Medicare Ratings Guide

Category: Uncategorized

  • Medigap Plans in New Hampshire 2026: Best Medicare Supplement Plans & Costs

    Medigap in New Hampshire: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $162/month Covered 100% covered
    Plan N $133/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $186/month Covered 100% covered
    Plan K $73/month 50% covered 50% covered
    Plan L $97/month 75% covered 75% covered

    Medicare Supplement Insurance in New Hampshire

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in New Hampshire. The most popular plan — Plan G — has an average monthly premium of $162 in New Hampshire, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in New Hampshire

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in New Hampshire $162 $133 $186* $73 $97

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in New Hampshire

    The best time to buy Medigap in New Hampshire is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in New Hampshire cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in New Hampshire

    Choosing between Medigap and Medicare Advantage in New Hampshire depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $15.8/month in New Hampshire) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in New Hampshire is rated 4.0 stars by CMS.

  • Medigap Plans in Nevada 2026: Best Medicare Supplement Plans & Costs

    Medigap in Nevada: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $128/month Covered 100% covered
    Plan N $105/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $147/month Covered 100% covered
    Plan K $58/month 50% covered 50% covered
    Plan L $77/month 75% covered 75% covered

    Medicare Supplement Insurance in Nevada

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Nevada. The most popular plan — Plan G — has an average monthly premium of $128 in Nevada, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Nevada

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Nevada $128 $105 $147* $58 $77

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Nevada

    The best time to buy Medigap in Nevada is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Nevada cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Nevada

    Choosing between Medigap and Medicare Advantage in Nevada depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $7.6/month in Nevada) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Nevada is rated 3.8 stars by CMS.

  • Medigap Plans in Nebraska 2026: Best Medicare Supplement Plans & Costs

    Medigap in Nebraska: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $112/month Covered 100% covered
    Plan N $92/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $129/month Covered 100% covered
    Plan K $50/month 50% covered 50% covered
    Plan L $67/month 75% covered 75% covered

    Medicare Supplement Insurance in Nebraska

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Nebraska. The most popular plan — Plan G — has an average monthly premium of $112 in Nebraska, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Nebraska

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Nebraska $112 $92 $129* $50 $67

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Nebraska

    The best time to buy Medigap in Nebraska is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Nebraska cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Nebraska

    Choosing between Medigap and Medicare Advantage in Nebraska depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $6.4/month in Nebraska) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Nebraska is rated 3.8 stars by CMS.

  • Medigap Plans in Montana 2026: Best Medicare Supplement Plans & Costs

    Medigap in Montana: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $118/month Covered 100% covered
    Plan N $97/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $136/month Covered 100% covered
    Plan K $53/month 50% covered 50% covered
    Plan L $71/month 75% covered 75% covered

    Medicare Supplement Insurance in Montana

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Montana. The most popular plan — Plan G — has an average monthly premium of $118 in Montana, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Montana

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Montana $118 $97 $136* $53 $71

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Montana

    The best time to buy Medigap in Montana is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Montana cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Montana

    Choosing between Medigap and Medicare Advantage in Montana depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $4.8/month in Montana) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Montana is rated 3.6 stars by CMS.

  • Medigap Plans in Missouri 2026: Best Medicare Supplement Plans & Costs

    Medigap in Missouri: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $122/month Covered 100% covered
    Plan N $100/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $140/month Covered 100% covered
    Plan K $55/month 50% covered 50% covered
    Plan L $73/month 75% covered 75% covered

    Medicare Supplement Insurance in Missouri

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Missouri. The most popular plan — Plan G — has an average monthly premium of $122 in Missouri, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Missouri

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Missouri $122 $100 $140* $55 $73

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Missouri

    The best time to buy Medigap in Missouri is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Missouri cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Missouri

    Choosing between Medigap and Medicare Advantage in Missouri depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $8.2/month in Missouri) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Missouri is rated 3.9 stars by CMS.

  • Medigap Plans in Mississippi 2026: Best Medicare Supplement Plans & Costs

    Medigap in Mississippi: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $108/month Covered 100% covered
    Plan N $89/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $124/month Covered 100% covered
    Plan K $49/month 50% covered 50% covered
    Plan L $65/month 75% covered 75% covered

    Medicare Supplement Insurance in Mississippi

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Mississippi. The most popular plan — Plan G — has an average monthly premium of $108 in Mississippi, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Mississippi

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Mississippi $108 $89 $124* $49 $65

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Mississippi

    The best time to buy Medigap in Mississippi is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Mississippi cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Mississippi

    Choosing between Medigap and Medicare Advantage in Mississippi depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $5.6/month in Mississippi) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Mississippi is rated 3.6 stars by CMS.

  • Medigap Plans in Minnesota 2026: Best Medicare Supplement Plans & Costs

    Medigap in Minnesota: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $148/month Covered 100% covered
    Plan N $121/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $170/month Covered 100% covered
    Plan K $67/month 50% covered 50% covered
    Plan L $89/month 75% covered 75% covered

    Medicare Supplement Insurance in Minnesota

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Minnesota. The most popular plan — Plan G — has an average monthly premium of $148 in Minnesota, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Minnesota

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Minnesota $148 $121 $170* $67 $89

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Minnesota

    The best time to buy Medigap in Minnesota is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Minnesota cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Minnesota

    Choosing between Medigap and Medicare Advantage in Minnesota depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $11.2/month in Minnesota) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Minnesota is rated 4.2 stars by CMS.

  • Medigap Plans in Michigan 2026: Best Medicare Supplement Plans & Costs

    Medigap in Michigan: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $132/month Covered 100% covered
    Plan N $108/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $152/month Covered 100% covered
    Plan K $59/month 50% covered 50% covered
    Plan L $79/month 75% covered 75% covered

    Medicare Supplement Insurance in Michigan

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Michigan. The most popular plan — Plan G — has an average monthly premium of $132 in Michigan, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Michigan

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Michigan $132 $108 $152* $59 $79

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Michigan

    The best time to buy Medigap in Michigan is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Michigan cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Michigan

    Choosing between Medigap and Medicare Advantage in Michigan depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $9.4/month in Michigan) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Michigan is rated 4.0 stars by CMS.

  • Medigap Plans in Massachusetts 2026: Best Medicare Supplement Plans & Costs

    Medigap in Massachusetts: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $182/month Covered 100% covered
    Plan N $149/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $209/month Covered 100% covered
    Plan K $82/month 50% covered 50% covered
    Plan L $109/month 75% covered 75% covered

    Medicare Supplement Insurance in Massachusetts

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Massachusetts. The most popular plan — Plan G — has an average monthly premium of $182 in Massachusetts, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Massachusetts

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Massachusetts $182 $149 $209* $82 $109

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Massachusetts

    The best time to buy Medigap in Massachusetts is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Massachusetts cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Massachusetts

    Choosing between Medigap and Medicare Advantage in Massachusetts depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $18.6/month in Massachusetts) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Massachusetts is rated 4.3 stars by CMS.

  • Medigap Plans in Maryland 2026: Best Medicare Supplement Plans & Costs

    Medigap in Maryland: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $156/month Covered 100% covered
    Plan N $128/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $179/month Covered 100% covered
    Plan K $70/month 50% covered 50% covered
    Plan L $94/month 75% covered 75% covered

    Medicare Supplement Insurance in Maryland

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Maryland. The most popular plan — Plan G — has an average monthly premium of $156 in Maryland, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Maryland

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Maryland $156 $128 $179* $70 $94

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Maryland

    The best time to buy Medigap in Maryland is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Maryland cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Maryland

    Choosing between Medigap and Medicare Advantage in Maryland depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $13.2/month in Maryland) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Maryland is rated 4.0 stars by CMS.