To buy Medicare Supplement Insurance (Medigap), you must purchase a policy directly from a private insurance company licensed in your state. Because these plans are standardized by the federal government, the benefits for a specific "lettered" plan (like Plan G) are identical across all providers—the main difference is the price. Where to Shop

Use the official Medigap Policy Search Tool to see which companies offer specific plans in your ZIP code and get estimated monthly costs.

For free, unbiased local counseling and help comparing rate guides, contact your local SHIP office .

Licensed brokers can provide quotes from multiple companies and help you navigate the application process. Recommended Post: "Medigap Shopping 101"