Medicare Supplement Plan Calculator 2025
Compare Medigap plans A through N with personalized pricing based on your ZIP code. Find the best supplemental coverage for your Medicare needs.
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Understanding Medicare Supplement Plans
Medicare Supplement Insurance (Medigap) policies help pay some of the health care costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S.
Most Popular Plans in 2025
Plan G - Most Comprehensive
Best choice for new Medicare beneficiaries. Covers everything except the Part B deductible ($240 in 2025).
- • Covers Part A deductible and coinsurance
- • Covers Part B excess charges
- • Includes foreign travel emergency coverage
- • No out-of-pocket limit
Plan N - Lower Premium Option
Good balance of coverage and cost. Requires small copays for doctor visits and emergency room visits.
- • $20 copay for office visits
- • $50 copay for emergency room visits
- • Does not cover Part B excess charges
- • Lower monthly premium than Plan G
When to Enroll
6-Month Open Enrollment Period
The best time to buy a Medigap policy is during your 6-month Medigap Open Enrollment Period. This period automatically starts the month you're 65 or older and enrolled in Medicare Part B.
During this time you have:
- Guaranteed issue rights (can't be denied coverage)
- Can't be charged more due to health conditions
- No medical underwriting required
Choosing the Right Plan
- Consider your current health needs and budget
- Think about future health needs and potential medical costs
- Compare premiums from multiple insurance companies
- Check the insurance company's financial strength rating
- Understand what's covered and what's not
Cost Factors
Medigap premiums can vary significantly based on several factors:
Geographic Factors
- Location varies by state and ZIP code
- Urban areas typically have higher premiums
- Some states have more competitive markets
Personal Factors
- Age (premiums increase with age in most states)
- Gender (some states allow gender-based pricing)
- Tobacco use (smokers often pay 25% more)
- Health status (during underwriting periods)
Pricing Methods
Issue-age rated: Premium based on your age when you first buy the policy
Attained-age rated: Premium increases as you get older
Community-rated: Everyone pays the same premium regardless of age