Fill the Gaps in Your Medicare Coverage
Original Medicare only covers about 80% of your medical costs. A Medicare Supplement plan covers the rest — deductibles, copays, and coinsurance — so you never face a surprise bill.
What Original Medicare Leaves Uncovered
Medicare Parts A and B are valuable — but they leave significant gaps that can cost you thousands out of pocket. A Medicare Supplement plan closes those gaps so you can focus on your health, not your bills.
Medigap Closes the Gaps
A Medicare Supplement plan pays after Medicare pays — covering most or all of the costs Medicare leaves behind. You get predictable monthly premiums and virtually no surprise bills.
Compare Medicare Supplement Plans
The three most popular Medigap plans — side by side. Our agents will help you choose the right one for your health needs and budget.
| Coverage | Plan G Most Popular $100–$200/mo | Plan N $80–$160/mo | Plan F $130–$250/mo |
|---|---|---|---|
| Part A Deductible | ✓ | ✓ | ✓ |
| Part B Deductible | ✗ (you pay) | ✗ (you pay) | ✓ |
| Part B Coinsurance | ✓ | ✓ (with copays) | ✓ |
| Skilled Nursing Facility | ✓ | ✓ | ✓ |
| Foreign Travel Emergency | ✓ | ✓ | ✓ |
| Best For | Most new enrollees — best overall coverage | Healthy seniors who want lower premiums | Enrollees before Jan 1, 2020 only (grandfathered) |
* Premiums shown are estimated ranges for a 65-year-old non-smoker. Actual rates vary by state, age, gender, and tobacco use. Plan F is only available to those who became Medicare-eligible before January 1, 2020.
How Our Free Service Works
We're paid by the insurance carriers — not you. Our service is completely free.
Call or Submit a Quote
Tell us your ZIP code, date of birth, and which plan you're interested in. Takes 2 minutes.
We Compare 15+ Carriers
Your licensed specialist compares rates from Aetna, Cigna, Mutual of Omaha, Humana, and more to find your lowest available premium.
You Choose and Enroll
Pick the plan and carrier that fits your needs. We handle the enrollment paperwork — you're covered.
Why Work With InsuraFix Instead of Going Directly to a Carrier?
Independent, Unbiased Advice
We're not tied to any single carrier. We compare rates from 15+ companies and recommend what's actually best for you — not what pays us the most.
Same Price as Going Direct
Insurance premiums are regulated by state law — the price is identical whether you buy through us or directly from the carrier. Our service costs you nothing extra.
We Can Switch You Later
If a better rate becomes available in future years, we proactively shop your coverage at renewal. Carrier loyalty rarely saves money — we make sure you're always on the best rate.
Licensed Medicare Specialists
Our agents are licensed in your state and specialize in Medicare products. We know the rules, the open enrollment windows, and the guaranteed issue rights that protect you.
Ready to Compare Medicare Supplement Rates?
Our licensed specialists compare 15+ carriers to find your lowest available premium. Free, no obligation.
Not affiliated with Medicare, Medicaid, or any government agency. InsuraFix is a licensed insurance agency.
Frequently Asked Questions
Everything you need to know about Medicare Supplement insurance.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare (Parts A & B) to cover out-of-pocket costs like deductibles and copays. You can see any doctor who accepts Medicare nationwide. Medicare Advantage (Part C) replaces Original Medicare with a private plan that typically has network restrictions but may include dental and vision. Medigap offers more predictable costs and greater flexibility; Medicare Advantage often has lower premiums but higher out-of-pocket exposure.
When is the best time to buy Medicare Supplement insurance?
The best time is during your 6-month Medicare Supplement Open Enrollment Period, which begins the month you turn 65 and enroll in Medicare Part B. During this window, insurers cannot deny you coverage or charge higher premiums due to pre-existing conditions. Waiting until after this window closes means you may face medical underwriting and potential denial.
Does Medicare Supplement cover prescription drugs?
No. Medicare Supplement plans do not cover prescription drugs. You will need to enroll in a separate Medicare Part D prescription drug plan to cover medications. Our agents can help you find a Part D plan that pairs well with your Medigap coverage.
Can I be denied Medicare Supplement coverage?
During your Open Enrollment Period (the 6 months after turning 65 and enrolling in Part B), you cannot be denied coverage. Outside of this window, insurers in most states can use medical underwriting and may deny coverage or charge higher premiums based on health conditions. Some states have additional protections — our agents can advise on your specific state's rules.
How much does Medicare Supplement insurance cost per month?
Premiums vary by plan type, age, gender, tobacco use, and location. As a general range: Plan G typically costs $100–$200/month for a 65-year-old, while Plan N runs $80–$160/month. Rates increase with age. The best way to find your exact rate is to get a free quote — our agents compare 15+ carriers to find your lowest available premium.
What does Plan G cover?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers: Medicare Part A coinsurance and hospital costs, Part A hospice care coinsurance, Part B coinsurance or copayments, the first 3 pints of blood, Part A deductible, skilled nursing facility care coinsurance, and foreign travel emergency care (up to plan limits). The only cost not covered is the annual Part B deductible ($240 in 2024).
Turning 65? Don't Miss Your Open Enrollment Window.
The 6 months after you turn 65 and enroll in Part B is your guaranteed acceptance window. After it closes, insurers can deny you or charge more. Call us today — our specialists will make sure you get the best plan at the best rate.
Not affiliated with Medicare, Medicaid, or any government agency.