What Is the Best Medigap Insurance?

If you are looking for medical insurance that will cover your expenses for years to come, you will likely want to find the best Medigap insurance. What you should know is that the coverage offers a varied number of plans- each one with its own benefits.

The Best Plans

This form of medical coverage comes with plans that range from A through N, each slightly different than the last. Many of those plans are not even available for first time subscribers. So if you’re looking at this kind of insurance for the first time, you won’t be eligible for plans E, H, I and J.

Instead you should be looking at plans F, G, and N. These are the most popular plans among new subscribers, particularly because of their extensive coverage. Plan J is actually most expensive because it covers every medical expense that Medicare doesn’t account for. It’s the perfect plan for people with extensive medical problems who need constant professional care.

On the other hand, plans G and N work better for people with fewer health problems who just want to make sure they are taken care of in case of an emergency. These plans require some out-of-pocket expenses in the event of a hospital visit.

Medigap Plan F

This plan is hugely popular as it pays 100 percent of the medical costs that Part A and B Medicare doesn’t pay. There are no co-payments or deductibles on Plan F and coinsurance is paid completely. As with all the plans there is no network so you can go to any doctor in the country that accepts Medicare. There is also a foreign travel emergency benefit.

Medigap Plan G

This plan is extremely popular and more and more people are switching to it as it can save you money over Plan F. Plan G only has one out-of-pocket expense which is that you must pay the Part B deductible each year prior to Medicare paying anything. On Plan F this is paid for you (with your money that you gave them in higher premiums). You can often save quite a bit of money by paying this deductible yourself as your monthly premiums are lower with Plan G.

Enter your Zip Code above to see just how much you can save with Plan G!

The Price of Insurance

So how can you tell how much you will actually pay in premiums for each plan? You could take the time to call each insurance company you are considering and ask about their rates, or you could save yourself a lot of time and phone calls and use our free quote engine.

We compare and price every major insurance company for you, and we can tell you how much each plan will cost you with any given company. It’s simple and easy to use and very accurate.

Before you decide which insurance company to use and which plan is right for you- get the facts. Find out how much you will pay and if it is worth it for the coverage you will receive. Consider your particular circumstances and the health issues you face.

Will your potential Medigap insurance plan meet your needs now and pay for any health problems you may face in future? Use our free quote engine to find the answer and get the best Medigap insurance plan that is right for you.