes from different insurers, you can compare plans based on price and eventually buy a policy. Continue reading for a step-by-step guide to comparing Medigap plans, and request a free quote today.

Step 1: Choose which Medigap benefits you want

The first step in comparing Medigap plans is deciding which costs you need your Medigap policy to cover. Medicare Supplement insurance plan options include up to 9 basic benefits that cover out-of-pocket costs not covered by Original Medicare. All plans provide the same 4 basic benefits, and there are 5 additional benefits included in only some plan options. You need to decide which optional benefits you want so that you can choose the best plan for you.

Learn more about the basic benefits that Medicare Supplement insurance plans cover.

Step 2: Choose the best Medicare Supplement Insurance plan

The second step of the Medigap comparison process is deciding which Medigap plan option is best for you. After deciding which benefits you want, you should match up the required benefits with the plan option that offers all of them.

There are 10 different standardized Medigap plan options currently available in most states. (Massachusetts, Minnesota, and Wisconsin have different options.) Each type of Medicare Supplement Insurance plan has different benefits, ranging in options from the low-coverage Plan A to the high-coverage Plan F.

Compare the basic benefits of each type of Medigap plan.

Step 3: Get Medigap plan quotes

Once you decide on a specific Medigap plan, you can begin the quote process.

You can go from company to company getting quotes or jumpstart the process by using a comparison site such as MedicareSupplement.com.

During this process, you’ll need to give some information to get your quotes. Insurers use information such as location and age to determine which plans are available in your state. For more information, read our article on how Medigap plans are priced.

Step 4: Comparing your Medigap quotes

After receiving several quotes, the final factor to review is price. Price is the only difference between one insurance company’s Plan A and another insurance company’s Plan A. It’s important to compare prices for the same standardized plan option to find out which insurance company is truly cheaper.

Keep in mind the premiums may increase in future years depending on the policy’s age-related pricing structure. Before you choose a policy, you should know exactly how pricing will change as you age. There are three age-related pricing structures used by Medigap insurers:

  1. Attained-age pricing
  2. Community-rated pricing
  3. Issue-age pricing

Learn more about how Medgiap plans are priced.

Note: If you get quotes for Plan F, make sure to note which quotes are for regular Plan F and which are for the high-deductible Plan F.

After comparing Medigap quotes and finding an insurance company that offers your desired Medigap plan, you can move on to the final step, which is purchasing a policy.

Step 5: Purchasing a Medigap Policy

After deciding on a plan type and insurance company, it is time to buy a Medigap policy.

Resource Center

Medicare Supplement Insurance (Medigap) Explained

Medicare Supplement insurance (Medigap) can help cover copays, coinsurance and deductibles that Original Medicare does not. Here's what you need to know.

Read More

Compare Medicare Supplement Insurance Plan Options

Medicare Supplement Insurance can help cover some of the health care costs that come with Original Medicare. Compare plan benefits today.

Read More

Does Medicare Cover Humira?

Humira and other prescription drugs are not covered by Medicare Parts A and B. Consider a Medicare Part D plan.

Read More

Find a Medicare Supplement Insurance Plan

Medicare Supplement Insurance (Medigap) can help pay for some of Medicare's out-of-pocket costs, including deductibles, copayments and coinsurance.

Read More

Medicare Supplement Insurance Plan Comparison Guide

A Medicare Supplement Insurance plan, also called Medigap, can help cover some of the costs Original Medicare doesn't, such as copays and deductibles.

Read More

Medicare Supplement Insurance Plan G: Basic Benefits

Medicare Supplement Insurance Plan G is designed to help pay some of the out-of-pocket costs of Original Medicare.

Read More

Medigap Insurance for Medicare

Medicare supplement insurance, known as Medigap, helps reduce some of the out-of-pocket costs of Original Medicare.

Read More

Comparing Medicare Supplement Insurance Plans in 2017

Compare Medigap plan benefits to find the right Medicare Supplement Insurance plan option for you in 2017. Get free policy quotes today.

Read More

Understanding Medigap Benefits | Medicare Supplement Insurance

Are you paying too much for health care? If you are enrolled in Original Medicare, a Medigap policy could help cover your deductibles and other costs.

Read More