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.
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).
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.
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.
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.
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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