Last updated: March 2026
How Much Does Medicare Supplement (Medigap) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Medigap Plan F (monthly) | $0 – $0 | $150 – $400 |
| Medigap Plan G (monthly) | $0 – $0 | $100 – $300 |
| Medigap Plan N (monthly) | $0 – $0 | $75 – $200 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Medigap policies cover out-of-pocket costs not covered by Original Medicare, including copays, coinsurance, and deductibles.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Medigap premiums range from $75 to $400 per month depending on the plan, location, age, and insurance company. Plan G averages $150 to $250 per month.
Plan G is the most popular Medigap plan. It covers everything Plan F covers except the Part B deductible ($240 in 2024), while having lower premiums.
The best time is during your 6-month Medigap Open Enrollment Period starting when you turn 65 and enroll in Medicare Part B. During this period, insurers cannot deny coverage or charge more for health conditions.