Medicare Supplement (Medigap) Costs

What you pay with Medigap

With Medigap you pay your Part B premium plus a monthly Medigap premium. In exchange, your supplement covers much of the cost-sharing Original Medicare leaves behind — the Part A deductible, Part B coinsurance, and more, depending on the plan letter. With a comprehensive plan like Plan G, your predictable yearly cost is essentially your premiums plus the once-a-year Part B deductible.

What drives your premium

• Plan letter. More comprehensive plans (like Plan G) cost more than lighter ones (like Plan N).
• Your age. Most plans price by age, and the method matters (see below).
• Location. Local medical costs and competition move premiums up or down.
• Tobacco use and, in some cases, gender.
• The rating method: community-rated (same price regardless of age), issue-age (based on your age when you buy), or attained-age (rises as you get older).

The smart way to shop

Because a Plan G is a Plan G everywhere, comparing the same plan letter across insurers is an apples-to-apples price comparison — the cheapest one wins with no benefit trade-off. The best time to buy is your one-time Medigap open enrollment window, when you cannot be turned down for health reasons. See how average Medigap premiums compare across our service area on the costs by state page, or weigh Medigap against Advantage in our comparison guide.