Already Know You Want a Medigap Plan G? Here’s What to Do Next
If you’ve done your research and already decided that a Medicare Supplement Plan G is the right choice, you’re ahead of the game! Plan G is one of the most popular Medigap plans, offering great coverage with minimal out-of-pocket costs. But now, you might be wondering: Which insurance company should I go with? Does it even matter?
The short answer is yes, it does matter. While all Plan G policies provide the same core benefits and choice of providrs, there are key differences between carriers that can impact your experience. Here’s what you need to know before you enroll.
Comparing Plan G Carriers: What Matters Most?
1. Price
Monthly premiums vary by carrier, state, age, and discounts available (like household discounts or spousal discounts)
Some carriers have a history of lower rate increases over time, while others start with a lower price but increase more aggressively
When you have a new Part B, you are eligible for new to Medicare discounts offered by certain carriers that are applied during your first year on Medicare Part B
2. Customer Service & Claims Processing
When you have a Medicare Supplement plan, it’s not up to the insurance carrier if they will pay for a service. Instead, if Medicare pays for a service, then the carrier will. However, choosing a company with good customer service can save you frustration down the road as you may have questions about claims.
3. Extra Perks
Some carriers offer added benefits like SilverSneakers gym memberships, discounts or basic coverage for vision/dental services, or telehealth options
If these perks matter to you, it may be worth selecting a carrier that includes them
Why Working with a Local Agent Helps
Many people assume they can just sign up online or call a 1-800 number to enroll in Plan G. While that’s an option, working with a local Medicare agent can provide real advantages:
Personalized Carrier Comparisons – Instead of spending hours researching, an agent can break down your best options based on price, rate stability, and service quality. They can take into account any discounts you are eligible for, as well as if your preferred gym is in-network
Provider Network Checks – While Medigap plans allow you to see any provider that accepts Medicare, an agent can double-check whether your preferred doctors participate with a Medicare Supplement such as a ‘Plan N’
Ongoing Support – Need help with a billing issue or claim down the road? A local agent is there to assist you—something you won’t get from a big national call center
Ready to Enroll in Plan G? Let’s Compare Your Best Options
Since Plan G benefits are the same across all carriers, the goal is to find the company that offers the best price, stability, and service for your needs. If you’d like a free, no-obligation comparison of the top Plan G options in your area, my agency is here to help!
