Medicare Supplement (Medigap) Calculator

Plan G is the most comprehensive Medigap available to new enrollees in 2026. It covers all Original Medicare gaps except the $283 Part B deductible. Premium typically $100-$200/month for a 65-year-old non-smoker. After paying the $283 once a year, you have predictable costs — Plan G pays the rest.

Plan F was closed to new Medicare enrollees on January 1, 2020 (those turning 65 from 2020 forward). It's identical to Plan G except it also covered the Part B deductible. Existing Plan F enrollees keep their plan; new enrollees get Plan G or another option. Plan G is now the equivalent comprehensive plan.

$202.90/month standard premium (CMS 2026 Final Rule). Higher-income beneficiaries pay IRMAA surcharges on top — single filers above $109K MAGI or joint above $218K. Premium is automatically deducted from Social Security benefits if you're receiving them.

Yes, as a medical expense on Schedule A. But you can only deduct medical expenses over 7.5% of AGI. For most retirees with significant medical costs, Medigap + Part B + Part D + actual medical bills add up to deductible amounts. Self-employed retirees can use the self-employed health insurance deduction without the 7.5% threshold.

Medigap (Original Medicare + Supplement): nationwide doctors, no prior authorization, predictable costs, but higher premium ($200-400/mo Part B + Medigap). Medicare Advantage (Part C): often $0 premium + Part B, but network restrictions and out-of-pocket up to $8,850/year (2026). Medigap better for travelers; Advantage often better for healthy seniors who stay local.

Yes — your 6-month Medigap Open Enrollment Period (starts when you're both 65 and enrolled in Part B) is the only time insurers must sell you any plan regardless of health. Miss this window and most states let insurers reject you or charge medical underwriting premiums for pre-existing conditions.

You can return to Original Medicare during the Medicare Advantage Open Enrollment Period (Jan 1-Mar 31) or Annual Election Period (Oct 15-Dec 7). Add a Medigap policy then, but you may face medical underwriting (insurer can reject or charge more). Limited "trial right" applies if you're switching back within 12 months of first joining MA.

Mostly — federal law standardized the plan letters (A, B, C, D, F, G, K, L, M, N) so all insurers offer identical coverage for each letter. Premiums vary widely by state, age, and tobacco use. Massachusetts, Minnesota, and Wisconsin have their own Medigap structures that differ from the federal standards.