Start with the benefits you need, then compare prices for the same type of Medigap policy. Medigap helps with certain Original Medicare costs. It does not replace Parts A and B or pay Medicare Advantage cost sharing.
Make an apples-to-apples comparison
In most states, policies with the same letter have the same standardized benefits. Massachusetts, Minnesota and Wisconsin use different standardization systems. Premiums can differ between insurers even when standardized benefits match.
| Compare | Write down |
|---|---|
| Policy | Letter, standard or high-deductible version, and insurer |
| Price | Monthly premium, rating method and discount conditions |
| Your costs | Deductibles, copayments and benefits not included |
| Application | Eligibility, health questions and requested start date |
Protect your enrollment rights
Ask whether you are in your Medigap Open Enrollment Period or qualify for a guaranteed-issue protection. Outside protected opportunities, an insurer may use medical underwriting where permitted. A low quote does not establish that your application will be accepted.
Before accepting a quote
- Request a written outline of coverage and the final approved premium.
- Check whether a quoted discount ends or depends on another household member.
- Ask how premiums may change over time.
- Keep the policy number, effective date and insurer contact information together.
Do not cancel existing coverage based only on a comparison or application. Confirm approval and coordinate dates first.
Continue with a related question
- Your Medigap Open Enrollment Period
- Medigap Plan G: Benefits and Costs to Check
- Medigap Plan N: Copayments and Comparison Questions