Why Use SmarterSenior for Medicare Supplement?
Plan Comparison Made Easy
Medigap plans are standardized by the government. We help you compare prices for the same benefits across multiple insurers.
Protect Yourself from Large Bills
Original Medicare leaves significant gaps. Medigap covers hospital costs, coinsurance, and deductibles that could add up fast.
Local Licensed Agents
We match you with agents licensed in your state who understand your local market and available plan options.
How It Works
Tell us your situation
Share your Medicare enrollment status and what coverage you are looking for.
Get matched with agents
Licensed Medicare agents in your state review your needs and contact you within 48 hours.
Choose the right plan
Compare options at your own pace. Your agent answers every question. No pressure.
Understanding Medigap Plans
Did you know?
Original Medicare pays about 80% of approved costs. Without a supplement plan, you are responsible for the remaining 20% with no annual cap, which can mean tens of thousands of dollars in unexpected bills.
The Most Popular Plans Explained
Plan G (Most Popular for New Enrollees)
- Covers Medicare Part A and Part B coinsurance
- Covers hospital costs up to an additional 365 days after Medicare benefits end
Plan N (Lower Premium Option)
- Covers most costs with small copays for office and ER visits
- Typically 20-30% lower premiums than Plan G, good for healthy seniors
Typical Monthly Premiums by Age
Indicative rates for Plan G. Varies by state, insurer, and health status.
Frequently Asked Questions
What is a Medicare Supplement plan?
A Medicare Supplement plan (also called Medigap) is private insurance that helps cover the gaps left by Original Medicare, such as copayments, coinsurance, and deductibles. It works alongside your Medicare Part A and Part B coverage.
What is the difference between Plan F, Plan G, and Plan N?
Plan F covers nearly all out-of-pocket Medicare costs but is only available to those who became eligible before January 1, 2020. Plan G covers everything Plan F does except the Part B deductible, making it the most comprehensive option for new enrollees. Plan N has lower premiums with some copays for office and emergency room visits.
When is the best time to enroll in a Medicare Supplement plan?
The best time is during your Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this 6-month window, insurers cannot deny coverage or charge more due to pre-existing conditions.
Is the matching service really free?
Yes, completely free. SmarterSenior is a matching service that connects you with licensed agents at no cost to you. The agent is compensated by the insurer if you choose a plan. You have no obligation to purchase anything.
What Our Seniors Say
“I was overwhelmed comparing plans on my own. My SmarterSenior agent explained Plan G clearly and found a great rate. I save over $80 a month compared to my old plan.”
Dorothy M.
71, Tampa FL
“The agent called me within a day, was patient, and never pressured me. I ended up choosing Plan N and I could not be happier with my decision.”
Gerald S.
69, Nashville TN
“I did not know Medigap plans were standardized by the government. Once I understood that, comparing prices was simple. My agent made it easy.”
Linda B.
67, Denver CO
SmarterSenior is a matching service, not an insurance company or provider. We do not sell, underwrite, or guarantee any insurance policy, financial product, or service. All products and services are offered by independent, licensed professionals.