Medicare Supplement plans look identical on paper. The carrier you choose is what matters.
Medicare Supplement (Medigap) plans are standardized by federal law — a Plan G from one carrier provides exactly the same benefits as a Plan G from any other carrier. What’s not standardized is the premium, the rate stability over time, the customer service, and the carrier’s track record on rate increases. Choosing the right carrier matters more than choosing the right plan letter.
Most Supplement programs aren’t underbought. They’re under-shopped. Beneficiaries enroll with the first carrier they hear from, never compare premiums across carriers, and don’t revisit the decision when their carrier raises rates faster than the competition.
At Avanti Group, we run a Residential Risk Audit™ before we recommend any Medicare Supplement plan. We compare plan letters, carriers, premium history, and your specific situation — and place you with a carrier whose rates and service hold up over time.
What We Help You Compare
A complete Medicare Supplement evaluation considers:
- Plan G — the most comprehensive plan available to those new to Medicare
- Plan N — lower premium with copays for office visits and ER
- High-Deductible Plan G — significantly lower premium with higher annual deductible
- Plan F — for beneficiaries Medicare-eligible before 1/1/2020
- Carrier comparison across all available companies in your area
- Rate history and trend analysis on each carrier
- Underwriting questions for those past initial enrollment
What Most Supplement Programs Get Wrong
Carriers aren’t shopped at enrollment. Premiums for the same Plan G can vary by hundreds of dollars per year between carriers in the same market.
Rate increases aren’t tracked. Some carriers consistently raise rates faster than others. We track those trends and recommend carriers with stable history.
Plan G isn’t always the right answer. For some beneficiaries, Plan N or High-Deductible Plan G provides better value depending on usage patterns and risk tolerance.
How to Get Started
Medicare Supplement isn’t a commodity product. Call our office or use the button below to start a conversation. We’ll compare carriers and let you know exactly where you stand before you ever enroll.