How To Select The Best Medigap Policy? 
The `` best '' Medigap policy is plan F because it covers all benefits at 100 % from day 1 . Plan G is competitive with plan F because it covers everything just like plan F except for the Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- . The predictability in healthcare expenses these 2 plans have created for people have made these the 2 most desireable plans to have . In general , you would start by looking at the benefits you want to have covered . If you want to just write a check for a premium and not have to worry about big hospitals when you need procedures and surgeries done , you should consider plan F or plan G . If you 're willing to share more of the risk of expenses to lower your premium , you may want to consider a plan N or plan Hi-F . Refer to the Medigap guidebook -LRB- available on the Medicare.gov website - you can also email me for a copy and I 'll forward it to you -RRB- . Once you 've determined which of the 11 available Medigap plans you want to purchase , the next factor to look at is price . Every Medigap plan gets paid in the exact same way , regardless of the insurance company you have the insurance through . For example , if company A is charging $ 125 per month for a plan F and company B is charging $ 150 per month for a plan F , you would want to buy the plan F from company A because they 're saving you $ 25 per month and the benefits are the exact same either way . Please remember , if you 're applying outside of your initial open enrollment period when you 're new to Medicare , you may be subject to medical underwriting and have to answer the health questions . This is where an independent Medigap insurance broker really comes in handy as they can shop the case for you among many companies instead of just 1 or 2 to make sure you get the desired Medigap plan at the lowest possible cost . I hope the information is helpful - please feel free to contact me for assistance with your Medigap plan -LRB- I 'm an independent Medigap broker -RRB- and if you have any other questions . Thanks very much . 