A Medicare Supplement Plan G from one insurance company provides the same standardized basic benefits as Plan G from another company. The same rule applies to Plan N, Plan F, and the other standardized plan letters.
Checking your rate doesn't cancel or change the Medicare Supplement policy you already have.
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Standardized coverage
Same standardized benefits when switching to the same plan letter
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The insurer pays the agency, not you
The Real Difference
The coverage may be the same, but insurance companies don't have to charge the same premium. Medicare advises comparing the same plan letter across different companies, because premiums for the same coverage can vary widely.
You may be able to keep the same plan letter and lower your monthly premium simply by changing insurance companies — provided that you qualify for the new policy.
Make Sure I'm Not Paying Too Much for My Medigap Plan
Standardization
Medicare Supplement policies are standardized in most states. Policies sharing the same letter must provide the same standardized basic medical benefits, regardless of which private insurance company sells the policy.
A Plan G from Company A provides the same standardized Plan G benefits as a Plan G from Company B.
A Plan N from one company has the same standardized Plan N benefits as Plan N from another company.
For people still eligible to purchase Plan F, its standardized medical benefits don't change based on the company selling it.
The company name may change. The monthly price may change. But when you move from one carrier's Plan G to another carrier's Plan G, you're not changing to a different plan letter or giving up the standardized Plan G benefits.
The Real Variable
Private insurance companies set their own Medicare Supplement premiums. The amount charged may depend on the company's pricing method, your location, age, tobacco status, available discounts, and other rating factors — and that can create substantial price differences between two companies offering the same standardized plan letter. Medicare.gov specifically notes that Medigap premiums can vary widely, and recommends comparing Plan G with Plan G, Plan N with Plan N, and so on. A higher price doesn't add more standardized Plan G or Plan N benefits.
“Is your current company still offering a competitive price for the coverage you already have?”
How It Works
Changing carriers doesn't mean giving up the plan letter you prefer.
We review your current company, plan letter, premium, and ZIP code, then compare that rate with other companies offering the same plan letter.
When a potentially lower rate is available, we complete and submit an application to the new insurance company.
Outside your Medigap Open Enrollment Period or another protected right, the new company may require medical underwriting and may approve or decline the application.
Once approved, we confirm the new premium and effective date with you before anything changes.
When replacing Plan G with Plan G, or Plan N with Plan N, the standardized benefits stay the same. The primary changes are the insurance company and the premium.
No Risk to Your Current Coverage
Applying for a different Medicare Supplement policy doesn't automatically cancel your existing policy. If the new application isn't approved, your existing coverage remains in place as long as you haven't cancelled it and continue paying the required premium. Medigap policies issued since 1992 are generally guaranteed renewable, meaning an insurer can't cancel the policy merely because your health has changed, provided you remain enrolled and pay the premium.
Never cancel your existing Medicare Supplement policy until:
Source: Medicare.gov, Medigap Basics →
Medicare describes a 30-day free-look period when changing Medigap policies, and advises keeping the first policy until you've decided to retain the replacement.
Paying both premiums temporarily may be necessary during that period.
At a Glance
| Current policy | Potential replacement |
|---|---|
| Medicare Supplement Plan G | Medicare Supplement Plan G |
| Same standardized Plan G benefits | Same standardized Plan G benefits |
| Current insurance company | New insurance company |
| Current monthly premium | Potentially lower monthly premium |
| No application pending | Approval and underwriting may be required |
Swipe to compare.
The lowest advertised price isn't automatically available to every applicant. Your actual rate and eligibility may depend on your ZIP code, age, tobacco status, household-discount eligibility, and medical underwriting.
Tell us your current insurance company, plan letter, monthly premium, and ZIP code. We'll compare available Medicare Supplement rates and determine whether you may qualify for a lower premium — with no obligation to change policies simply because we compare the rates.
Compare My Medicare Supplement RateDo not cancel your current Medicare Supplement policy unless a replacement has been approved and its effective date has been confirmed.
Real Numbers, By State
Review real Plan G and Plan N premium changes from the applicant profiles and ZIP codes tested in our 2026 research.
Pennsylvania Medicare Supplement rate increases · Texas Medicare Supplement rate increases
Common Questions
