Free Medigap tools and plain-English coverage of Medicare Supplement insurance.
MedigapExplained provides free tools for Medicare Supplement insurance: premium estimates, plan comparison, Medigap vs Medicare Advantage, and enrollment window calculators. All calculations run in your browser. Nothing you enter is stored or transmitted.
The content and tools on MedigapExplained are produced by the team at Encore Editorial, a small group of editors and healthcare writers whose work is to make complicated subjects clear and sourced.
Healthcare coverage on this site is led by writers with clinical backgrounds. Naomi Foster researches and writes the Medigap and Medicare articles on this site. Her work covers coverage rules, plan pricing, and the documents people receive after enrollment that are rarely written for the people receiving them.
Each article goes through a two-step process. A writer researches the topic using primary sources, primarily CMS publications, Medicare.gov, and state insurance department filings, then drafts the piece with citations for every factual claim. An editor checks the structure, verifies the sources, and flags anything that needs updating or clarification before the page publishes.
Pages are reviewed when CMS figures change or when Medicare rules are updated. Where a number is volatile (annual premium benchmarks, for example), the page links directly to the authoritative source so readers can confirm the current figure themselves.
This site is not connected with or endorsed by Medicare or any government agency, and is not insurance advice. Some links are affiliate links that may earn a commission at no cost to you. That does not affect what the tools calculate or what the articles say. Spot an error? Tell us and we will fix it promptly.