Medicare Supplement Insurance
Find Medigap Plan G & Plan N options in your area.
Medicare Supplement plans help cover the costs Original Medicare leaves behind. Enter your ZIP code to start comparing Plan G and Plan N options available where you live — with guidance from a licensed Medicare professional.
- Plan G & Plan N comparison
- No network restrictions
- Licensed-agent assistance
Bob Crane, CFP®, MTax
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Start with 3 quick questions
Medigap plans vary by location, so we begin with a few basics.
What Is Medicare Supplement Insurance?
Medicare Supplement insurance — also called Medigap — is sold by private insurance companies to help pay for healthcare costs that Original Medicare (Parts A and B) doesn't cover, including copayments, coinsurance, and deductibles.
Unlike Medicare Advantage, Medigap works alongside Original Medicare. You keep your Medicare benefits and use your Medigap plan to cover the remaining costs. There are no networks — you can see any doctor or specialist who accepts Medicare, anywhere in the country.
No Networks
See any Medicare-accepting provider nationwide — no referrals required.
Predictable Costs
Know your out-of-pocket exposure before you need care.
Guaranteed Renewable
Your coverage cannot be cancelled as long as you pay your premiums.
Standardized Benefits
Plan G is Plan G regardless of which company sells it — compare on price and service.
Plan G, Plan N & High-Deductible G — Side-by-Side Comparison
Download our free one-page comparison flyer to see exactly how Plan G, Plan N, and High-Deductible Plan G stack up — benefits, costs, and who each plan is best for.
Plan Comparison
Plan G vs. Plan N
For most new Medicare enrollees, Plan G and Plan N are the two most popular Medigap options. Both are comprehensive — the key differences are the Part B excess charge coverage and the copay structure.
Plan G
Most PopularThe most comprehensive Medigap plan available to new enrollees. After you pay the annual Part B deductible, Plan G covers virtually all remaining Medicare-approved costs.
- Part A hospital coinsurance & hospital costs up to an additional 365 days after Medicare benefits are used
- Part B coinsurance or copayment (100%)
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible — NOT covered
- Part B excess charges
- Foreign travel emergency (up to plan limits)
Plan N
Lower PremiumA cost-effective alternative to Plan G. Plan N typically carries a lower monthly premium in exchange for small copays and no coverage for Part B excess charges.
- Part A hospital coinsurance & hospital costs up to an additional 365 days after Medicare benefits are used
- Part B coinsurance or copayment (copays up to $20 office / $50 ER)
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible — NOT covered
- Part B excess charges — NOT covered
- Foreign travel emergency (up to plan limits)
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A coinsurance & hospital costs | ✓ | ✓ |
| Part B coinsurance / copayment | 100% | Up to $20 copay |
| Blood (first 3 pints) | ✓ | ✓ |
| Part A hospice coinsurance | ✓ | ✓ |
| Skilled nursing facility coinsurance | ✓ | ✓ |
| Part A deductible | ✓ | ✓ |
| Part B deductible | ✗ | ✗ |
| Part B excess charges | ✓ | ✗ |
| Foreign travel emergency | Up to limits | Up to limits |
| ER copay (non-admission) | None | Up to $50 |
| Typical premium | Higher | Lower |
Common Questions
Frequently Asked Questions
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Talk to a Medicare Supplement Specialist
There's no cost and no obligation. We'll compare plans from multiple carriers and help you find the right coverage at the best available rate for your area.
We are licensed in Alabama, Florida, Georgia, and Tennessee, Mississippi and Ohio.
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Call us today or submit the form above. There's no cost, no pressure, and no obligation.
Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. TTY users should call 1-877-486-2048. Medicare has neither reviewed nor endorsed this information.
Prime Time Health & Wealth is licensed to offer Medicare Supplement insurance in Alabama, Florida, Georgia, and Tennessee. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Benefits and premiums vary by plan and carrier. This is a solicitation of insurance.