What Medicare doesn't covercould cost you thousands.
Original Medicare pays 80% — you pay 20%, with no cap. A single surgery could leave you with a $25,000 bill. We help you understand your options and find the right supplemental coverage.
Free. No account needed. We don't sell insurance.
Your Medicare Supplement journey
Five steps from "I just got my Medicare card" to "I chose the right plan." Start wherever you are.
Understand the gaps
What Medicare doesn't cover — and what it could cost you
Choose your path
Medigap vs. Medicare Advantage — how to decide
Pick your plan
10 plan letters, but only 3 matter. Four questions get you there.
Match your health
Condition-specific guidance for diabetes, heart disease, and more
Compare carriers
Same plan, wildly different prices. Find the best long-term value.
Start learning
Plain-language guides written for real people, not insurance agents.
What Medicare Doesn't Cover
The 80/20 rule, no out-of-pocket cap, and what a hip replacement actually costs with just Medicare.
How to Choose a Medigap Plan
A step-by-step decision tree. Plan G vs. Plan N — four questions get you to the right answer.
Your Health, Your Plan
Diabetes, heart disease, cancer, or healthy and active — see which plan fits your situation.
How it works
Learn your options
Read our guides to understand what Medicare doesn't cover, which plan letter fits your needs, and how to evaluate carriers.
Compare carriers in your state
Take our 30-second quiz. We score every carrier on price, financial strength, and rate stability — then rank your best matches.
Independent & transparent
We don't sell insurance or take carrier commissions. We show every plan in your state and explain our scoring methodology.
Data-driven, not ad-driven
We analyze AM Best financial ratings, state rate filing history, and market presence — not just the sticker price. Rankings are never for sale.
Education first, always
Plain language, no jargon, no pressure. We believe you make better decisions when you understand your options — not when you're rushed.
Most popular Medigap plans
Over 80% of new enrollees choose Plan G or Plan N.
Plan G
Highest coverageMost popular. Covers nearly everything Medicare doesn't.
Best for: People who want predictable costs
Plan N
High coverageLower premiums with small copays at doctor visits.
Best for: Healthy people who see doctors rarely
Plan F
Complete coverageCovers 100% of gaps. Only for those eligible before 2020.
Best for: Pre-2020 enrollees wanting zero out-of-pocket
17,900+
Rate filings analyzed
92+
Carriers scored
4-factor
Scoring methodology
100%
Independent — we don't sell insurance
Ready to see your options?
Answer 4 simple questions about your state and preferences — we'll show you carriers ranked by what matters most.