Humana Medigap plan G
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Mutual of Omaha
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Medicare Supplement
Medicare Supplement (Medigap) Plans: Compare Coverage & Rates
Original Medicare covers a lot — but it doesn't cover everything. Deductibles, coinsurance, and the absence of an out-of-pocket maximum can leave you exposed to significant costs. A Medicare Supplement plan (also called Medigap) fills those gaps so you're protected.
We're independent Medicare brokers who compare plans from 30+ top-rated national carriers. Our service is 100% free — we're paid by the carriers, never by you.
What Is a Medicare Supplement (Medigap) Plan?
Medicare Supplement insurance — commonly called Medigap — is private health insurance designed to work alongside Original Medicare (Parts A and B). When Medicare pays its approved share of a covered medical expense, your Medigap plan picks up some or all of the remaining balance.
Key things to understand before you shop:
Medigap plans are federally standardized. A Plan G from Humana provides identical core benefits to a Plan G from Mutual of Omaha or Blue Cross. The only difference is price — which is why comparing carriers matters.
See any doctor, any hospital, anywhere in the U.S. — as long as they accept Medicare. No networks, no referrals required.
Medigap does NOT include prescription drug coverage. You'll need a standalone Medicare Part D prescription plan.
Plans are identified by letter: A, B, C, D, F, G, K, L, M, and N. For most new Medicare enrollees, Plan G and Plan N are the most competitive options.
Medigap is different from Medicare Advantage (Part C). Advantage plans replace Original Medicare. Medigap supplements it. You cannot have both at the same time.
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Good to know: If you became eligible for Medicare after January 1, 2020, Plan F is no longer available to you. Plan G is now the most comprehensive option for new enrollees — the only difference is you pay the annual Part B deductible ($283 in 2026) yourself. |
Medicare Supplement Plan Comparison Chart (2026)
All standardized Medigap plans offer the same core structure — but coverage varies by plan letter. Use this chart to understand what each plan covers:
|
Benefit |
Plan A |
Plan B |
Plan G ★ |
Plan N |
Plan K |
Plan L |
|
Part A coinsurance & hospital costs (up to 365 days) |
100% |
100% |
100% |
100% |
50% |
75% |
|
Part B coinsurance or copayment |
100% |
100% |
100% |
100% * |
50% |
75% |
|
Blood (first 3 pints) |
100% |
100% |
100% |
100% |
50% |
75% |
|
Part A hospice care coinsurance |
100% |
100% |
100% |
100% |
50% |
75% |
|
Skilled nursing facility coinsurance |
No |
No |
100% |
100% |
50% |
75% |
|
Part A deductible ($1,676 in 2026) |
No |
100% |
100% |
100% |
50% |
75% |
|
Part B deductible ($283 in 2026) |
No |
No |
No |
No |
No |
No |
|
Part B excess charges |
No |
No |
100% |
No |
No |
No |
|
Foreign travel emergency (up to plan limits) |
No |
No |
80% |
80% |
No |
No |
★ Plan G is the most comprehensive plan available to new Medicare enrollees as of 2020.
* Plan N covers 100% of Part B coinsurance except for copays of up to $20 for most office visits and up to $50 for emergency room visits (if not admitted).
Plan G vs. Plan N: Which Is Right for You?
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Plan G — Maximum Coverage Best for people who: See specialists or have chronic conditions Want zero surprise bills Prefer one simple monthly premium Travel internationally or across state lines You pay: Part B deductible ($283/yr) + monthly premium. That's it. |
Plan N — Lower Premium Option Best for people who: Are healthy and rarely need medical care Want to reduce monthly out-of-pocket costs Are comfortable with small copays per visit Providers in your area do not charge Part B excess fees You pay: Part B deductible + up to $20/office visit + up to $50/ER visit (if not admitted). |
Not sure which fits your situation? We'll walk through your typical healthcare usage and show you real rate comparisons from multiple carriers — at no cost to you.
When to Enroll: Don't Miss Your Best Window
The ideal time to buy a Medigap plan 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 window:
- Insurers cannot deny you coverage based on pre-existing conditions
- They cannot charge you higher premiums based on your health history
- You have guaranteed access to any Medigap plan sold in your state
After this window closes, insurers in most states can apply medical underwriting — meaning they can charge more, add waiting periods, or deny coverage based on your health. A few states (CT, MA, NY) offer year-round guaranteed issue rights, but most do not.
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Already past your open enrollment window? You may still qualify depending on your health history and state rules. Special Enrollment Periods (SEPs) also exist for certain life events — like losing employer coverage or moving out of a plan's service area. Call us at 800-577-2075 and we'll review your eligibility. |
How Medigap Premiums Are Priced — and Why It Matters
Insurance companies use one of three methods to set premiums. The pricing method affects not just what you pay today, but what you'll pay in 10 years:
Community-Rated
Everyone in your area pays the same premium regardless of age. Premiums may rise with inflation but not simply because you're getting older. Often the best long-term value for older enrollees.
Issue-Age Rated
Your premium is locked in based on your age when you first enroll. The younger you are when you buy, the lower your permanent base rate. Premiums can still increase but not due to aging.
Attained-Age Rated
Premium is tied to your current age and automatically increases each year as you get older. Usually the lowest starting premium but the most expensive option long-term. The most common pricing model — so it pays to understand what you're buying.
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Our advice: We'll show you not just today's rate but a 10-year cost projection for each carrier's pricing model — so you can make the choice that saves money over time, not just in year one. |
Frequently Asked Questions About Medicare Supplement Plans
Can I use my Medigap plan anywhere in the country?
Yes. As long as your doctor or hospital accepts Original Medicare, your Medigap plan works — regardless of what state you're in. There are no networks or geographic restrictions. This is a major advantage for retirees who travel, split time between states, or have family in different parts of the country.
Does a Medigap plan include prescription drug coverage?
No. Medigap plans do not include drug coverage. You'll need to enroll in a separate Medicare Part D prescription drug plan. We can help you find the right Part D plan at the same time you select your Medigap plan.
Can I switch Medigap plans after I'm enrolled?
Yes, but outside of your initial Open Enrollment Period, most states allow insurers to use medical underwriting. This means you may be charged more or denied coverage based on your health. A few states offer more consumer protections. Contact us to review your state's specific rules and whether switching makes sense for your situation.
How much does a Medicare Supplement Plan G cost?
Premiums vary by age, gender, tobacco use, location, and carrier. Nationally, Plan G premiums for a 65-year-old woman typically range from $90 to $200+ per month depending on the carrier and state. Because all Plan G policies offer identical coverage, price and carrier stability are the main factors — which is why comparing multiple carriers matters.
Is there a network of doctors I have to use with Medigap?
No. Unlike Medicare Advantage plans, Medigap has no provider network. Any doctor or hospital that accepts Original Medicare will accept your Medigap plan. You never need a referral and you're never restricted to a geographic area.
What is medical underwriting and will I have to go through it?
Medical underwriting is the process where an insurer reviews your health history to decide whether to cover you — and at what price. If you apply for Medigap outside of your Open Enrollment Period (or a qualifying Special Enrollment Period), you may be subject to underwriting. During your Open Enrollment Period, underwriting is prohibited — you're guaranteed coverage at standard rates.
Can I have both Medigap and Medicare Advantage?
No. Federal law prohibits selling or issuing Medigap policies to someone enrolled in Medicare Advantage. If you have Medicare Advantage and want to switch to a Medigap plan, you'll need to return to Original Medicare first. Contact us and we'll walk through the timing and steps involved.
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