Medigap (Plan G, N) Compare

What Medigap covers

Original Medicare leaves you on the hook for 20% of Part B costs (no cap). Medigap fills these "gaps". Standardized lettered plans (A-N) — same benefits no matter who sells.

Most-popular plans

• Plan G — covers everything except Part B deductible ($240 in 2025). $130-300/mo. Most popular for new enrollees.
• Plan N — like G but small copays. $90-200/mo. Cheaper if mostly healthy.
• Plan F — most comprehensive. ONLY available if you turned 65 BEFORE Jan 1, 2020.
• High-Deductible Plan G — $50-100/mo, $2,800 deductible. For healthy + budget-conscious.

Original Medicare + Medigap vs Medicare Advantage

• Original + Medigap — $200-400/mo total. ANY doctor accepting Medicare. Predictable costs.
• Medicare Advantage — $0-100/mo. NETWORK doctors. Surprise costs possible.
• For travelers / multiple doctors: Original + Medigap.
• For limited budget + local care: Medicare Advantage.
• Big decision — both have pros/cons.

Buy SAME plan letter, DIFFERENT prices

• Plan G is IDENTICAL coverage no matter who sells.
• Mutual of Omaha vs AARP/UnitedHealthcare — different prices.
• Same coverage = pay LESS.
• Compare quotes annually — switch insurers if cheaper.
• BUT — switching may require medical underwriting after first 6 months.

Free help

• SHIP — shiphelp.org. Free counselors.
• Medicare.gov — official compare tool.
• BoomerBenefits.com — independent + senior-friendly broker.
• Avoid TV commercials with celebrities — biased.