How to Compare Medigap Plans in 2025
By Daniel Petkevich
Jul 14, 2025
An overview of the pros and cons of different Medigap plans.
1. Remember: Every Letter Is Standardized
Speak with a Medicare Advocate
Medigap benefits are set by law, not by the insurance company. A Plan G from Cigna must cover the exact same medical gaps as a Plan G from Anthem—the only real difference is the premium you pay.
2. Narrow the Alphabet to a Short List
Most people end up weighing just a handful of plans:
Plan G — broadest coverage now available to new beneficiaries.
Plan N — lower premiums, but small copays for office and ER visits.
High-Deductible Plan G (HD-G) — rock-bottom premiums; you shoulder a $2,800 deductible first.
Plans K & L — cost-sharing options with out-of-pocket limits. Start here, then rule plans out that cost more yet cover less (for example, Plans C, D, M, and B often get cut for exactly that reason).
3. Pull Quotes in Your ZIP Code
Identical coverage can cost $50–$100 a month more from one carrier to the next, and some states are simply pricier than others. New York and Connecticut, for instance, average $300–$500 monthly because they offer year-round open enrollment.
4. Look at the Carrier, Not Just the Plan
While benefits are standardized, carrier “extras” vary:
Rate-history & financial strength — steady premiums and solid AM Best grades are good signs.
Household or multi-policy discounts — can cut 5–12 % off the bill.
Customer service — some insurers handle claims faster and answer phones quicker.
These soft factors matter once the price gap between two quotes is small.
5. Check Your Timing
Outside your six-month Medigap Open Enrollment window (or other guaranteed-issue periods), insurers can ask health questions and charge more—or decline you entirely. If you’re healthy today, shop now; if you’re not, speak with an agent about any special rights you might have.
What we tell our friends and family: When in doubt, price Plan G first. If the premium is too high, look at Plan N or HD-G before sacrificing core benefits.
Need a Hand Comparing?
Our licensed Medicare advocates can run side-by-side quotes from every major carrier in minutes—so you don’t overpay for the same benefits. Call 888-376-2028 or book a time that works for you.
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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
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