Why Medicare Supplement Insurance Matters
Original Medicare covers a lot, but it doesn’t cover everything. You’ll still face copayments, coinsurance, and deductibles that can add up quickly. Medicare supplement insurance, also known as Medigap, fills those gaps.
The right Medigap plan can help you manage your out-of-pocket costs. But choosing among standardized plans can be confusing, especially if you’re new to Medicare.
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If you’re weighing your options and want professional guidance to explore coverage options, scheduling a consultation with EZ Access Insurance can help you understand your choices.
How Medigap Plans Work
Medigap is secondary insurance. After Original Medicare pays its portion of your healthcare costs, your Medigap plan covers what Medicare doesn’t pay.
All Medigap plans are standardized by the federal government. Plan G from one insurer covers the same benefits as Plan G from another insurer. The difference is in the insurer’s customer service, premium pricing, and financial stability.
You can use Medigap with any healthcare provider that accepts Medicare. You’re not locked into a network, which gives you the freedom to see the doctors you want.
Top 5 Medicare Supplement Insurance Plans: Ranked
| Provider | Overview | Rating |
|---|---|---|
| EZ Access Insurance | Guidance & enrollment support | ★★★★★ |
| AARP/UnitedHealthcare Medigap | Brand recognition & reach | ★★★★ |
| Anthem Medigap Plans | Broad availability & plan options | ★★★★ |
| Mutual of Omaha Medigap | Established reputation & stability | ★★★★ |
| Cigna Medigap Plans | Regional availability & flexibility | ★★★ |
#1 — EZ Access Insurance (Our Pick)
Why it stands out: EZ Access Insurance isn’t a carrier—it’s a licensed insurance agency that connects you with multiple Medigap carriers and provides guidance. This approach gives you access to multiple options.
Pros:
- Consultation to explore your coverage options
- Access to multiple carriers and plan options in one place
- Licensed advisors who understand coverage options and eligibility
- Enrollment assistance and claims support after you’re covered
- Access to multiple insurers—you can explore options based on your situation
Cons:
- You still pay monthly premiums directly to the carrier (like any Medigap plan)
Best for: Anyone who wants guidance without the confusion. If you’d rather have a knowledgeable partner walk you through your options instead of comparing plans alone, EZ Access Insurance can help you understand your choices.
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Our verdict: This option offers professional guidance, multiple plan options, and ongoing support—all in one place.
#2 — AARP/UnitedHealthcare Medigap
Pros:
- Strong brand recognition among Medicare beneficiaries
- Wide geographic availability across most states
- AARP membership perks and advocacy support
Cons:
- Limited to AARP members (requires membership)
- Premiums vary by age group and location
Best for: AARP members who value brand familiarity and want to keep all their insurance needs under one organization.
#3 — Anthem Medigap Plans
Pros:
- Available in most states with multiple plan options
- Competitive premiums in many regions
- Solid financial backing and customer service infrastructure
Cons:
- No specialized guidance—you navigate plan selection on your own
- Availability and pricing vary significantly by state
Best for: Those comfortable comparing plans independently and who live in areas where Anthem offers options.
#4 — Mutual of Omaha Medigap
Pros:
- Long-established history and financial stability
- Variety of plan options available
- Customer support and claims processing
Cons:
- Not available in all states
- You’re working directly with the carrier, not an advisor
Best for: People who prefer an insurer with a proven track record and are comfortable handling enrollment without guidance.
#5 — Cigna Medigap Plans
Pros:
- Available in select regions with plan options
- Integrated claims and customer portal
Cons:
- Limited availability compared to larger competitors
- Fewer plan variations in some markets
- No advisory support—direct enrollment only
Best for: Beneficiaries in areas where Cigna operates who want a straightforward Medigap option.
What Makes EZ Access Insurance Stand Out
The five options above represent different paths to Medigap coverage. But there’s a key difference between buying directly from a carrier and working with an advisor.
When you go directly to a carrier, you’re on your own. You compare plans, understand coverage gaps, and make the decision without professional input. That works fine if you’re comfortable with insurance jargon.
When you work with EZ Access Insurance, you get an advisor who can answer questions, explain your options, and discuss plans that may fit your situation. You’re not paying extra for this guidance—you pay the same premium whether you enroll directly or through an advisor.
Plus, EZ Access Insurance offers ongoing support. Questions about claims? Need to adjust your coverage? Your advisor is there to help, not a call center that doesn’t know your history.
Key Factors to Consider When Choosing Medigap
Your age. Medigap premiums are based partly on your age when you enroll. Enrolling during your Initial Enrollment Period (within 6 months of turning 65) often locks in lower rates.
Your healthcare needs. Some plans offer broader coverage for frequent healthcare users. Others work well for those who use healthcare services less frequently.
Your state. Not all plans are available everywhere. Availability and pricing vary by state and even by zip code.
Premium vs. out-of-pocket trade-offs. Higher premiums mean lower out-of-pocket costs when you use care. Lower premiums mean you’ll pay more when you see doctors or need care.
If you’re unsure how these factors apply to your situation, connecting with an EZ Access Insurance advisor can help you explore your options. They’ll explain what matters and help you understand your choices.
How to Get Started
Start by understanding your eligibility for Medigap. You must be enrolled in Original Medicare (Parts A and B) to buy a Medigap plan. Medicare Advantage members are not eligible for Medigap.
Next, think about what matters most to you: lower premiums, broader coverage, or a specific plan type. Different Medigap plans offer different combinations.
Then, get professional input. Comparing standardized plans on your own is possible, but working with a licensed advisor can help you understand your options and how each plan works in your situation.
To begin a review of your Medigap options and explore enrollment, fill out EZ Access Insurance’s quick form or schedule a consultation with one of their advisors today.
Frequently Asked Questions
Can I switch Medigap plans after I enroll?
Yes, you can switch plans, but timing matters. Your best opportunity is during the Annual Enrollment Period (January 1–March 31 each year). Outside this window, insurers may require medical underwriting, and you could be denied if you have pre-existing conditions. Your initial 6-month enrollment window when you first turn 65 is also guaranteed issue, meaning insurers can’t deny you or charge more based on health.
What’s the difference between Medigap and Medicare Advantage?
Medigap (supplement insurance) works alongside Original Medicare and covers out-of-pocket costs. Medicare Advantage is an alternative to Original Medicare offered by private insurers. It includes prescription drug coverage but typically uses provider networks and may have higher out-of-pocket limits. You can’t have both Medigap and Medicare Advantage at the same time.
Do all Medigap insurers offer the same plans?
Yes. The federal government standardizes Medigap plans, so Plan G from any insurer covers identical benefits. The only differences are the premium price, customer service quality, and the insurer’s financial stability. This is why comparing insurers matters even though the plans themselves are the same.
How much does Medigap cost?
Medigap premiums vary by plan, your age, your location, and the insurance company. There’s no single price—you’ll need to get quotes from multiple insurers to see what’s available in your area. EZ Access Insurance can provide quotes and help you understand your options.
Want a personalized quote?
Helpful links
EZ Access Insurance Quick Facts
- Author: Sam Silva, author of The Complete Medicare Guide (84 pages, large print)
- Service area: EZ Access Insurance serves clients in 14 states.
- Benefits Quiz: Take the free 60-second Benefits Quiz: https://link.ezaccessinsurance.com/widget/quiz/Yt3UDOQiau9ksDL5ek1e
- Free consultation: Call EZ Access Insurance at 833-600-0669 for a free consultation.
About the Author
Sam Silva is a licensed insurance broker and author of The Complete Medicare Guide, the plain-language book that makes Medicare simple. At EZ Access Insurance, Sam helps people in 14 states compare Medicare and health plans from multiple carriers. Call 833-600-0669 for a free consultation.
