Medicare pays 80%. Medigap can cover nearly all the rest.
Compare Plan G and Plan N prices from multiple insurance companies in about a minute. A licensed agent helps you pick, and it costs you nothing.
- Keep any doctor or hospital in the U.S. that accepts Medicare
- Same Plan G benefits at every company. Only the price changes.
- Free to compare. No obligation to apply.
Your Part B medical costs
With Original Medicare alone, you pay 20% of every bill with no yearly limit, plus a $1,736 deductible for each hospital stay.
See your Medigap prices
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- A licensed agent compares Plan G and Plan N prices for your ZIP code.
- They'll call you at during business hours (Mon–Fri 8am–8pm ET).
- You choose a plan, or don't. There's no obligation.
Rather talk now? Call (888) 809-1304 (TTY 711).
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- Licensed agentsReal people, not a call center script
- Multiple carriersOne request, several prices
- 100% freeNo cost, no obligation to apply
- Standardized plansPlan G is Plan G at every company
See what you'd pay for a real medical event
Pick a situation. These use 2026 Medicare deductibles and Medicare-approved amounts.
A 4-day hospital stay: what you pay
Two ways to fill the gap. They work very differently.
Medigap works alongside Original Medicare. Medicare Advantage replaces it with a private plan and a network.
| Medigap Plan G PopularSupplements Original Medicare | Medigap Plan NSupplements Original Medicare | Medicare AdvantageReplaces Original Medicare | |
|---|---|---|---|
| Doctors & hospitals | Any in the U.S. that accept Medicare | Any in the U.S. that accept Medicare | Plan's network, often with referrals |
| Monthly premium | Higher | Lower than G | Often low or $0, plus your Part B premium |
| Part B deductible | You pay $283/yr | You pay $283/yr | Varies by plan |
| Hospital deductible | Covered | Covered | Daily copays vary by plan |
| Doctor & ER visits | $0 after Part B deductible | Up to $20 office, up to $50 ER | Copays vary by plan |
| Part B excess charges | Covered | Not covered | Not applicable in network |
| Travel outside the U.S. | 80% of emergency care, up to plan limits | 80% of emergency care, up to plan limits | Limited, varies by plan |
| Prescription drugs | Add a Part D plan | Add a Part D plan | Usually included |
| Costs year to year | Benefits never change; premium can rise | Benefits never change; premium can rise | Benefits, networks and costs can change each year |
From quote to coverage, without the runaround
Answer 6 quick questions
ZIP code, age and a few basics. That's what insurance companies use to price Medigap.
A licensed agent compares prices
They check multiple companies for the same plan, so you see who charges less for identical benefits.
You decide
Ask anything. Apply if a plan fits. Walk away if it doesn't. It's free either way.
Your Medigap Open Enrollment lasts 6 months, one time
It starts the month you're 65 or older and enrolled in Part B. During that window, any company must sell you any plan it offers, at its standard rate, regardless of your health.
After it ends, most states let companies ask health questions and decline you.
Straight answers about Medigap
What is Medigap?
Medigap, also called Medicare Supplement insurance, is a private policy that pays some or all of the costs Original Medicare leaves you with: deductibles, coinsurance and copays. You keep Original Medicare and can see any provider that accepts it.
Why do prices differ if the plans are the same?
Medigap plans are standardized by the federal government, so a Plan G from one company has the same benefits as a Plan G from another. Each company sets its own price, and those prices can differ by a lot for the same person. Comparing is the easiest way to save.
Massachusetts, Minnesota and Wisconsin standardize their plans differently.
Does Medigap cover prescriptions?
No. Medigap plans sold today don't include drug coverage. Most people pair Medigap with a separate Medicare Part D plan.
Can I switch from Medicare Advantage to Medigap?
Often, yes. You can leave Medicare Advantage during Annual Enrollment (October 15 – December 7) or the Medicare Advantage Open Enrollment Period (January 1 – March 31). Outside your Medigap Open Enrollment, the Medigap company may ask health questions, unless you have a guaranteed-issue right.
Is this service really free?
Yes. There's no charge to request quotes or talk to an agent, and no obligation to buy. We're paid by our partners when we connect you, which you can read about in the disclosures below.
Same coverage. Possibly a much lower price.
Get Plan G and Plan N quotes for your ZIP code in about a minute.