How Much Do Medigap Policies Cost? 
The cost of a medicare supplement plan is determined by several factors : your age , your zip code , the plan you want -LRB- e.g. plan f , plan n , etc. -RRB- , and whether you use tobacco products . Rates will vary by insurance company and not every company offers every plan . If you 're being medically underwritten , you may be assigned level 2 rates instead of the standard rate/level 1 if you have certain medical conditions . Medicare supplement plans -LRB- commonly referred to as Medigap plans -RRB- are designed to help seniors who want high quality healthcare and are on Medicare , cover the gap between what hospitals and doctors charge for their services and what Medicare will pay . Supplementing your Original Medicare coverage -LRB- Medicare Parts A & B -RRB- with a Medicare Supplement plan will help you create a very predictable expense structure for your healthcare and allow you to see any doctor you want that accepts Medicare -LRB- meaning no networks ! -RRB- . Any doctor that accepts Medicare will also accept your Medicare Supplement plan . There are 10 different Medicare supplement plans and they are all standardized , meaning a plan F from company A and a plan F from company B feature the EXACT the same benefits . The 10 different plans available are plansA , B , C , D , F , G , K , L , M , and N. Each plan offers certain benefits some more comprehensive than others . For example , Plan A offers coverage of only the basic benefits of Medicare Supplement Insurance , while Plan F is the most comprehensive . Plan F also offers a high-deductible version of the plan it is the only plan that offers this feature . Under a high-deductible plan F -LRB- also referred to as Hi-F -RRB- , the insured must pay for Medicare-covered costs up to the years deductible amount $ 2,140 in 2014 before the supplement plan pays anything . The benefit of the high-deductible plan F is that it offers the insured a much lower monthly premium . I would recommend consulting with an experienced Medicare supplement broker to determine which supplement plan is most suitable to your needs and your budget . Please feel free to contact me for help . Thanks very much . 