Medicare Supplement Plans Made Easier to Compare

Explore Medicare Supplement Insurance options with help from a licensed Compare Health agent. Request a free benefit review or schedule a no-obligation appointment today.

Compare Medicare Supplement Plans

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Blue Cross Blue Shield, HealthSpring, Humana, Devoted, Aetna and Wellpoint

What Is a Medicare Supplement Plan?

Medicare Supplement Insurance, often called Medigap, is private insurance designed to work with Original Medicare. It can help pay certain out-of-pocket costs that Original Medicare Part A and Part B leave to you, such as deductibles, copayments, and coinsurance. A Medicare Supplement plan does not replace Original Medicare; it helps fill certain cost-sharing gaps after Medicare pays its approved share for covered services.

• Works with Original Medicare: You generally must have Medicare Part A and Part B to purchase a Medicare Supplement policy.
• Not Medicare Advantage: A Medicare Supplement plan is different from a Medicare Advantage plan. In general, you cannot use a Medigap policy with a Medicare Advantage plan.
• Standardized plan letters: In most states, Medigap policies are standardized by plan letter, meaning the basic benefits for the same letter are the same across insurance companies, although premiums and discounts can vary.
• Separate drug coverage: Newer Medicare Supplement policies do not include outpatient prescription drug coverage. If you want drug coverage, you may need a separate Medicare Part D plan.
• Premiums vary: You pay a monthly premium to the insurance company in addition to your Medicare Part B premium. Premiums and discounts may vary by state, ZIP code, age, tobacco status, household status, payment method, and company.

Why Schedule a Free Benefit Review?

Choosing a Medicare Supplement plan is not just about picking a plan letter. The right review should look at your current coverage, timing, provider preferences, travel needs, budget, prescription drug needs, and whether underwriting or guaranteed issue rules may apply.

1. Understand your options: We explain how Medicare Supplement plans work with Original Medicare and where they may fit in your overall Medicare coverage.
2. Compare plan letters and costs: We can help you review commonly selected options such as Plan G, Plan N, and other available plan letters in your state.
3. Review timing and eligibility: We can discuss Medigap Open Enrollment, guaranteed issue rights, and when an application may involve health questions or underwriting.
4. Check related coverage needs: Because Medicare Supplement policies do not include Part D drug coverage, we can help identify when a separate prescription drug plan review may be appropriate.
5. No pressure and no obligation: The review is free, and you are not required to enroll in a plan.

Medicare Supplement May Be Worth Reviewing If You Want:

• More predictable medical cost-sharing with Original Medicare.
• Help paying certain Medicare-approved deductibles, copayments, or coinsurance.
• The ability to keep Original Medicare as your primary coverage instead of enrolling in Medicare Advantage.
• A better understanding of how premiums compare between companies for the same standardized plan letter.
• Help deciding whether a Medicare Supplement, Medicare Advantage, Part D plan, or other coverage path fits your needs.

Before You Call or Schedule

To make your free review more useful, have this information ready if available:

• Your Medicare card or your Part A and Part B effective dates.
• Your ZIP code and county of residence.
• Your current Medicare coverage, monthly premiums, and any notices you recently received.
• Your preferred doctors, hospitals, and pharmacies if you also want to discuss related Medicare plan options.
• Your prescriptions, dosage, and pharmacy if you also want a Part D review.
• Any household, tobacco, or payment method details that may affect available rates or discounts.

Do not guess. Review your options before you choose.

Medicare Supplement plans can change from year to year. Provider networks, drug formularies, premiums, copays, and extra benefits may change. A quick review can help you understand what is available where you live and whether a plan may fit your needs.

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New To Medicare?

Learn how Medicare Supplement plans work with Original Medicare before you choose.

Already have coverage?

Review your current premium, plan letter, and available options in your state.

Prefer an appointment?

Schedule a time with a licensed agent and get a no-obligation benefit review.

Frequently Asked Questions

Is a Medicare Supplement plan the same as Medicare Advantage?

No. Medicare Supplement Insurance works with Original Medicare. Medicare Advantage is another way to receive Medicare benefits through a private plan. In general, you cannot have both at the same time.

Can I keep my doctor with a Medicare Supplement plan?

Medicare Supplement policies generally work with providers who accept Medicare. Certain Medicare SELECT policies may involve network rules. A licensed agent can help you understand how the policy type works in your state.

Does Medicare Supplement include prescription drug coverage?

New Medicare Supplement policies do not include outpatient prescription drug coverage. Many people pair Original Medicare and a Medicare Supplement policy with a separate Medicare Part D prescription drug plan.

When is the best time to review Medicare Supplement options?

A key time is your one-time Medigap Open Enrollment Period, which generally begins when you are age 65 or older and enrolled in Medicare Part B. You may also have guaranteed issue rights in certain situations. Outside these windows, underwriting may apply depending on state rules and carrier guidelines.

Why do premiums differ if the benefits are standardized?

In most states, the basic benefits for the same Medigap plan letter are standardized, but companies may charge different premiums and offer different discounts. Rates may also depend on location, age, tobacco use, household status, payment method, and other factors.

Is the benefit review really free?

Yes. Compare Health offers a free, no-obligation review with a licensed insurance agent. There is no requirement to enroll.

Recognizable Medicare Carriers

Compare Health works with well-known Medicare insurance carriers in the states and service areas where we operate. In Illinois, Montana, New Mexico, Oklahoma, and Texas, Compare Health works exclusively with Blue Cross and Blue Shield Medicare products where available. In other states where Compare Health operates, available carrier options may include Humana, UnitedHealthcare, HealthSpring, Devoted Health, Anthem, Blue Cross and Blue Shield, Aetna, and other carriers depending on product type, county, and eligibility.