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Compare Medicare Supplement Rates
Enter your ZIP code, date of birth, and gender below to see real Plan G rates from multiple top-rated carriers — right here, no new tab needed.
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Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H
Medicare client
5 ★ · 90 reviews
Want help understanding what you're seeing?
William can walk you through the results, explain rate-increase history for each carrier, and help you choose the right plan — at no cost to you.
What Is Medicare Supplement Insurance?
Fills the Gaps
Original Medicare covers about 80% of costs. A Supplement plan covers most or all of the remaining 20% — so you're not hit with surprise bills.
Predictable Costs
Pay a fixed monthly premium and know exactly what your out-of-pocket exposure will be, no matter how much care you need.
Any Doctor
Use any doctor or hospital that accepts Medicare — no networks, no referrals, no prior authorizations.
Plan G — The Most Comprehensive Coverage Available
Plan G is the most popular Medigap plan for new Medicare enrollees. It covers virtually everything Original Medicare doesn't — the only out-of-pocket cost is the annual Part B deductible ($283 in 2026).
- Covers Medicare Part A coinsurance and hospital costs
- Covers Medicare Part B coinsurance or copayment
- Covers the first 3 pints of blood
- Covers Part A hospice care coinsurance or copayment
- Covers skilled nursing facility care coinsurance
- Covers Medicare Part A deductible
- Covers Medicare Part B excess charges
- Covers foreign travel emergency (up to plan limits)
Which plans can I compare?
Most popular
Plan G
The most comprehensive plan available to new Medicare enrollees. Covers virtually all Original Medicare cost-sharing except the annual Part B deductible ($283 in 2026). The tool defaults to Plan G when you enter your information.
Lower premium option
Plan N
Covers most of the same benefits as Plan G but with a different cost-sharing structure — you may pay up to a $20 copay for some office visits and up to $50 for emergency room visits that don't result in inpatient admission. To compare Plan N rates, select Plan N in the quote tool after entering your ZIP code and date of birth.
Lowest premium option
High-Deductible Plan G (HDG)
Provides the same standardized benefits as Plan G after you meet the annual deductible ($3,050 in 2027, set annually by CMS). HDG typically carries the lowest monthly premium of the three. To compare HDG rates, select High Deductible Plan G in the quote tool.
The quote tool compares available rates from carriers represented in your area. Not all carriers appear for every ZIP code or applicant. Rate availability depends on your state, county, and the carriers the tool has data for. William represents 11 Medicare Supplement carriers — call or schedule a consultation if you want a comparison that includes carriers not shown in the tool.
Common Questions
Why Compare Rates With William Gray?
Truly Independent
William represents 11 Supplement companies — not just one. He has no incentive to steer you toward a higher-commission plan.
Nearly 30 Years of Experience
William has helped thousands of Floridians navigate Medicare since the 1990s. He reviews rate-increase history across represented carriers — not just the lowest entry price.
90 Five-Star Reviews
Clients consistently cite William's patience, honesty, and follow-through. He's available after enrollment — not just at sign-up.
No Cost to You
Independent agents are compensated by the insurance carrier. You pay the same premium whether you use an agent or apply directly — but you get expert guidance at no extra charge.
No obligation. No pressure. Just answers.
Need help choosing before you compare rates?
Use these resources to understand Medicare Supplement coverage, compare Plan G and Plan N, and learn what affects the rates you see.
Rate quotes are provided for comparison purposes only and are subject to change. Actual premiums depend on your age, gender, tobacco use, and ZIP code. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. Government or the federal Medicare program. The Gray Insurance is licensed in FL, GA, ID, IN, KS, KY, MI, MO, NC, ND, OH, PA, TX, VA, WV. FL License #W690237.
Direct Personal Service
Work Directly With William Gray on Your Medicare Supplement Quote
Nearly 30 years of Medicare experience. One independent broker. Direct access — before, during, and after enrollment.
William answers his own phone.
When you call, you reach William directly — not a call center, not a rotating representative, not a voicemail queue.
Help before you enroll.
William explains your options, compares the plans available through the carriers he represents, and helps you choose coverage that fits your doctors, prescriptions, and budget.
Help during enrollment.
William walks you through the application process and makes sure your coverage is confirmed before your effective date.
Support after enrollment.
Questions don't end when the policy starts. William remains available when your coverage circumstances change, when you have billing questions, or when you want to review your options.
No carrier bias.
As an independent broker, William represents multiple insurance companies — not just one. His goal is to find the right fit for you, not to hit a quota for a single carrier.
No cost. No obligation. No pressure.
William's assistance — before, during, and after enrollment — is provided at no direct cost to you. Carriers compensate independent brokers; you do not pay a separate fee for William's guidance. There is no obligation to enroll, and no pressure to choose any particular plan.
No call centers · No carrier bias · Licensed in 15 states
What Clients Say
"I contacted William to assist my wife and I after moving to Florida from another state. He contacted us immediately and scheduled a phone appointment for the following week. We spent about an hour getting to know each other and our needs. He recommended several companies to match our needs and our location here in FL that we would NEVER had figured out on our own. Praise the Lord for Bill and for his help!! I would recommend him to anyone and everyone!!"
Jim M.
Medicare client · Verified Google Review
"Working with William Gray on my Medicare selections was an outstanding experience. Navigating Medicare can feel overwhelming, but William made the entire process simple, clear, and stress-free. He took the time to understand my specific needs, explained every option in a way that was easy to grasp, and offered thoughtful guidance without ever making me feel rushed or pressured."
Julie K.
Medicare client · Verified Google Review
"ABSOLUTELY GOD SENT! I knew nothing about Medicare and close to panicking before speaking with William. Super professional, well informed and kind! Anyone out there approaching 65 years old needs someone like William in their corner; he walked me through each step and all the options best suited my needs!!! All at NO COST because he is paid through the insurance companies."
JKC
Medicare client · Verified Google Review
"Navigating the healthcare system is complex to say the least. This is where The Medicare Dude, William Gray, shined for us on the road to consummating an ideal configuration for our unique and collective situations. William is not just a registered healthcare broker professional, but he is also a wealth of knowledge and sage consult in our best interests. He's always available when questions arise."
TinaKelvin B.
Medicare client · Verified Google Review
"I required an insurance broker with comprehensive knowledge in the field, and William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."
Debra A.
Medicare client · Verified Google Review
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H.
Medicare client · Verified Google Review
Showing 6 of 90 verified Google reviews
Ready to Compare Your Medicare Options?
No pressure. No cost. Just honest guidance from an independent agent who works for you — not an insurance company.
Licensed in multiple states · Independent · No cost to you