Who Has The Best Medigap Plan? 
Medigap plans are standardized -LRB- there are 11 options total -RRB- meaning the benefits are EXACTLY the same , regardless of which carrier you purchase it through . Several of the major things to look at when shopping for a Medigap plan are the plan benefits -LRB- e.g. plan F , plan G , plan N , etc. -RRB- , the premium , and the premium rating method -LRB- community rated , attained-age rated , or issue-age rated -RRB- . If you want to have coverage that creates a predictable expense structure throughout the year , you will want to look at a plan F or a plan G . If you 're willing to take on a larger share of the risk of expenses to keep your premium down , you may want to consider a plan Hi-F , or a plan N. Most companies will use the attained-age rated -LRB- rates based on your current age -RRB- system such as Omaha , Anthem , CareFirst , Cigna , Humana , and many others . United Healthcare uses the community-rated -LRB- rates are not based on age -RRB- . There are a few carriers that will use the issue-age rated -LRB- rates based on age when plan is first purchased -RRB- as well such as Everence . 