Medicare Supplement (Medigap) Calculator 2026
Compare Medigap plan costs. Medicare covers about 80% of medical costs — supplement plans cover the remaining 20% (deductibles, copays, coinsurance).
🏥 Medicare Supplement Cost Estimator
Best enrollment window: During your 6-month Medigap Open Enrollment Period (starts the month you turn 65 AND are enrolled in Medicare Part B). During this window, you cannot be denied or charged more due to health conditions.
Medicare Supplement Plan Comparison 2026
| Plan | Monthly Cost | Part A Deductible | Part B Excess | Foreign Travel | Popularity |
|---|---|---|---|---|---|
| Plan A | $90-200 | ❌ | ❌ | ❌ | Low |
| Plan B | $120-250 | ✅ | ❌ | ❌ | Low |
| Plan F* | $150-350 | ✅ | ✅ | ✅ | High (legacy) |
| Plan G | $130-300 | ✅ | ✅ | ✅ | Most Popular |
| Plan N | $100-230 | ✅ | ❌ | ✅ | Best Value |
*Plan F closed to new Medicare enrollees after Jan 1, 2020. Only available if you became Medicare-eligible before 2020.
Plan G vs Plan N — Most Popular Comparison
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly Premium | $130-300 | $100-230 |
| Part B Deductible ($240/yr) | YOU pay | YOU pay |
| Part B Copay | None | $20 per visit |
| Part B Excess Charges | ✅ Covered | ❌ Not covered |
| ER Copay | None | $50 per visit |
| Best For | Maximum coverage | Budget-conscious, minimal doctor visits |
💡 How to Choose a Medigap Plan
- Plan G is the gold standard — best overall coverage at a reasonable price
- Plan N saves $30-70/month but has small copays at each visit
- All Medigap plans are standardized — Plan G from Aetna covers the SAME things as Plan G from Mutual of Omaha
- Only the PRICE differs between companies, so always compare rates
Medicare Advantage (Part C) replaces Original Medicare with a private plan (often includes drugs and dental). Medigap supplements Original Medicare by covering the gaps (deductibles, copays). You CANNOT have both simultaneously. Medigap gives you more doctor choice. Advantage has lower premiums but more restrictions.