Lower Your Medicare Supplement Premium– Save Money on Medigap

A brief guide to help you minimize your Medicare Supplement premium

Prior to 2023, most Medicare Supplement Plan increases were about 3-8% each year
Since 2023, annual increases have been much higher, with some plans increasing over 40%
You can apply for a lower Medicare Supplement premium any time of year!
All Health Insurance premiums have had large increases over the last few years; this includes Group Plans, Individual Plans, and Medicare Supplement Plans
Fill this form to request a Supplement quote

Medicare Supplement Pricing

Medicare Supplement Plans are federally regulated, which means that coverage (Plan F, Plan G, Plan N…) is identical among all carriers. Doctors who participate with Medicare are required to accept payment from all Medicare Supplement carriers. We generally recommend choosing the lowest premium for the Plan (Plan F, Plan G, Plan N) of your preference, among A-rated carriers. Historical increases are not an indicator of future increases.

Why is one carrier’s Medicare Supplement premium lower or higher than another carrier? Medicare Supplement carriers are private businesses. They each have different expense and revenue streams; they have different claims costs, advertising expenses, administrative expenses, profit margins, etc. The carriers uses these factors to determine the pricing of their Medicare Supplements.

Lowering Your Medicare Supplement Premium

Medical underwriting is required when pursuing a new Medicare Supplement (the carrier that you’re submitting your application with can decline your application). You’re a good candidate to be approved for a new Medicare Supplement if you can say “no” to these underwriting questions. If you can say “no” to the underwriting questions, we can submit your application any time of year!

If you’ve had a recent Medicare Supplement increase that seems high, you’re likely right, it is high (when compared to years ago), but for now (as of 7/2026), this is the norm. If you can say no to the underwriting questions and you’d like to explore lower premiums, please provide your information in our form below, and we will reach out with a recommendation.

How We Can Help with Reducing your Medicare Supplement Premium

Our services are free (carriers pay us when we enroll clients in plans). We help people lower their Medicare Supplement premium all day every day, and it’s a simple process that we love to help with (it feels great to help people save money for identical coverage).

We are…

Licensed throughout the country
Contracted with all A-rated carriers
Aware of each carrier’s increase schedule, and when they will issue their next increase. This information can help with setting expectations about being issued a “double increase” the following year, or help by preventing a “double increase” the following year
Familiar with customer service among each carrier
Experts in navigating the application and medical underwriting process; some carriers are more lenient than others

Video Timestamps:

0:00 – 4:35 Overview
4:35 – Savings Examples

This video explains how to explore a lower premium for your Medicare Supplement, any time of year.

Zero downside to pursuing a lower premium
Need to pass underwriting
If application is declined, it doesn’t impact you in any way
Can change Plans any time of year
Doctors participate with Medicare, NOT individual carriers. This means that you can continue to see your existing doctors, regardless of what carrier your Medigap Plan is with
Coverage would remain identical, but with a lower premium

How To Lower Your Medigap Premium

Reviews From Clients That Are Saving

Beth S.

Senior Advisors helped me to register for the best Medicare coverage for 2025 for a PREMIUM COST SAVINGS I couldn’t believe! I am SAVING $190/month for my Medicare Supplement and SAVING $35/per month for Medicare Part D. This is quality coverage! That’s a TOTAL SAVINGS of $225/month on insurance premiums!! Having that much more to spend on other necessities while on a fixed income makes a huge difference!! I will gladly use Senior Advisors again. I highly recommend them with no hesitations. Thanks sooo much!!!

Frances K.

I received professional, timely, and money-saving help when considering replacements for my supplemental insurance and drug plans. I highly recommend Senior Advisors for your Medicare needs.

Pat L.

Adam and Allison Lubenow are the nicest, sweetest, patient, kind and professional people I’ve ever had the pleasure to talk to.

They were easy to talk to, they were very genuine in their concern to help me get what I needed for coverage that was within my means and would cause me less anxiety.

They were very good listeners; they took whatever time that was necessary to answer questions that i may had. I love the fact they were willing to have me to call them, at any time, if I need more information or didn’t understand something.

They were an answer to my prayers, because i didn’t want to give up my “F” supplement plan and they were able get me coverage that would continue to keep me in the plan that i love.

The industry will be better if they had people like Adam and Allison.

Thanks Adam and Allison!!

Dave F.

Adam and Allison were able to work with us to get excellent health insurance at a considerable savings while keeping our coverages the same. Nice job!

Frank B.

Unsolicited, the staff reached out to me to let me know of an equivalent medical insurance plan that would save our family over $1100 per year! What diligence!

Martha R.

Thank you for your help in finding less expensive supplemental insurance. It was a pleasure to work with you!

Submit form for Free Medicare Supplement Quotes

Common Questions about Changing Medicare Supplement Carriers

I don't want to risk my doctors not taking this coverage

Your current coverage is with Medicare, and your doctors are participating with Medicare, not a private carrier (Aetna, United Healthcare, Cigna…). Supplement coverage among all carriers is identical, and your doctor will continue to see you because you have Medicare, not private insurance. If approved, your coverage would be identical to what you have today.

What happens if my application is declined?

Nothing happens if your application is declined; your current coverage is not impacted in any way, and your current carrier is not informed that you’ve submitted for a lower premium.

If coverage is identical among all carriers, why/how can the pricing be different?

Carriers come to market with lower premiums for qualified individuals. Each carrier manages their business individually, and determines their own pricing.

Same exact coverage for my Medicare Supplement, at a lower price, what's the catch?

There is no catch, and there is no downside to pursuing this. The reason that you may be eligible for a lower premium is because the new carrier can chose whether or not to accept your application and issue you a policy. When we submit your application they will evaluate your medical history prior to approval. This is one of the reasons that the carrier can offer a lower premium (they are minimizing their risk).

Medical Underwriting? I don't recall this being required when I enrolled in my initial plan.

When enrolling in a Medicare Supplement Plan within 6 months of your Part B effective date, Medical Underwriting is not required.

My current carrier has been great with my claims, I've never had an issue.

Our clients have had these same results with all of the A-rated carriers that we’ve recommended and enrolled them with. If you receive a Medicare approved service, the carrier is federally required to pay their portion.

I've already paid my Part B deductible, will I need to pay this again if I get a new Medicare Supplement?

Changing Medicare Supplement Plans will not reset your Part B deductible, whether you have paid your Part B deductible, or your previous Plan F Medicare Supplement has paid your deductible. If your Part B deductible has already been paid for the current year, you will not be responsible for your Part B deductible until the following year.