Medigap Plan Comparison Calculator
Compare Medicare Supplement (Medigap) plan costs and coverage levels to find the best value for your healthcare needs.
Results
Visualization
How It Works
Medigap (Medicare Supplement) plans help pay for out-of-pocket costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Plans are standardized by letter, so Plan G from one insurer covers the same things as Plan G from another.
The Formula
Total Cost = Annual Premium + (Medicare Costs × (1 − Coverage %))
Variables
- Premium — Monthly premium varies by plan, age, gender, and location
- Coverage — Percentage of Medicare gaps covered (50% to 100%)
Example
Plan G at age 67, female: ~$184/month = $2,208/year. With $3,000 in Medicare costs covered at 95%: $2,208 + $150 = $2,358 vs $3,000 without Medigap.
Tips
- Plan G is the most popular choice — it covers everything except the Part B deductible ($240/year).
- Plans C and F are only available to those who became Medicare-eligible before 2020.
- The best time to enroll is during your 6-month Medigap Open Enrollment starting at age 65.
- Unlike Medicare Advantage, Medigap has no network restrictions — any doctor who accepts Medicare works.
- High-deductible Plan G offers much lower premiums in exchange for a $2,800 annual deductible.