Medicare Supplement (Medigap): State Guides & Carrier Reviews
By Anthony Orner, Independent Licensed Medicare Insurance Broker — appointed with multiple carriers
Medicare Supplement (Medigap) plans are federally standardized — every Plan G has identical benefits no matter which company sells it — so choosing well comes down to two things: what each carrier charges in your state, and how fast it has been raising rates. This hub collects our state pricing guides and data-driven carrier reviews, built on actual rate filings and loss ratios rather than marketing claims. As an independent brokerage appointed with multiple carriers, we compare every carrier's filed rate side by side — unbiased, and at no cost to you, because brokers are paid by the carrier you choose at the same rate regardless of company.
Medigap Pricing by State
New Jersey Medigap Guide
Plan G and Plan N pricing, carrier rankings, and NJ-specific consumer protections.
NJ Medigap Rate Index 2026
Original filed-rate dataset: lows, highs, spreads, and household discounts across every NJ carrier.
Pennsylvania Medigap Guide
What Plan G actually costs across PA and which carriers price it sustainably.
Carrier Reviews — Honest Data
Each review reports the carrier's filed rate increases, annual loss ratios, and where its Plan G actually ranks against every competitor in the state — including when the honest answer is “shop elsewhere.”
Mutual of Omaha Medigap Review
One of the largest Medigap writers in the country — rate history and state-by-state pricing reviewed.
Humana Medigap Review
Rate filings, loss ratios, and why its Plan G ranks very differently in PA, NJ, OH, and TX.
Medico Medigap Review
A smaller carrier that often prices aggressively — what the filings actually show.
Bankers Fidelity Medigap Review
Frequently among the cheapest Plan G rates, with a paper-application quirk worth knowing about.
WoodmenLife Medigap Review
A fraternal benefit society writing Medigap — how its rates and structure compare.
Compare & Switch
Compare Medigap Policies
Plan G vs. Plan N vs. High-Deductible G — how the standardized plans differ and who each fits.
Switch Medigap Carriers
Keep identical benefits and pay less — how switching works and when underwriting applies.
Medigap Enrollment Guide
Step-by-step: choosing a plan letter, picking a carrier, and applying at the right time.
New to Medigap? Start Here
What Medigap covers, how it works with Original Medicare, and how plans are standardized.
Frequently Asked Questions
Want the short answer for your ZIP code?
One call and we'll pull every carrier's filed rate for your age and county — free, no obligation.
Call for Free Advice — 855-559-1700