Medicare Supplement Planning Toolkit

Estimate your Medigap costs and penalties before enrollment.

Model supplement premiums, Part B late penalties, and guaranteed-issue windows in under 2 minutes — then approach enrollment with confidence.

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20+In-Depth Guides
50States Covered
2 minTo first estimate

Why use this before calling insurers

  • See premium ranges across all 10 standardized Medigap plans (A-N).
  • Understand your Part B late penalty before it becomes permanent.
  • Know your guaranteed-issue window by state and situation.

Enrollment value checklist

  • Your 6-month Medigap Open Enrollment start date
  • State-specific guaranteed issue rights (CT, ME, MA, NY, VT)
  • Tobacco surcharge impact and household discounts

Start with these high-impact guides

Plan cost estimation explained Part B late penalty deep dive Plan G vs Plan N comparison State-by-state guaranteed issue