Which Medicare Supplement Plan Is Right for You?
5 quick questions for a personalized recommendation in under 2 minutes. No personal information required to see your result.
Find Your Best Medigap Plan
This short quiz looks at your budget, health usage, and coverage priorities to recommend the plan letter that fits you best.
- 5 simple multiple-choice questions
- Covers Plan G, Plan N, HD-G, Plan K, Plan D
- Explains why the plan fits your profile
How the Plan Quiz Works
The quiz scores five common Medicare Supplement decisions: how much you want to pay each month, how often you use medical care, whether you have had a recent hospital stay, your monthly budget, and how you feel about small copayments. Each answer adds points to the plans that tend to suit that preference. The plan with the most points is your recommendation, and the runner-up is shown as an alternative worth comparing.
What the Plans in the Quiz Have in Common
Every Medicare Supplement plan sold in most states is standardized by federal law, so a Plan G from one insurer covers the same benefits as a Plan G from another. The differences that matter are the ones the quiz measures: how the plan balances a higher monthly premium against lower costs when you use care.
| Plan | Premium level | What you still pay (2026) |
|---|---|---|
| Plan G | Higher | Part B deductible ($283), then nothing for Medicare-approved care |
| Plan N | Lower than G | Part B deductible, plus up to $20 per office visit and up to $50 per ER visit without admission |
| High-Deductible Plan G | Lowest of the full-coverage options | Up to $2,950 in covered costs before the plan pays |
| Plan K | Low | Shares costs with you until you reach an $8,000 yearly out-of-pocket limit |
| Plan D | Mid-range | Part B deductible and Part B excess charges |
After You Get Your Result
- Read the full guide for your recommended plan and its runner-up.
- Check estimated premiums for your state on our Medigap by state pages, or try the cost calculator.
- Get quotes from several insurers for the same plan letter and ask about their rate-increase history.
- For free, unbiased help, contact your State Health Insurance Assistance Program at shiphelp.org.
This quiz is an educational aid, not insurance advice. Availability of each plan letter varies by state, and Massachusetts, Minnesota, and Wisconsin use different plan structures.
This site provides general information about Medicare Supplement insurance and medical alert devices. It is not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any government agency. This is not medical or insurance advice. Always consult a licensed insurance professional for personalized guidance.
Medicare rules, premiums, and plan availability change annually. Always verify current information with Medicare.gov, your State Insurance Department, or a licensed insurance advisor. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.