10 Best Medicare Supplement Insurance for 2026
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Quick Online Free Quotes to Compare Plans in Your Area
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Plans can cover the 20% gap that Original Medicare doesn’t cover
- Chat with a licensed insurance agent today
- Medicare supplement plans that can travel with you
Learn what Medigap is, when you can enroll, and how to apply — then compare other top-rated providers below.
Medigap is private insurance that works with Original Medicare (Parts A & B) to help cover out-of-pocket costs like deductibles, copays, and coinsurance. You keep your Medicare card and can see any doctor or hospital that accepts Medicare.
More predictable costs, nationwide access, and fewer network restrictions — helpful for frequent travelers and snowbirds.
Choose the path that fits your situation below to learn when you can enroll and what to do next.
Path 1: You already have Original Medicare (Parts A & B)
If Parts A & B are active, you can apply for Medigap — timing matters.
- Confirm Parts A & B: You must be enrolled in both Medicare Part A and Medicare Part B before you can apply for a Medigap policy.
- Know your best window: Your one-time Medigap Open Enrollment Period lasts 6 months and starts the first month you’re 65 or older and have Part B.
- Compare & apply: Compare prices for the same letter plan (example: multiple Plan G options), choose an effective date, and submit your application with the provider you choose.
Path 2: You have a Medicare Advantage plan
To get Medigap, you must return to Original Medicare first.
- Switch back to Original Medicare during an allowed period: You can generally change coverage during Oct 15–Dec 7 (effective Jan 1). If you’re in Medicare Advantage now, you can also make a one-time change between Jan 1–Mar 31 (effective the first day of the month after your plan gets the request).
- After you request the switch: Apply for a Medigap policy to pair with Original Medicare, and (if you want drug coverage) enroll in a separate Part D plan. Try to align effective dates so coverage starts when Original Medicare does.
- Important: In certain situations you may have a protected right to get a Medigap policy, and you may need to apply within a specific timeframe (often starting 60 days before your coverage ends and up to 63 days after it ends).
Path 3: You’re new to Medicare (don’t have Parts A & B yet)
Start Medicare first — then your Medigap enrollment window begins.
- Enroll in Medicare: Sign up for Part A and Part B through Social Security when you’re first eligible.
- Then apply for Medigap: After you enroll in Part B, your one-time Medigap Open Enrollment Period starts (6 months). This is typically the best time to compare plans and apply.
- Add Part D for prescriptions if you want drug coverage.
ConsumersAdvocate.org compares Medicare Supplement (Medigap) plans only and isn’t affiliated with Medicare or any government agency.
-
Quick Online Free Quotes to Compare Plans in Your Area
-
Plans can cover the 20% gap that Original Medicare doesn’t cover
- Chat with a licensed insurance agent today
- Medicare supplement plans that can travel with you
- Connect with licensed agents to assist with questions
- Explore a variety of coverage options
- Free no-obligation service
- Licensed insurance agents based in the U.S.
Wondering How To Find The Best Medicare Supplement Plan For You?
Explore options tailored to your needs, including various parts and plans of Medicare and additional coverage add-ons.
Compare Medigap Plan Benefits
Benefits are standardized by plan letter, but cost and availability vary by insurer and state. Use this chart to compare common Medigap plans at a glance.
| Benefits |
F
|
G
|
K
|
L
|
N
|
|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B copays/coinsurance | ✓ | ✓ | 50% | 75% | ✓ (copays may apply) |
| Blood (first 3 pints) | ✓ | ✓ | 50% | 75% | ✓ |
| Part A hospice | ✓ | ✓ | 50% | 75% | ✓ |
| Skilled nursing facility | ✓ | ✓ | 50% | 75% | ✓ |
| Part A deductible | ✓ | ✓ | 50% | 75% | ✓ |
| Part B deductible | ✓ | × | × | × | × |
| Part B excess charges | ✓ | ✓ | × | × | × |
| Foreign travel emergency | 80% (up to limits) | 80% (up to limits) | × | × | 80% (up to limits) |
| Out-of-pocket yearly limit (2026) | — | — | $8,000 | $4,000 | — |
- Plans F and G may offer a high-deductible option in some states.
- Plans K and L pay 50% and 75% (respectively) until you reach the plan’s yearly out-of-pocket limit. After you meet that limit (and the yearly Part B deductible), the plan pays 100% of covered services for the rest of the year.
- Plan N pays 100% of Part B coinsurance, except for copays on some office visits and some emergency room visits.
*If you live in Massachusetts, Minnesota, or Wisconsin, your state uses different standardized plans.
Mutual of Omaha Medicare Supplement Insurance (Direct)
Mutual of Omaha Company Overview:
Mutual of Omaha is an insurance provider headquartered in Omaha, Nebraska. It was founded in 1909 and offers a range of products, including life insurance, long-term care insurance, dental insurance, and Medicare Supplement insurance.
- Medigap Plan Options
- Popular choices like Plan G, Plan N, and more.
- Immediate Coverage
- No waiting periods for pre-existing conditions when you enroll during guaranteed issue periods.
- Nationwide Access
- See any doctor or hospital accepting Medicare.
- No Referrals Needed
- Visit any specialist who accepts Medicare. No approval or referral required.
- Household Discount
- Potential savings when family members enroll together.
- Easy Enrollment Process
- Apply online or on the phone.
- Trusted Experience
- With over 100 years of experience in the field, Mutual of Omaha and its affiliates brings considerable financial strength.
Find your Medicare Supplement plan
MedicareSupplement.com
About MedicareSupplement.com:
Looking for the right Medicare Supplement (Medigap) plan can feel overwhelming—but MedicareSupplement.com is here to make it easier. This trusted online platform, run by TZ Insurance Solutions LLC (a licensed insurance agency), helps you compare Medigap plans side by side and connect with licensed agents who can guide you every step of the way. While the site offers a broad selection of plans, it’s a smart idea to explore additional sources too, so you can be confident you're seeing all your options.
- Compare Plans Easily
- Compare plans from multiple insurers in your state.
- Wide Plan Selection
- Access popular plans like G, N, and more.
- No Obligation Quotes
- Get free quotes without commitment.
- Transparent Costs
- See premiums and benefits upfront.
- Licensed Agents
- Speak with experts for guidance on your options.
- Simple Process
- Apply online or by phone in minutes.
Extra Help & Resources:
MedicareSupplement.com isn’t just for plan comparisons—you’ll also find helpful articles, guides, and a free Medicare guide to give you extra clarity as you explore your options. It’s a great place to start learning and take the next step with confidence.