Medicare Supplement plans, made clear.
Medigap plans help cover costs Original Medicare leaves behind. Our advisors help you compare options like Plan G and Plan N across carriers — so you can decide with confidence.
What is a Medicare Supplement plan?
A Medicare Supplement plan — also called Medigap — works alongside Original Medicare (Parts A and B) to help pay for certain out-of-pocket costs, like copayments, coinsurance, and deductibles.
These plans are sold by private insurance companies and are standardized, meaning a given plan letter offers the same core benefits no matter which carrier sells it. What can differ is the price and the company behind it — which is exactly where comparing options pays off.
Medigap helps pay the out-of-pocket costs Original Medicare leaves behind. Since plan letters are standardized, comparing price and carrier is what matters.
Plan G vs. Plan N
| Feature | Plan G | Plan N |
|---|---|---|
| Overall coverage | One of the most comprehensive options for new enrollees | Often a lower-premium alternative with some cost-sharing |
| Premium | Typically higher | Typically lower |
| Cost-sharing at the point of care | Minimal after the Part B deductible | Small copays for certain office and emergency visits |
| See any provider who accepts Medicare | Yes — no network restrictions | Yes — no network restrictions |
| Prescription drug coverage | Not included (add a separate Part D plan) | Not included (add a separate Part D plan) |
Plan benefits are standardized by law; details apply within the current plan year. Several other plan letters also exist.
Who benefits most
Want predictable costs
You’d like more predictable out-of-pocket spending.
Value provider freedom
You want to see any provider who accepts Medicare — no networks.
Travel often
You want coverage that travels well, without network limits.
How we help you compare
Same coverage, compared
Since plan letters are standardized, we compare price for identical benefits.
Carrier strength
We weigh company reliability, not just the premium.
Add Part D
We help you pair a separate prescription drug plan for your medications.
Frequently asked questions
What’s the difference between Plan G and Plan N?
Both are popular. Plan G tends to cover more out-of-pocket costs, while Plan N often has a lower premium with some cost-sharing. We’ll help you weigh which fits your budget and preferences.
Does Medigap cover prescriptions?
No — Medigap doesn’t include drug coverage. You’d typically add a separate Part D plan, which we can help you choose.
Can I see any doctor with a Medigap plan?
Generally you can see any provider who accepts Original Medicare, without network restrictions. We can confirm the details for your situation.
When is the best time to enroll?
There’s a Medigap open enrollment period tied to when you first have Part B, which can affect your options. We’ll explain the timing that applies to you.
Is one carrier better than another if the benefits are the same?
Since core benefits are standardized, price and company reliability matter most. We help you compare both.
The Jeff George Agency is a licensed insurance agency. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Let’s compare your options.
A licensed advisor will walk you through Medigap plans clearly — no pressure, no obligation.
Talk to an AdvisorMedicare Supplement plans by state
Medigap benefits are standardized, but a few states set their own rules. For example, Oregon has a yearly “birthday rule” that lets you change plans without health questions, and Wisconsin uses its own plan structure instead of the usual lettered plans. Texas and Ohio also have specific rules for people under 65. Find your state below.