Medigap fills the gaps Original Medicare leaves behind — the Part A deductible, 20% Part B coinsurance, skilled nursing coinsurance, and more. Plans are federally standardized (A through N), so Plan G benefits are identical at every insurer. We shop purely on price.
2025–2026 Coverage Highlights (Costs are updated annually)
CoveragePart A deductible, Part B coinsurance, SNF coinsurance
Plan GCovers everything except $257 Part B deductible (2025–2026)
Plan NLower premium — small copays for some visits
Network RestrictionsNone — any Medicare-accepting provider in the U.S.
Foreign Travel EmergencyUp to $50,000 lifetime coverage on many plans
Guaranteed IssueAt 65 during Open Enrollment — no health questions
Separate Part D NeededYes — Medigap doesn't include drug coverage
Nationwide provider freedom — any doctor or hospital in the U.S. accepting Medicare. No referrals, no networks, no prior authorizations
Predictable monthly costs — know exactly what you'll pay each month regardless of how much care you use
Plan G — most comprehensive — covers Part A deductible, Part B coinsurance (after deductible), SNF coinsurance, and foreign travel emergency up to $50,000
Federally standardized benefits — Plan G has identical benefits at every insurer. We find the lowest rate in your zip code
Guaranteed issue at 65 — during your 6-month Medigap OEP, no insurer can deny you or charge more for pre-existing conditions
Best for travelers & snowbirds — coverage follows you to any state; Plan G includes foreign travel emergency benefit
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