Top 10 Companies

#1
9.5 / 10
  • Make Sense of Medigap
  • All Supplemental Medicare Options
  • Get Quotes Free of Charge
  • Best Plans at Lowest Prices
  • Plans from Blue Cross Blue Shield, Humana, more
#2
9.4 / 10
  • 9.4 Trustpilot Rating
  • Unbiased Medicare Experts
  • Best Plans/Best Rates
  • All the Top Carriers
  • Supplemental Coverage by Area
#3
Our Partner
9.3 / 10
  • Plans Cover What Medicare Doesn't
  • Compare Quotes from Top Carriers
  • Plans A through N Available
  • Reduce of Eliminate Out-of-Pocket Expenses
  • Simple Online Application Process
#4
9.0 / 10
  • Compare Plans from Multiple Carriers
  • Humana, Aetna, Mutual of Omaha, etc.
  • Quick Online Process
  • Great Educational Resources
  • Help from Insurance Professionals
#5
8.8 / 10
  • Search Medicare Supplement Plans by State
  • Helps Cover Costs Not Covered by Original Medicare
  • Use Your Current Doctors and Hospitals
  • No Network Restrictions
#6
8.8 / 10
  • 100% privacy guaranteed
  • Get insured in five easy steps
  • Compare free, competing quotes from their network of more than 25 companies
  • Save time and money
  • Visit the doctor or facility of your choice
#7
8.7 / 10
  • Comparison Shop Multiple Quotes From One Website
  • No Obligation To Buy
  • Simple, Efficient, and Quick
  • Save Time and Money!
  • Options for Individuals, Families, Young Adults, and Seniors
#8
8.7 / 10
  • Quotes from SelectQuote, UnitedHealthcare, and more.
  • Medigap Plans that Cover What Medicare Misses
  • Coverge for Coinsurance, Copays, and Deductibles
  • Limited Personal Information Required
#9
8.7 / 10
  • 30+ Top Medigap Providers 
  • Helps Customers Understand the Complexities of Medigap
  • Get Real Quotes by Email, No Phone Number Required
  • Outstanding Customer Service
  • Online Medicare Education Center
#10
8.6 / 10
  • Obtain free quotes
  • Save time and money!
  • Compare competing carriers to find the best choice for you
  • Their network includes insurers for Medicare A, B, D, and Supplement plans
  • Visit the doctor or facility of your choice
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How We Compare Medicare Supplement Insurance

Services and Features

25%

Search for a Medicare supplement insurance provider that offers a mixture of services and reasonable rates. Services must include foreign travel emergency, skilled nursing facility, low out-of-pocket costs and everything that contributes to the convenience of policyholders.

  • Skilled Nursing Facility – this includes semi-private room, skilled nursing care, meals, medications, dietary counseling, medical supplies, physical and occupational therapy, speech-language pathology services, and ambulance transportation.
  • Renewable Policy – a policy that lets the insurer continue their insurance coverage as long as premiums are settled on the policy.
  • Low out of pocket costs – immediate disbursements of cash by the policy holder that can be refunded later. 
  • No Referrals Required –does not require a health referral from a specialist before applying for a Medicare supplement insurance policy.
  • Own Choice of Specialist and Hospital – clients are allowed to select their preferred physician and hospice.
  • Customized Medicare Plans – policyholders may choose their desired plans according to their Medicare supplement insurance needs.
  • Foreign Travel Emergency – enables clients to obtain Medicare assistance even outside the US.
  • Medicare Insurance Programs – variation of Medicare supplement insurance policies that allows a client to select the best insurance coverage that fits their needs.

Coverage

20%

Like all insurance policies, the best Medicare supplemental insurance should provide the widest coverage with its policies. The amount of coverage can be based on the client’s preferred inclusions and medical coverage. Standard Medicare coverage is very basic and offers limited benefits. Medical supplemental insurance should be able to offer better coverage and pick up where Medicare coverage ends.

  • Coinsurance and Hospital Cost
  • Coinsurance and Copayment
  • Hospice Care
  • Medicare Part A&B Deductibles   
  • Drug Prescription
  • Nationwide Coverage
  • Coverage Rate
  • Outpatient Care
  • Laboratories

Qualifications

15%

Medicare supplement insurance qualifications are very similar to those of Medicare insurance. This is because Medicare supplement insurance merely provides extended coverage where Medicare falls short. Applicants must be at least 65 years and a resident of a state where the policy is offered. And if under 65, a qualified policyholder must have end stage renal disease and/or disability. Some insurance companies do not allow applications from a person with a disability or with end-stage renal stage until they reach the age of 65. Plan offerings and eligibility varies per state and your preferred insurance provider.

  • 65 Years and Above   
  • End-Stage Renal Disease   
  • With Certain Disabilities  

Pricing Details

25%

Before buying Medicare Supplement Insurance, consider understanding and combining your healthcare purchasing power. There are several terms or technical language you’ll come across and becoming familiar with them makes it easier for you to understand the benefits of your Medicare supplemental insurance policy.

Premiums – These are the payments you make for your insurance. It is based on client’s age (the older the policyholder, the higher the premiums will be), family size (single vs. individual plus a spouse and/or children), tobaccos user (companies can’t be charge 1.5 times higher versus non-tobacco user is charged) and location (insurers charge more in areas where medical cost are high). Policyholders who have history of health problems can also charge higher premium. 

Deductible – This is the payment that the policyholder is responsible to pay for medical coverage expenses. When the client files a claim, they are required to shoulder a percentage of the healthcare costs.   

Co-Pays – Some Medicare supplement insurance have co-pays. It is a set price for different services you may need. For instance, you need to pay a $100 co-pay for an emergency room visit or $20 co-pay for primary care physician visit.

Maximum Out-of-Pocket – It is a maximum amount set by the insurance company that may cover the cost of the rest of your medical expenses. This will require paying co-insurance, co-payments and deductibles in a year.  

Co-Insurance – Cost of covered medical services shared between the policyholder and the insurance company. Medicare supplement insurance plan commonly has 80/20 coinsurance, meaning 80% of the covered medical expenses will be paid by the insurance company and the 20% remaining will be shouldered by the policyholder of the same covered medical expense 


Types of Plans

15%

Coverage and benefits differ according to the Medicare supplemental insurance plan offered by the insurance provider. Plans can have different coverage, deductible and special coverage options. These are also subject to the conditions set by the underwriter and other restrictions. A pre-existing condition for example can affect your eligibility for coverage.

There are 10 different plan options for Medicare supplement insurance. They differ on percentage they will pay of not-covered Medicare items, deductibles, out of pocket limits, foreign travel emergency coverage, etc. These plans are subject to medical underwriting or other restrictions. All plans are standardized and must follow state and federal law. But because these plans are offered through private institutions, the cost structure for the exact same plan can vary widely depending on the provider you choose. See the documents and policy for a detailed description, benefits, exclusions, condition and limitations of coverage. 

Medicare Supplemental Benefits Supplemental Medicare Plans (Medigap)
A B C D F G K L M N
Part A coinsurance and hospital costs up to an
additional 365 days 
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A

 $5,120

$2,560

N/A N/A