---
title: Medigap (Medicare Supplement) Plans Explained | Everything Senior Insurance
url: https://eseniorinsurance-redesign-demo.pages.dev/medigap/
updated: 2026-10-09
---

Medicare Supplement

# Medigap plans, made simple.

Medigap plans fill the gaps in Original Medicare, the deductibles and the 20% you would otherwise pay. You can see any doctor in the country who accepts Medicare. The tradeoff is a higher monthly premium.
[Get Medigap quotes](tel:+18012555340)[Compare Plan G and Plan N](https://eseniorinsurance-redesign-demo.pages.dev/tools/#plan-g-vs-n)
ANY DOCTOR WHO TAKES MEDICARE
STANDARDIZED BENEFITS

2026
Plan G vs Plan N

Same doctors. Different math.
Part B deductible
**$283 on both**
Office visit copay
**G $0 / N up to $20**
ER copay
**G $0 / N up to $50**
Part B excess charges
**G covered / N not**
Benefits are standardized. Premiums are not.

**Same plan letter**Same benefits with every carrier.

Written by the Everything Senior Insurance Data Desk, reviewed by Christian Brindle.
Last updated October 9, 2026

**Talk it through**A licensed agent can compare the plans we represent against your doctors and prescriptions, at no cost to you.[Call 801-255-5340](tel:+18012555340)
**A Medigap plan is supplemental insurance that pays some or all of what Original Medicare leaves you: the Part A and Part B deductibles, the 20% Part B coinsurance and hospital costs.** Plans are standardized by letter, so a Plan G from one company has the same benefits as a Plan G from another. What differs is the premium, the company’s rate history and its service.

## How Medigap works with Original Medicare

Medicare pays its share of an approved bill first, then your Medigap plan pays its share. There are no networks: any doctor or hospital in the U.S. that accepts Medicare accepts your plan. Medigap does not include drug coverage, so most people pair it with a separate [Part D plan](https://eseniorinsurance-redesign-demo.pages.dev/part-d/).

## Plan G vs Plan N in 2026

| Benefit | Plan G | Plan N |
|---|
| Part A deductible ($1,736 in 2026) | Covered | Covered |
| Part B deductible ($283 in 2026) | You pay | You pay |
| Part B 20% coinsurance | Covered | Covered, except copays |
| Office visits | $0 after the deductible | Up to $20 per visit |
| Emergency room | $0 after the deductible | Up to $50, waived if admitted |
| Part B excess charges | Covered | Not covered |
| Foreign travel emergency | 80% up to plan limits | 80% up to plan limits |

Source: [CMS, 2026 Medicare Parts A and B premiums and deductibles](https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles)
Plan F still exists, but only people who were eligible for Medicare before January 1, 2020 can buy it. For most new enrollees, Plan G is the most complete option. Try the [Plan G vs Plan N calculator](https://eseniorinsurance-redesign-demo.pages.dev/tools/#plan-g-vs-n) with real quotes.

## When you can buy without health questions

Your Medigap Open Enrollment Period is the six months starting the month you are 65 or older and enrolled in Part B. During it, a company cannot turn you down or charge more because of your health. After it, in most states, the company can ask health questions and decline you, unless a guaranteed issue right applies (for example, your Medicare Advantage plan leaves your area). That is why the first decision matters.

## How premiums are priced and why they rise

Companies price plans in one of three ways: community rated (same price for everyone), issue-age rated (based on your age when you buy) or attained-age rated (rises as you age). Premiums also rise with medical costs. Let’s be real: rate increases have been steep the last few years, which is why we review clients’ supplement rates and shop them when it makes sense and when health questions allow.

## Medigap or Medicare Advantage?

Medigap costs more each month but makes your costs predictable and lets you see any Medicare provider. Medicare Advantage often costs less each month but uses a network and copays. Neither is right for everyone. We walk through both, with your doctors and prescriptions in front of us.

Good questions

## Questions, answered.

**What does Medigap Plan G not cover?**

The Part B deductible ($283 in 2026), prescription drugs, and routine dental, vision and hearing. Most people add a Part D plan for drugs.

**Can I be turned down for a Medigap plan?**

Not during your six-month Medigap Open Enrollment Period or when a guaranteed issue right applies. Outside those windows, most states let companies ask health questions.

**Are Medigap plans the same with every company?**

The benefits are. A Plan G is a Plan G. Premiums, how the company raises rates over time, and customer service differ.

**Does Medigap include prescription drug coverage?**

No. Plans sold today do not include drug coverage, so you buy a separate Part D plan.

**Can I keep my Medigap plan if I move?**

Yes. Medigap is guaranteed renewable as long as you pay the premium, and it works with any provider that accepts Medicare anywhere in the U.S.

Let’s take the next step together

## Let’s look at your rate.

If your supplement premium went up, call 801-255-5340. We will see what your options are.

[Call an advisor](tel:+18012555340)[Send a message](https://eseniorinsurance-redesign-demo.pages.dev/contact-us/)