Why Medigap Plans Are Standardized
Unlike Medicare Advantage, every Medigap Plan G sold by any carrier covers the exact same benefits — the only differences are price, customer service, and underwriting.
Most Popular Plans Today
- Plan G: Covers everything except the Part B deductible. The most comprehensive plan available to most new enrollees.
- Plan N: Lower premium than Plan G, but you pay small copays for office and ER visits and may owe Part B excess charges.
- Plan F: No longer available to people newly eligible for Medicare on or after January 1, 2020, but existing enrollees can keep it.
How to Compare Across Carriers
Since benefits are identical within a plan letter, focus your comparison on monthly premium, rate increase history, and the carrier's financial strength rating.
Key Takeaways
- Medigap plan benefits are standardized by letter — only price and carrier differ.
- Plan G is currently the most comprehensive option for new enrollees.
- Compare carriers on premium and rate-increase history, not benefits.
Medigap availability and pricing vary by state and carrier. Underwriting may apply outside your Medigap Open Enrollment window.
Free Consultation
Have Questions About Your Situation?
Every situation is different. Our Wyoming and Utah advisors provide free, personalized guidance — no pressure, no obligation.