4 steps to buy a Medigap policy

Step 1 – Decide which benefits you want, then decide which of the Medigap plans A–N meet your needs. 

  • Decide which benefits [glossary] you need and want while considering your current and future health care needs. You might not be able to switch policies later.
  • Select which type of Medigap plan (A-N) will meet your needs.

Step 2 – Find out which insurance companies sell Medigap policies in your state.

Do any of the following:

  • Use our site to find a Medigap policy.
  • Call your State Health Insurance Assistance Program (SHIP). Ask if they have a "Medigap rate comparison shopping guide" for your state. SHIPs can give you free help choosing a policy.
  • Call your State Insurance Department. Ask if they keep a record of complaints against insurance companies that can be shared with you. Consider any complaints against the insurance company when deciding which Medigap policy is right for you.
  • Look online for information about the insurance companies.
  • Talk to someone you trust, like:
    • A family member
    • Your insurance agent
    • A friend who has a Medigap policy from the same Medigap insurance company
  • Call the insurance companies.

Step 3 – Learn about the insurance companies that sell the Medigap policies you’re interested in and compare costs.

Since costs vary between companies, contact more than one insurance company that sells Medigap policies in your state.

Before you contact any insurance companies, figure out if one of these applies:

  • You're in your Medigap open enrollment period.
  • You have a guaranteed issue right.

Step 4 – Buy the Medigap policy.

Once you decide on the insurance company and the Medigap policy you want, you should apply. The insurance company must give you a clearly worded summary of your Medigap policy. Make sure you read it carefully. If you don't understand it, ask questions.