Wondering about the right Medigap Supplement Provider? How to choose can feel overwhelming at first—but it doesn’t have to be. In this article, we’ll walk you through the key things to consider, from pricing and reputation to customer service. Spoiler alert: price should be the most important factor when selecting Medigap!
What Is a Medigap Supplement Provider?
You might be hearing the term “Medigap supplement provider” a lot and wondering—what does it actually mean? Simply put, it’s any private insurance company that sells Medicare Supplement Insurance, also known as Medigap. These providers work alongside Original Medicare (Parts A and B) to help cover out-of-pocket costs like copays, coinsurance, and deductibles.
Companies like Aetna, Cigna, Humana, and many others are licensed to sell these plans. But here’s the reassuring part: no matter which provider you choose, the core benefits of each plan letter (like Plan G or Plan N) are standardized by the federal government. That means Medigap Plan G from one company offers the same medical coverage as Plan G from another. The differences? Usually just price.
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Medigap Supplement Provider: How To Choose the One That’s Right for You
Choosing the right Medigap supplement provider may sound complicated, but it doesn’t have to be. Since the coverage is standardized, what really matters is how much you’ll pay in monthly premiums. (Source: Medicare.gov)
So how do you know which one is best for you? Start with a free Medigap quote to compare prices from multiple top-rated companies in your area. What about customer service? Doesn’t that matter? Scroll down to read our hot take on Medigap customer service.
👉 Need realtime numbers? Try our Instant Medigap Quote Tool. All personal contact questions are optional and you’ll see pricing in less than 30 seconds!
Are All Medigap Plans the Same No Matter Who You Buy From?
Yes—this is where Medigap makes things simple. A Plan G from one provider covers exactly the same medical benefits as a Plan G from another provider. The same goes for Plan N, Plan A, and all the rest. That’s because Medigap plans are standardized by law.
The only things that change from company to company are the monthly premiums, how they handle rate increases, and their customer service. So you’re not paying more for better coverage—you’re just paying more if you don’t compare your options.
📌 Pro tip: No one can sell you the exact same Medigap plan for less than Senior65.com. So, feel free to drop a comment/question in the section below or directly call our team at 800-930-7956. We’re here to assist you in every possible way.
Which Medigap Plan has the Best Customer Service?
They pretty much all have the same customer service. Yes we said it! How easy the insurance company is to work with should not be a factor in selecting a plan. Since all Medigap plans are secondary payers to Medicare, the insurance provider will have no say in your health care decisions that take place in the United States. They are mandated to pay what Medicare tells them to pay so they cannot offer better (or worse) customer services when it comes to claims (unless you get injured while traveling abroad). Bottom line don’t pay more for Medigap because you think you will get better customer service.
But I read online that X company offers better service or everyone hates Y company
Those reviews are most likely regarding Medicare Advantage plans. Many people get confused between Medigap and Medicare Advantage. We have been doing this for over 20 years and we can say with confidence: You should not pick a Medigap plan based on customer service reviews since they are all forced to follow the exact same rules when it comes to paying claims.
If you want better customer service…you should work with Senior65.com! We are licensed agents and if you sign up for Medigap through our site, we can answer all your questions during the enrollment process. After you enroll, we still serve as your agent so we can all the insurance provider on your behalf to help you. Best of all, there is never a charge or hidden fee to work with Senior65.com. Nobody can offer the same insurance plan for less than Senior65.com! Call 800-930-7956 or enroll with Medigap online here.
Top Factors to Consider Before Picking a Medigap Insurance Company
When comparing Medigap providers, here are a few smart things to look at:
1) 🏷️ Price: This is the big one. Since coverage is the same, your main goal is to get the best price. Our quote tool can help you see current rates in your ZIP code instantly.
2) 💳 Payment Options: Some insurers offer discounts for paying annually or setting up automatic payments. A few give you a discount for paying with Credit Card
Are There Medigap Companies With Higher Rate Increases Than Others?
Yes, some companies will raise their premiums more often—or by higher percentages—than others. This is a key reason why price today doesn’t always mean affordability tomorrow.
The problem is we don’t know which insurance providers will increase rates in your area. Anyone who says they know this, is not looking at the data. We, here at Senior65.com, have kept a history of rate increase from all the insurance providers we work with and there is no clear pattern. Paying extra for a plan because you think the company won’t increase their rates as much as others, probably won’t pay off in the end.
That being said: we would recommend staying away from relatively unknown Medigap insurance providers or those who have just entered the marketplace. Those companies sometime have trouble attracting new business. If they cannot enroll a large pool of members, new companies definitely will have trouble keeping rates low in the future.
📌 Tip: Got a Medigap plan but realized it might not have been the best choice? Check out our Medigap Switching Guide. If you don’t qualify for easy switching as outline in our guide, our Instant Medigap Underwriting Checker will help you understand your chances of being accepted into a new plan using Medical underwriting. It’s free and anonymous, so you can feel confident about your next steps!
Is It Better to Buy Medigap Through an Agent or Directly From the Company?
Good news: whether you buy Medigap directly from an insurance company or through a licensed broker like Senior65.com, the price is exactly the same. That’s right—no one can sell the same plan for less, so working with an agent won’t cost you more.
But here’s the benefit of going through an independent broker: we can compare multiple providers, show you the pros and cons of each, and help you switch in the future if needed. A direct company rep can only sell you their products.
🤝 Need help comparing? Just call us at 800-930-7956 —our help is always free, and there’s zero pressure.
Can You Switch Medigap Providers Later If You’re Not Happy?
Yes, but with a catch. In most states, switching Medigap providers after your initial open enrollment means going through medical underwriting. That means answering health questions—and yes, it’s possible to be denied coverage or charged more based on your answers.
That said, there are about a dozen states such as California, Oregon, Kentucky, Missouri offer special switching rules that let you change Medigap plans each year without underwriting.
👉 If you’re thinking about switching, let us help you check your state’s rules: Medicare Insurance Switching: Ultimate Guide.
How To Choose Medigap Supplement Provider FAQs
Q: What is a Medigap supplement provider exactly?
A: It’s the private insurance company that sells you a Medigap plan. While the plans are standardized by law, pricing and customer service can vary by provider.
Q: Does it matter which company I buy Medigap from?
A: In terms of benefits—no. All Plan Gs, for example, cover the same services. But prices and future rate increases can differ, so it’s worth comparing providers.
Q: What should I look for in a Medigap provider?
A: Look for competitive pricing. Use our instant Medigap quote tool here
Q: Can I switch providers if I’m unhappy?
A: Yes, but you may have to answer health questions unless you qualify for a special rule (like the California Birthday Rule). Use our Underwriting Checker to find out.
Q: Are some providers more expensive than others for the exact same plan?
A: Definitely. That’s why we recommend shopping around—even for identical Medigap plans. Try our free quote tool to compare. A more expensive Medigap G doesn’t offer any additional benefits than the lowest priced Plan G.
Q: Will working with an agent save me money?
A: The price is the same whether you buy directly or through an agent, but a broker like Senior65.com can compare multiple companies for you and continue to support you once you are enrolled.
Still Not Sure? We’ll Help You Choose With Zero Pressure
With so many Medigap supplement providers out there, it’s easy to feel overwhelmed. But you don’t have to figure it out on your own. Whether you’re enrolling for the first time or thinking about switching providers, we’re here to guide you through the process.
Give us a call at 800-930-7956 or leave a comment below. Our licensed team will walk you through your best options based on your health, budget, and goals—no pressure and no extra cost. That’s what we do every day at Senior65.com.