Medicare Supplement plans, also called Medigap, are sold by private insurers but follow standardized benefits set by federal law. A Plan G from one company covers the same things as a Plan G from another. What differs is the monthly premium, how the company raises rates over time, and customer service.
Medigap works alongside Original Medicare. Medicare pays its share first, then your supplement pays most or all of the rest. There are no networks: if a provider accepts Medicare, they accept your Medigap plan.
Timing matters. Your best chance to buy is during your six-month Medigap Open Enrollment Period, which starts the month your Part B begins. After that, most Arizona insurers can ask health questions and decline or charge more. We compare rate history across companies so you are not surprised by increases later.
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What is included
The coverage you can expect. Exact benefits depend on the plan and the insurance company you choose.
Part A coinsurance
Hospital costs plus 365 extra days after Medicare benefits are used up.
Part B coinsurance
The 20% you would otherwise owe on doctor visits, tests and outpatient care.
Part A deductible
The hospital deductible each benefit period is paid on Plans G and N.
Skilled nursing coinsurance
Daily coinsurance for days 21 to 100 in a skilled nursing facility.
Excess charges
Plan G covers charges above the Medicare-approved amount from non-participating doctors.
Foreign travel emergencies
80% of emergency care abroad after a small deductible, up to plan limits.
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How we help you choose
Choose a plan letter
We explain Plan G, Plan N and High-Deductible G in real dollars based on how you use care.
Compare companies
We price the insurers we represent and show rate increase history, not just this year's premium.
Apply and add Part D
We submit your Medigap application and pair it with the Part D plan that covers your drugs best.
Why people choose it
Predictable costs with very few bills after the Part B deductible
No networks or referrals
Coverage follows you when you travel
Guaranteed renewable as long as you pay your premium
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Costs, and what moves them
Sample figures to help you plan. Your advisor confirms the exact amounts for your age, ZIP code and plan.
Sample costs for Medicare Supplement. Illustrative only, not a quote.
Cost
Sample amount
Good to know
Plan G premium, age 65
$118 - $176 / month
Sample Tucson range, non-smoker
Plan N premium, age 65
$92 - $139 / month
Up to $20 office copays
High-Deductible G premium
$38 - $55 / month
Plan pays after a yearly deductible
Your costs on Plan G
$283 / year
The Part B deductible (2026 sample)
Factors that change your price
Your age and ZIP code when you buy
Tobacco use
Household discounts some insurers offer
Each company's history of rate increases
Figures are illustrative samples and not a quote. Medicare amounts change every January.
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Medicare Supplement questions we hear
Plan G covers everything except the Part B deductible. Plan N has a lower premium but adds copays of up to $20 for office visits and up to $50 for ER visits that do not result in admission, and it does not cover excess charges.
During your Medigap Open Enrollment Period you cannot be turned down or charged more for health reasons. Outside that window most insurers in Arizona can use medical underwriting.
No. Plans sold today do not include drug coverage, so you will want a stand-alone Part D plan to avoid a late enrollment penalty.
Benefits are identical by law, but each company sets its own price and rate history. That is why we compare several companies before you apply.
