Even with the standardization of Medicare Supplement Insurance (Medigap) Plan coverage, the quotes you receive can vary significantly.  To put it simply, you can get the exact same Medigap Insurance Plan that your friend has, but you could end up with different premiums.  That is why you should always shop around to see if you are paying too much for the coverage you are receiving.
Insurance companies can set their own rates based on your age, where you live, gender and the Medigap Plan type you select. If you live in California, you will get a different rate than residents in Florida. If you go with Medigap Plan F that offers the most comprehensive coverage, expect to pay more. However, if you just need a simpler form of coverage such as Medigap Plan A, you’ll see lower premiums.
Another factor that insurers consider is your health.  However, you can avoid this completely.  If you don’t want to get charged higher premiums due to your health condition, apply during your open enrollment period.  That is the first six months after you turn 65 and have Medicare Part B. During this period, there is no need to answer any questions pertaining to your health.
Medigap Insurance quotes are easy to obtain and can help tremendously in keeping you from paying too much. Just run our Medigap Insurance quotes here on our site to make a quick comparison of rates and coverage in your area. If you’d like a second opinion on your options, we offer free, private consultations.

Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage.