Medicare Supplement (Medigap) Plans by State
Compare Medigap plans available in your state. Find plan types, average premiums, top carriers, and enrollment information to supplement your Original Medicare coverage.
Medigap Plan Comparison
Medigap plans are standardized by the federal government. Each plan letter offers the same benefits regardless of the insurer, but premiums vary. Here are the most popular options:
Plan G
Most PopularMost comprehensive plan for new enrollees. Covers all Medicare cost-sharing except the Part B deductible ($257/year).
Avg. Premium: $100-$300/mo
Plan N
Lower-cost alternative covering most cost-sharing. Small copays for office visits ($20) and ER visits ($50) that do not result in admission.
Avg. Premium: $80-$220/mo
Plan F
Pre-2020 OnlyCovers 100% of cost-sharing including Part B deductible. Only available to those eligible before 1/1/2020.
Avg. Premium: $120-$350/mo
Select Your State
Frequently Asked Questions
What is a Medicare Supplement (Medigap) plan?
Medigap plans are sold by private insurance companies to help cover costs that Original Medicare does not pay, including copayments, coinsurance, and deductibles. They work alongside Original Medicare Parts A and B.
What is the best Medigap plan?
Medigap Plan G is the most popular choice for new enrollees because it offers the most comprehensive coverage available (covering everything except the annual Part B deductible of $257 in 2026). Plan N is a popular lower-cost alternative.
Can I buy a Medigap plan at any time?
The best time to buy is during your Medigap Open Enrollment Period — a 6-month window starting when you turn 65 and enroll in Part B. During this period, insurers cannot deny you or charge more for health conditions. Outside this window, medical underwriting may apply.
Do Medigap plans cover prescriptions?
No. Medigap plans do not cover prescription drugs. You need a separate Part D prescription drug plan for medication coverage if you have Original Medicare with a Medigap supplement.
Disclaimer: Plan availability, benefits, and premiums vary by location. Contact Medicare.gov or 1-800-MEDICARE for complete information. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.