The short answer
Many Medicare Supplement insurers offer a household discount — a percentage off your premium when another adult in your household also has a policy with them, or sometimes just because you live with another adult. The discount varies by insurer and state but can be meaningful, and it applies to the same standardized coverage.
It's easy money that couples routinely overlook, because the discount isn't always advertised prominently and depends on which insurer you choose.
How it works
The rules vary by company. Some require both spouses to hold policies with the same insurer; others extend the discount if you simply live with another adult, even an unmarried partner or roommate, depending on the state. Because it varies, the size of the discount is one more reason the same plan letter can cost different amounts across insurers.
Since Medigap benefits are identical by letter, a discount effectively lets you get the same coverage for less — so it's worth asking about when comparing quotes.
How to use it
When you and a spouse or partner are both shopping for Medigap, ask each insurer whether it offers a household or spousal discount and what qualifies. Then factor that into your comparison, because a plan that looks slightly pricier before the discount may be cheapest after it.
Our side-by-side plan comparison and Medicare Supplement overview can help you weigh quotes with discounts included.
Frequently Asked Questions
What is a Medigap household discount?
It's a percentage off your Medicare Supplement premium offered by many insurers when another adult in your household also has a policy, or sometimes just because you live with another adult.
How much is the Medigap household discount?
It varies by insurer and state but can be a meaningful percentage. Since Medigap coverage is standardized, the discount effectively gets you the same plan for less.
Do both spouses have to enroll to get it?
Rules vary. Some insurers require both spouses to hold policies; others extend it if you live with another adult. Ask each insurer what qualifies.
Free Consultation
Have Questions About Your Situation?
Every Medicare situation is different. Our Wyoming and Utah advisors provide free, personalized guidance — no pressure, no obligation.