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Medicare Supplement Insurance - Let us help you compare Medigap plans
Medicare Supplement (Medigap) plans help pay the deductibles, copays and coinsurance that Original Medicare leaves to you. Send us a few details and we will compare plans from top-rated carriers – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Medicare Supplement Quote Request
Applicant Information:
Have these handy
- Date of birth and state of residence
- Medicare card (Medicare number and Part A and B effective dates)
- Current coverage, if any (Medicare Advantage, Medigap, employer or retiree plan)
- Any letter showing your current coverage is ending
- Current medications and dosages
- Your doctors and preferred pharmacy
Related coverage
Coverage details
What Medicare Supplement coverage includes
Medicare Supplement (Medigap) plans help pay the deductibles, copays and coinsurance that Original Medicare leaves to you.
- Part A coinsurance - Hospital costs after Medicare pays, plus 365 extra days.
- Part A deductible - $1,736 per benefit period in 2026, on most plans.
- Part B coinsurance - The 20% of doctor and outpatient costs Medicare leaves to you.
- Skilled nursing and hospice - SNF coinsurance ($217/day, days 21-100) and hospice copays.
- Part B excess charges - Plans F and G pay up to 15% above Medicare's rate.
- Any doctor that takes Medicare - No networks or referrals, nationwide.
- Foreign travel emergency - 80% on Plans C, D, F, G, M and N.
- Plan G and N - The most popular plans for new enrollees.
Good to know: your 6-month Medigap open enrollment period starts when you’re 65 and enrolled in Part B – no health questions during that window. Plans are standardized, so Plan G is the same coverage with every carrier; only the price differs. Compare all 10 plans below.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not covered: prescription drugs (need Part D), dental, vision and hearing.
Insurance Application:
Medicare Supplement
Required forms
Medicare Supplement (Medigap) Application (PDF, fillable)
Covers Medicare enrollment, plan selection (A-N), current coverage and replacement, guaranteed issue rights, health questions and prescriptions. Fill it in on screen, then email it to info@societiesinsurance.com or attach it with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
How Medicare Supplement (Medigap) plans work
Original Medicare (Part A hospital and Part B medical) pays most of your covered care, but it leaves deductibles, copays and 20% coinsurance to you, with no yearly out-of-pocket cap. A Medicare Supplement policy, sold by private insurance companies, pays some or all of those gaps. Medicare pays first, then your Medigap plan pays its share of the same claim.
No networks
Use any doctor or hospital in the U.S. that accepts Medicare. No referrals and no prior authorization from the Medigap plan.
Same benefits, any carrier
Plan G from one insurer has exactly the same medical benefits as Plan G from another. The differences are price, rate history and service.
Can't be cancelled for health
As long as you pay the premium, your policy renews every year, even if your health changes.
Add drug coverage separately
Medigap does not cover prescriptions, dental, vision or hearing. Most people add a stand-alone Part D drug plan.
The gaps in Original Medicare
These are the 2026 amounts you pay with Original Medicare alone. Depending on the plan you choose, Medigap pays some or all of them.
| What you owe | 2026 amount | Plans that pay it in full |
|---|---|---|
| Part A hospital deductible | $1,736 per benefit period | B, C, D, F, G, N (K pays 50%, L 75%, M 50%) |
| Hospital days 61-90 | $434 per day | All plans |
| Hospital days 91-150 (lifetime reserve) | $868 per day | All plans, plus 365 extra days |
| Skilled nursing facility days 21-100 | $217 per day | C, D, F, G, M, N (K pays 50%, L 75%) |
| Part B deductible | $283 per year | C and F only |
| Part B coinsurance | 20% of approved amount, no cap | A, B, C, D, F, G, M; N (small copays); K 50%, L 75% |
| Part B excess charges | Up to 15% above Medicare's rate | F and G only |
The standard Part B premium is $202.90 a month in 2026 and is paid in addition to any Medigap premium. Source: CMS 2026 Medicare Parts A and B amounts.
Medigap plan comparison chart
Ten standardized plans are sold in most states, each named by a letter. Percentages show how much of each cost the plan pays after Medicare. Plans G and N, highlighted, are the most popular choices for people new to Medicare.
| Benefit | A | B | C* | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs, up to 365 extra days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%*** |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility coinsurance | - | - | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | - | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | - | - | 100% | - | 100% | - | - | - | - | - |
| Part B excess charges | - | - | - | - | 100% | 100% | - | - | - | - |
| Foreign travel emergency (up to plan limits) | - | - | 80% | 80% | 80% | 80% | - | - | 80% | 80% |
| Yearly out-of-pocket limit (2026)** | - | - | - | - | - | - | $8,000 | $4,000 | - | - |
* Plans C and F (including high-deductible F) are only available if you were eligible for Medicare before January 1, 2020. Plans F and G are also offered as high-deductible versions in many states: you pay the first $2,950 of covered costs in 2026 before the plan pays.
** After you reach the yearly limit and pay the Part B deductible ($283 in 2026), Plans K and L pay 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of Part B coinsurance except copays of up to $20 for some office visits and up to $50 for emergency room visits that don't result in an inpatient admission.
Massachusetts, Minnesota and Wisconsin standardize their Medigap plans differently. Source: Medicare.gov and CMS.
Which Medigap plan fits you
Every letter plan trades premium against out-of-pocket cost. Here is how the plans group together and who usually chooses each one.
Plan G
Covers every gap except the Part B deductible ($283 in 2026). After that, you typically owe nothing for Medicare-covered care.
- Pays Part B excess charges
- Predictable costs, higher premium
Plan N
Like Plan G, but you pay the Part B deductible plus up to $20 at some office visits and up to $50 for ER visits that don't lead to admission.
- Does not pay Part B excess charges
- Popular with people who see the doctor less often
High-deductible Plan G
Same benefits as Plan G after you meet a $2,950 deductible in 2026. A good fit if you are healthy and want protection against large bills.
- Much lower monthly premium
- Deductible resets every January
Plans F and C
Plan F covers every gap, including the Part B deductible; Plan C covers everything except Part B excess charges. Closed to people new to Medicare since 2020.
- Existing policies stay renewable
- High-deductible F also available
Plans K and L
Pay 50% (K) or 75% (L) of most gaps, with a yearly out-of-pocket cap of $8,000 (K) or $4,000 (L) in 2026.
- Lower premiums
- Hospital coinsurance still paid in full
Plans A, B, D and M
Cover the core hospital and Part B coinsurance benefits. B and D add the Part A deductible, D and M add skilled nursing and foreign travel, and M pays half the Part A deductible.
- Fewer carriers offer these
- Useful in specific situations
Medigap vs. Medicare Advantage
You can have a Medicare Supplement or a Medicare Advantage plan, but not both. Here is how the two approaches compare.
| Original Medicare + Medigap + Part D | Medicare Advantage (Part C) | |
|---|---|---|
| Doctors and hospitals | Any provider in the U.S. that accepts Medicare | Usually a local network (HMO or PPO); referrals may be required |
| Monthly premium | Medigap and Part D premiums, plus Part B | Often low or $0, plus Part B |
| Costs when you get care | Low and predictable; little or nothing on Plan G after the Part B deductible | Copays and coinsurance as you go, up to a yearly maximum (as high as $9,250 in-network in 2026) |
| Prior authorization | Not required by the Medigap plan | Common for hospital stays, imaging and specialty care |
| Travel | Coverage anywhere in the U.S.; foreign travel emergency on most plans | Mostly limited to the plan's service area, except emergencies |
| Extras | Not included; add dental, vision or hospital indemnity separately | Often includes some dental, vision, hearing or fitness |
| Switching later | Easy to keep for life; changing carriers may require health questions | Can change each fall; moving to Medigap later may require health questions |
Considering Medicare Advantage instead? See our Medicare Advantage / Part D page.
Timing matters more than anything else
Outside of protected windows, carriers can ask health questions, charge more or decline you. Know which window you are in before you shop.
- Medigap open enrollment period. A one-time, 6-month window that starts the month you are 65 or older and enrolled in Part B. Any carrier must sell you any plan it offers at its best rate for your age, regardless of health. This is the best time to buy.
- Guaranteed issue rights. You can also buy certain plans without health questions if, for example, your Medicare Advantage plan leaves your area, your employer or retiree coverage ends, or you are within the first 12 months of trying Medicare Advantage for the first time. Apply within 63 days of losing the other coverage and keep the notice you receive.
- Medical underwriting. Any other time, the carrier can review your health history and prescriptions. Many people still qualify, and we know which carriers are more flexible for common conditions.
- State-specific rights. Several states give extra protections, such as yearly birthday or anniversary switching rules in California and Oregon, or year-round guaranteed issue in New York and Connecticut. Under 65 on Medicare due to disability? Availability depends on your state. Ask us what applies where you live.
Why the same plan costs different amounts
Because benefits are identical by letter, comparing carriers is mostly about price and how that price will change over time.
Community-rated
Everyone in the area pays the same premium regardless of age. Rates change with inflation, not with your birthday.
Issue-age-rated
Priced on your age when you buy. The premium does not rise because you get older, though it can rise for inflation.
Attained-age-rated
Starts lower but rises as you age, plus inflation increases. The most common method, so rate history matters.
What else moves the price
ZIP code, sex, tobacco use, household discounts (often 5-12% when a spouse or housemate also enrolls) and annual-pay or bank-draft discounts.
Medicare Supplement questions
Do I need Part A and Part B to buy a Medigap plan?
Yes. You must be enrolled in both Medicare Part A and Part B. Your Medigap open enrollment period starts the first month you have Part B and are 65 or older.
Does Medicare Supplement cover prescription drugs?
No. Medigap policies sold today do not include drug coverage. Most people add a stand-alone Part D plan; skipping Part D when you are first eligible can mean a permanent late-enrollment penalty unless you have other creditable drug coverage.
Can I keep my doctors?
Yes, as long as they accept Medicare. Medigap plans have no networks, so you can see any Medicare provider in the country, including specialists, without referrals.
Can I switch Medigap plans or carriers later?
You can apply to change at any time, but outside your open enrollment period or a guaranteed issue right the new carrier may ask health questions. Some states give extra switching rights. You get 30 days to review a new policy, so keep your old one until the new one is in force.
Can my spouse and I be on the same policy?
No. Each Medigap policy covers one person, so each spouse applies separately. Many carriers offer a household discount when both enroll.
Do Medigap plans cover care when I travel?
Within the U.S., you are covered anywhere Medicare is accepted. Plans C, D, F, G, M and N also pay 80% of emergency care abroad after a $250 deductible, up to a $50,000 lifetime limit.
What does it cost to work with Societies Insurance?
Nothing. Medigap premiums are filed with each state, so you pay the same price whether you buy directly or through us. We are paid by the carrier you choose.
Ready to compare Medigap plans?
Download the Medicare Supplement application, fill it in on screen and send it with your quote request, or call 800-616-3490 and we will walk through it with you.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Medicare Supplement insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability varies by state. 2026 Medicare amounts are set by CMS and change each year.