Medicare Supplement (Medigap) Plans: Complete 2026 Guide
Medicare Supplement Insurance (also called Medigap) helps pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. These plans are sold by private insurance companies but standardized by the federal government, giving you freedom to see any Medicare-accepting doctor nationwide.
Plan G vs Plan F: Which Saves You More?
Paying too much for Plan F? Switching from Plan F to Plan G could save you hundreds per year—even with the small Part B deductible ($283 in 2026).
Why People Choose Medicare Supplement
Freedom to Choose Any Doctor
See any doctor or specialist nationwide who accepts Medicare—no networks, no referrals required
Predictable Out-of-Pocket Costs
Most plans cover Medicare deductibles, coinsurance, and copays, giving you budget certainty
Guaranteed Renewable
Your coverage can't be canceled as long as you pay your premiums, even if you develop health issues
No Annual Changes
Benefits are standardized and don't change year to year—no need to re-evaluate during AEP
Most Popular Medigap Plans in 2026
While there are 10 standardized Medigap plans, these three account for 90% of enrollments. Each offers different trade-offs between premium cost and out-of-pocket protection.
Plan G
The most popular Medigap plan for new enrollees
Typical Premium
$125-$200/month depending on age and location
Best For:
Most people enrolling in Medigap—comprehensive coverage with only Part B deductible excluded
What's Covered
- ✓Part A coinsurance and hospital costs
- ✓Part B coinsurance or copayment
- ✓Blood (first 3 pints)
- ✓Part A hospice care coinsurance
- ✓Skilled nursing facility coinsurance
- ✓Part A deductible
- ✓Part B excess charges
- ✓Foreign travel emergency (up to plan limits)
What You Pay
- ✗Part B deductible ($283 in 2026)
Plan N
Lower premiums in exchange for small copays
Typical Premium
$95-$150/month depending on age and location
Best For:
People who want lower premiums and don't mind small copays for office and ER visits
What's Covered
- ✓Part A coinsurance and hospital costs
- ✓Part B coinsurance (except $20 office visit copay and $50 ER copay)
- ✓Blood (first 3 pints)
- ✓Part A hospice care coinsurance
- ✓Skilled nursing facility coinsurance
- ✓Part A deductible
- ✓Foreign travel emergency (up to plan limits)
What You Pay
- ✗Part B deductible ($283 in 2026)
- ✗Part B excess charges
- ✗$20 copay for doctor visits
- ✗$50 copay for ER visits (waived if admitted)
High Deductible Plan G
Lowest premium Medigap option for catastrophic protection
Typical Premium
$40-$70/month depending on age and location
Best For:
Healthy individuals who want low monthly costs and can afford to pay up to $2,800 before Medigap kicks in
What's Covered
- ✓Same coverage as regular Plan G
- ✓But only after you meet the annual deductible ($2,870 in 2026)
What You Pay
- ✗Anything until you meet the $2,870 deductible
Are You Overpaying for Your Medicare Supplement?
Most people on Plan F and G don't realize they can get the exact same coverage for way less. We see folks paying $250-400+ when they could pay $150-200 for identical benefits.
When was the last time your rate increased? Let's review your plan and find you better rates.
Critical Medigap Enrollment Rules You Must Know
Open Enrollment Period
Your best time to enroll is within 6 months of turning 65 and enrolling in Part B. During this window, insurance companies cannot deny coverage or charge more based on health conditions.
⚠ Miss this window and you may face medical underwriting
Medical Underwriting
If you apply outside your open enrollment period, companies can ask health questions and deny coverage or charge higher premiums if you have pre-existing conditions.
⚠ Getting Medigap later can be difficult or expensive
No Prescription Drug Coverage
Medigap plans do not include prescription drug coverage. You'll need to enroll in a separate Medicare Part D plan.
⚠ You need both Medigap + Part D for complete coverage
Standardized Benefits
All Plan G policies offer identical benefits regardless of insurance company. The only difference is price and customer service.
⚠ You should compare prices from multiple carriers
Find Your Ideal Medigap Plan
With Plan G, Plan N, and High Deductible options all offering different benefits, it's important to understand which plan fits your health needs and budget. We'll compare rates from multiple carriers to find you the best price for identical coverage.
Ready to Find Your Perfect Medicare Plan?
Book a free consultation with our licensed Medicare advisors. We'll help you compare plans, understand your options, and enroll in the coverage that's right for you.
Contact Information
221 E South Street
Dadeville, AL 36853
Mon-Fri: 8:30 AM - 6:00 PM
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Meet with a licensed Medicare advisor to compare plans and find the best options for your needs.
- No cost, no obligation
- Compare all available plans
- Help with enrollment