Medicare Supplemental Insurance Quotes

Medicare Supplemental insurance, commonly referred to as Medigap, helps fill the “gaps” left by Original Medicare – such as copayments, coinsurance, and deductibles.

These plans are offered by private insurance companies and can vary widely in cost depending on several key factors, including your age, location, gender, health status, and insurance provider.

To clarify what you might expect to pay, we’ve compiled sample monthly premium quotes for two of the most popular Medigap plans – Plan G and Plan N – from leading providers in Texas, Pennsylvania, and Florida.

These examples are based on a 65-year-old, non-smoking male, and serve as a general reference point. Your specific quote may vary.

Sample Medigap Plan Quotes by State and Provider

Below are illustrative monthly premium quotes for Plan G and Plan N from three major insurance carriers: Aflac, Aetna, and Mutual of Omaha.

*These quotes are for a 65-year-old nonsmoking male and will vary based on individual factors. Medigap providers might also offer household discounts, lowering the monthly premium.

Medicare Supplement Plans Overview

Medicare Supplement insurance (Medigap) plans are designed to cover healthcare costs not fully paid by Original Medicare (Part A and Part B).

This includes deductibles, copayments, coinsurance, and more. Private insurers offer a range of standardized plans labeled A through N.

Plans G, N, and A are the most commonly purchased and relevant to many 65-year-olds entering Medicare.

Here’s a deeper look at each plan with real-world applications, key statistics, and side-by-side comparisons.

Plan G: The Most Comprehensive Option for New Beneficiaries

According to the American Association for Medicare Supplement Insurance (AAMSI), Plan G was the most popular Medigap plan among new enrollees in 2024, comprising over 45% of new Medigap purchases.

Its comprehensive nature makes it attractive to individuals who want predictable, low out-of-pocket costs.

Plan G covers:

• Medicare Part A deductible and coinsurance
• Part A hospice care coinsurance or copayments
• Skilled Nursing Facility (SNF) coinsurance
• Part B coinsurance/copayments
• Part B excess charges (up to 15%)
• First three pints of blood
• 80% of emergency medical costs during foreign travel (up to plan limits)

Plan G doesn’t cover:

• The Medicare Part B deductible ($257 in 2025)

Real-Life Scenario: Linda, age 67, travels frequently and has a history of knee surgeries. She chooses Plan G because it covers foreign emergency medical expenses (important for her travels abroad), Part B excess charges (which her orthopedic specialist applies), and nearly all copays and coinsurance. She pays a higher monthly premium, but rarely faces out-of-pocket costs when receiving care.

Plan N: Balanced Coverage with Lower Premiums

Plan N is a budget-friendly alternative to Plan G. Monthly premiums are typically 10–25% lower, depending on the region.

According to a 2024 report by AHIP (America’s Health Insurance Plans), Plan N enrollment has grown by over 30% since 2021, especially among healthy retirees.

Plan N covers:

• Part A deductible and coinsurance
• Hospice care coinsurance/copayments
• SNF coinsurance
• Part B coinsurance/copayments (with exceptions)
• First three pints of blood
• Foreign travel emergency care (80%, up to plan limits)

Plan N doesn’t cover:

• Part B excess charges
• Part B deductible
• $20 copay for office visits
• Up to $50 copay for emergency room visits (waived if admitted)

Real-Life Scenario: Jerry, 66, is in good health, sees his primary doctor only a few times a year, and prefers a lower monthly premium. He chooses Plan N to save money while maintaining robust protection. The occasional $20 copay is manageable, and he avoids paying for benefits (like excess charges) he’s unlikely to use.

Plan A: Basic Benefits for the Budget-Conscious

Plan A is the most limited of the standardized Medigap options. Premiums are generally the lowest among all plans, but out-of-pocket costs are higher.

It may work for individuals in excellent health who rarely need medical services and want a bare minimum backup.

Plan A covers:

• Part A coinsurance and hospital costs (up to 365 days after Medicare benefits are used up)
• Part B coinsurance/copayment
• First three pints of blood
• Part A hospice care coinsurance/copayment

Plan A doesn’t cover:

• Part A deductible
• Skilled nursing facility coinsurance
• Part B excess charges
• Foreign travel emergency care
• Part B deductible

Real-Life Scenario: Anna, 65, is newly retired with minimal retirement income. She wants the protection of Medicare Supplement insurance but can’t afford comprehensive plans. She picks Plan A to gain coverage for basic services like hospital stays and doctor visits, knowing she may need to budget carefully for anything more complex.

Summary: Which Plan Is Right for You?

Medigap Plan	Best For
Plan G	Those who want nearly full coverage and travel often
Plan N	Healthy retirees seeking a good balance of cost and benefits
Plan A	Individuals on a tight budget with minimal healthcare needs

Note: Every Medicare beneficiary’s situation is different. Understanding your health profile, financial goals, and lifestyle preferences can help you determine the best plan for your needs.

Consulting with a licensed Medicare agent can also provide personalized insight based on your ZIP code and medical history.

How to Compare Medicare Supplement Quotes

When shopping for Medicare Supplement (Medigap) insurance, it’s easy to focus solely on the monthly premium, but that’s just the tip of the iceberg.

Choosing the right plan means balancing cost with coverage, provider reputation, and your own healthcare needs.

Think of this process not just as price comparison, but as building a safety net tailored to your future.

Let’s walk through the major factors to consider, illustrated with examples and insights to help you make a confident, informed decision.

Monthly Premium vs. Out-of-Pocket Costs

It’s natural to look at the price tag first. Who wouldn’t be tempted by a lower monthly premium?

But here’s the catch: some of the least expensive plans might cost more in the long run if they don’t cover the services you need.

Not all low premiums mean savings. Some plans offer cheaper monthly rates but lead to higher out-of-pocket costs later.

Take Plan G and Plan N, for instance. Plan G generally has a higher premium but covers nearly all out-of-pocket expenses – except the annual Medicare Part B deductible.

Plan N, on the other hand, is more affordable each month but comes with trade-offs: small copays for doctor visits and ER trips, and no coverage for Part B excess charges.

If you see the doctor often or want the peace of mind of knowing that most of your medical expenses are covered, paying a bit more each month for Plan G could save you money (and stress) over time.

Tip: Think about your expected medical usage. A slightly higher premium may save you more in the long run if you have chronic conditions or frequent doctor visits.

Coverage Details and Included Benefits

Even though Medigap plans are standardized by the federal government, meaning a Plan G is a Plan G no matter who offers it, how those benefits are delivered can differ.

Some insurance companies might process claims faster, offer better customer service, or provide extra perks like gym memberships or wellness support.

Think of it like choosing a car. Two vehicles might have the same engine specs, but one offers a smoother ride, better seats, and more reliable performance. Medigap plans are no different – coverage is the foundation, but the company’s reliability makes the ride smoother.

So, consider how benefits align with your medical habits and goals before picking a plan.

Do you travel often and want foreign emergency coverage? Do you see specialists who charge excess fees?

Your answers can help you decide whether Plan G’s comprehensive approach or Plan N’s balanced design makes more sense for you.

Provider Network Access

One big advantage of Medigap is that it works with any doctor or hospital that accepts Medicare. That’s a huge plus, especially if you travel between states or live in rural areas where provider choice matters.

But there’s a nuance: while provider access is wide open, some insurers make it easier to find those providers or offer tools that enhance your experience.

For instance, having a reliable app to manage claims or speak to a nurse 24/7 might not seem essential – until you really need it.

Let’s say you’re planning a trip to another state and want to ensure your care is covered if something happens. Access to provider directories or support hotlines could make the difference between stress and peace of mind.

Medigap Company Stability and Reputation

Insurance is a long-term relationship. A highly rated and financially stable insurer is more likely to maintain competitive rates and handle claims promptly over time.

Key Factors to Research:

• Financial Ratings: Look for A or higher from A.M. Best, Moody’s, or Standard & Poor’s.
• Customer Reviews: Check forums, BBB, and Medicare-focused review platforms.
• Longevity in Market: Companies with decades of Medicare experience often offer better plan management and user support.

You might save a few dollars with a lesser-known brand, but a well-established company like Aetna, Mutual of Omaha, or Aflac may offer smoother experiences when it counts most.

Customer Service and Added Perks

When people compare Medicare Supplement plans, they tend to focus on numbers – monthly premiums, deductibles, and copays.

But what’s less obvious (and just as important) is what happens after you enroll.

How does the insurance company treat you when you need help? Are they easy to reach, easy to understand, and easy to work with?

Good customer service isn’t a bonus – it’s a lifeline. It shows up when you’re filing a claim after a surprise hospital visit, when you’re confused about a bill, or when you just want reassurance that your doctor visit will be covered.

Let’s look at why service and extras can be the quiet deciding factor between two nearly identical Medigap plans.

#1. Customer Support Imagine it’s 9:00 p.m. and you’re not feeling well. You’re unsure if your plan covers visiting an urgent care clinic in another state. At that moment, having 24/7 access to a live support line staffed by real, knowledgeable representatives can ease your mind and guide you to your next step. Top-tier insurers offer extended support hours or even around-the-clock hotlines staffed by licensed nurses or Medicare specialists. These can be game-changers for anyone managing a chronic condition or traveling frequently.

#2. Digital Tools More insurers are offering mobile apps and online portals that give users instant access to claims and payment status, digital ID cards, coverage documents, and provider search tools. These tools can dramatically reduce the hassle of managing your healthcare. Some apps even allow you to chat with support, view prescription history, or estimate your out-of-pocket costs for upcoming services. These features are worth prioritizing if you prefer a hands-on, tech-friendly experience.

#3. Added Wellness Benefits Some Medigap insurers go beyond basic coverage by offering value-added benefits designed to improve your quality of life – not just pay your bills. These can include: Gym Memberships: Programs like SilverSneakers or Renew Active offer free access to fitness centers nationwide, plus virtual classes for stretching, strength, and cardio. Preventive Health Resources: Annual wellness checkups, personalized health tracking, or reminders for screenings. Hearing and Vision Discounts: Even though Original Medicare doesn’t cover routine eye or hearing care, some insurers bundle in discount programs or referral partnerships. Telehealth Services: Virtual doctor visits – covered or discounted – can save time and reduce your exposure to illness. Mental Health Support: Access to counseling, meditation apps, or caregiver burnout resources. While these perks vary by provider and aren’t guaranteed across all Medigap plans, they can add meaningful value – especially for retirees prioritizing proactive wellness and independence.

Household Discounts

A household discount reduces your monthly Medigap premium if two or more people living at the same address are enrolled in Medigap policies through the same insurance company.

It’s the insurer’s way of rewarding loyalty and shared risk within one household.

Depending on the provider and state regulations, these discounts typically range from 5% to 12%. While the percentage may seem small initially, the long-term savings can be substantial.

Let’s say you and your spouse both enroll in Plan G through a company that offers a 7% household discount. If the standard monthly premium is $180 per person: Without discount: $180 × 2 = $360/month With 7% discount: $167.40 × 2 = $334.80/month Monthly savings: $25.20 Annual savings: Over $300 – just for living together and choosing the same insurer. Multiply that over several years, and the savings become very real, especially for couples on a fixed retirement income.

Qualifying criteria can vary by insurer, but you typically don’t need to be married to get the discount.

In fact, many providers extend the savings to:

• Spouses or domestic partners
• Roommates or siblings
• Any two people who live together and apply for Medigap policies with the same company

Some carriers only require that both applicants live at the same physical address – even if they apply at different times. Others may insist that both policies are active simultaneously. Always check the fine print when comparing quotes.

Pro Tip: Even if your spouse is not yet Medicare-eligible, you may still qualify for a future discount when they join.

In addition to household discounts, some insurers also offer loyalty or multi-policy discounts. For example, if you’ve had a life or dental policy with the same company before enrolling in a Medigap plan, you may be eligible for additional savings.

While these are less common, they are worth asking about – especially if you’re already an existing customer with companies like Mutual of Omaha, Aetna, or Aflac.

Final Tips: Think Long-Term, Not Just Short-Term

Medigap coverage is a long-term investment in your health and financial stability.

While lower monthly premiums can feel like a win, they may come with compromises you’ll feel more acutely over time – especially if your health needs change.

Take a moment to picture yourself not just this year, but five or ten years from now. Would you prefer to pay a bit more for comprehensive protection and fewer surprises? Or is keeping monthly costs low today the most important priority?

Here’s what we recommend.

Get Multiple Quotes: Use your ZIP code, age, and gender to get personalized quotes from at least three providers. Review Carefully: Don’t just look at monthly premiums. Use a calculator to project total yearly cost based on your medical history. Speak to an Expert: A licensed Medicare agent can help you weigh trade-offs and find the best option- especially if your situation is unique (e.g., recent move, retiring early, chronic condition).

How Do I Enroll in a Medigap Plan?

Enrolling in a Medicare Supplement plan is one of the most important decisions you’ll make as you step into retirement.

It’s not just about picking a policy. It’s about choosing peace of mind, financial protection, and freedom in your health care choices.

The good news is that if you time it right and follow a few key steps, the process is straightforward and stress-free.

Let’s walk through exactly how to enroll in a Medigap plan and why the timing can make a world of difference.

Step #1: Know Your Enrollment Window

Your best opportunity to enroll in a Medigap plan is during your Medigap Open Enrollment Period (OEP).

This is a one-time, six-month window that starts the month you’re both 65 or older and enrolled in Medicare Part B.

During this period, you have what’s called guaranteed issue rights. That means:

• You can’t be denied coverage for any reason – even if you have pre-existing conditions.
• Insurance companies can’t charge you more based on your health history.
• You can choose from any plan available in your state, without restrictions.

If you miss this window, you might face higher premiums, fewer plan options, or even denial of coverage – depending on the insurer’s underwriting rules.

Step #2: Compare and Choose a Plan

Before applying, take the time to compare available plans in your area.

Focus on:

• Your health needs (do you visit the doctor frequently, or rarely?)
• Your travel habits (do you need foreign emergency coverage?)
• Your budget (do you prefer low monthly premiums or more predictable out-of-pocket costs?)
• The reputation and customer service of the insurance provider

You can use tools like Medicare.gov’s plan finder, or better yet, seek personalized guidance from one of our licensed agents. They can guide you through the process and help you find a plan that best meets your needs.

Step #3: Gather the Right Information

Before you apply, make sure you have a few key details handy:

• Your Medicare ID number (found on your red, white, and blue Medicare card)
• Your Part A and Part B effective dates
• Your personal information (address, phone number, date of birth)
• Your preferred payment method (bank draft, credit card, etc.)

You’ll need this information whether you’re applying online, by phone, or through an agent.

Step #4: Submit Your Application

Once you’ve chosen your plan, you can apply:

• Directly through the insurance company’s website
• Over the phone with the insurer
• Through a licensed broker or agent

Most applications are processed within a few business days, and you’ll receive written confirmation of your enrollment.

If you apply during your Open Enrollment Period, you won’t need to answer medical questions or undergo underwriting.

If you’re applying outside your OEP, the insurance company may require a medical history review or ask health-related questions. This is why enrolling during your OEP is highly recommended.

Step #5: Set Up Your Coverage and Next Steps

Once approved, your Medigap policy will begin on the effective date you choose, often aligned with the start of your Medicare Part B coverage.

Be sure to:

• Cancel any previous Medigap or Medicare Advantage coverage (you cannot have both)
• Set up autopay or calendar reminders for premium payments
• Review your plan welcome packet – this typically includes your ID card, summary of benefits, and contact details for customer service

When Life Gets Complicated – Get Help

Life isn’t always textbook. Maybe you delayed Medicare Part B because you were working, or you’re switching from a Medicare Advantage plan back to Original Medicare.

Maybe you’re moving to another state or helping a spouse coordinate their enrollment timeline.

A licensed Medicare agent can be your best ally in any of these cases. They know the ins and outs of special enrollment periods, guaranteed issue rights, state-specific rules, and insurer policies.

Bottom Line

Navigating Medicare Supplement insurance doesn’t have to be overwhelming. The key is to understand your personal health needs, financial goals, and how different plans fit your lifestyle.

Whether you’re looking for full peace of mind with Plan G, value-conscious flexibility with Plan N, or basic protection with Plan A, there’s a Medigap plan designed to meet you where you are.

Monthly premiums vary widely based on your age, state, gender, and insurer – but as you’ve seen, price isn’t everything.

Coverage quality, provider reputation, customer support, and extra perks like fitness memberships or telehealth access can add real, long-term value. And don’t overlook hidden savings, like household discounts, that reward shared coverage with significant cost reductions.

If you’re approaching age 65 – or are already enrolled in Medicare Part B – your six-month Medigap Open Enrollment Period is your golden opportunity. During this window, you’re protected from medical underwriting, so you can secure the best plan without worry over health conditions or higher premiums.

Most importantly, don’t do it alone. Licensed Medicare agents can help you compare quotes, clarify your options, and walk you through enrollment step by step.

A 30-minute call could save you thousands of dollars and ensure you get the protection that fits your life now – and in the future. Thanks!

Sources: Medigap Plans | Aflac | Aetna | Mutual of Omaha

FAQs