Medicare
Medigap
Standardized lettered plans that pay many costs left by Parts A & B to make expenses predictable.
The quick version
If you only read one thing, read this
- 1
Covers many Part A & B cost gaps (deductibles, coinsurance, excess charges) to make bills more predictable.
- 2
Monthly plan premium (typically $90–$210 depending on letter) on top of Part B premium ($202.90 in 2026); minimal point-of-service costs.
- 3
Guaranteed issue during your 6-month Medigap OEP (starts with Part B); otherwise medical underwriting may apply.
The details
The stuff that matters, one piece at a time
Benefits
Covers many Part A & B cost gaps (deductibles, coinsurance, excess charges) to make bills more predictable.
What it costs
Show me the money
- Monthly Premium Range
- $90–$210 USDVaries by letter, age, zip, carrier
- Part B Premium (2026)
- $202.90 USDStandard; IRMAA surcharges may apply
- Part B Deductible Left
- Yes ($283)All current plans except F leave it (F closed to most new enrollees)
The honest take
What's good, and where it falls short
The good stuff
- Predictable costs with minimal surprise bills
- Nationwide provider access. Any doctor accepting Medicare
- Standardized benefits regardless of carrier
The catch
- Separate Part D and dental/vision policies needed
- Premiums increase over time (age, inflation, claims)
- Medical underwriting outside guaranteed issue windows
Head to head
Medigap vs. Medicare Advantage
The two main roads people take with Medicare.
Buyer beware
The mistakes that cost folks the most
Missing your 6-month guaranteed issue window and facing medical underwriting later
Assuming drug coverage is included. You need a separate Part D plan
Delaying dental coverage until major work is needed, raising out-of-pocket risk
Not comparing rate types (attained-age vs issue-age vs community-rated) across carriers
Common questions
What folks ask us most
Keep learning
Watch these next
The Insurance Hawk
Ready to put Medigap to work?
See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.