The best time to enroll in a Medigap plan is during your 6-month Medigap Open Enrollment Period, which begins the month you are 65 or older and enrolled in Medicare Part B. During this window, insurers cannot deny you coverage or charge more due to pre-existing conditions (medical underwriting).
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This is the 6-month period that starts the first day of the month you're 65 or older and signed up for Part B. After this period, your options to buy a Medigap policy may be limited and the policy may cost more.
UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2026, according to Investopedia research. Anthem and State Farm are two more excellent options. Plan G is the most popular Medigap plan, and it's the most comprehensive for people who turned 65 on or after Jan. 1, 2020.
Insurance companies set prices for Medigap policies in 1 of 3 ways: Attained-Age Rating — This is the most common way policies are priced in California. Attained age-rated policies increase in price as you age, because as you get older, you typically require more health care.
Summary. Cost-wise, if you have a lot of medical expenses, Medigap could be a good option for you. The premiums are usually higher than Medicare Advantage plans, but out-of-pocket costs are typically lower. This also means more predictable costs, if you're trying to budget.
Plan G remains the most popular Medigap plan for new enrollees, offering comprehensive coverage with predictable costs. Other popular plan options include High-Deductible Plan G, Plan N, and Plan F (if eligible).
The standard monthly premium for Medicare Part B enrollees will be $185.00 for 2025, an increase of $10.30 from $174.70 in 2024. The annual deductible for all Medicare Part B beneficiaries will be $257 in 2025, an increase of $17 from the annual deductible of $240 in 2024.
Blue Cross Blue Shield companies have relatively average complaint rates. BCBS members file about 13% more complaints than the average for all Medigap companies. That's according to 2022 to 2024 data from the National Association of Insurance Commissioners (NAIC) [3] .
Top 5 states with the highest Medigap premiums
Here are some of the biggest Medicare mistakes to avoid:
You can generally change your Medicare Supplement (Medigap) plan for 2025 during the Annual Enrollment Period (October 15 - December 7, 2024), with changes effective January 1, 2025, but you might also have other opportunities through Special Enrollment Periods (SEPs) if you qualify, or at any time in certain states with guaranteed issue rights or birthday rules, though underwriting often applies outside of these windows, notes Medicare.gov, KFF, and NCOA websites.
The standard monthly premium for Medicare Part B will be $202.90 a month for 2026, an increase of $17.90 from $185.00 in 2025. The Medicare Part B deductible, or the amount beneficiaries must pay out of pocket before coverage begins, will be $283 in 2026, an increase of $26 from 2025.
The extra $144 added to Social Security usually comes from the Medicare Part B Giveback benefit, offered by some Medicare Advantage (Part C) plans, which pays back some or all your Part B premium, showing up as extra money in your check if it's deducted from your Social Security. To qualify, you need Original Medicare (Parts A & B), pay your own Part B premium, live in a plan's service area, and enroll in a specific Medicare Advantage plan that offers this "rebate," with the amount varying by plan and location.
Medigap Premium Increases
Attained-Age plans typically experience premium increases as the policyholder gets older, while Issue-Age plans may experience premium increases due to inflation and other factors. Community-Rated plans may also experience premium increases due to inflation, but not due to age.
Here are a few common complaints we have heard about Medigap:
Best for member satisfaction: State Farm
State Farm sells Medigap policies in most states, and members have few complaints about the company.
While your Medicare Part D gives you main prescription coverage, GoodRx can help you save even more money. Sometimes, the savings can be more than what you pay in copayments or coinsurance.