It depends on your age, what state you live in, your smoking status and which Medigap Insurance Plan you have.
The average annual premium for the most popular type of Medigap insurance is around $2,000. However, these premiums can range from $500 to $10,000 for the same exact coverage. No joke! And sometimes you may find there are some very specific coverages and exclusions for Medigap policies.  The average cost of Medigap Insurance will depend on your age, what state you live in, your smoking status and which Medigap Insurance Plan you have. Medigap Plans can range between $75 per month to $500 per month depending on those factors. The average cost of Medigap Insurance will be different in different states. For example, Texas, South Carolina, North Carolina and Colorado are usually less expensive than South Florida. However, North Florida will generally be less expensive than South Florida. The cost of a Medigap plan will be determined by several factors-your age, your gender, your zip code, any tobacco usage, and if you and a spouse are applying together (some carriers offer a household discount on their rates when spouses apply for coverage at the same time). The average cost for the most popular medigap policy, called Plan F, is $1,813 a year for a 65-year-old woman, according to Weiss Ratings -- just a little less than the $2,052 your mom is paying now. Older policyholders with richer policies generally pay more.  HOW MEDIGAP POLICIES ARE PRICED. The cost of your Medigap policy (the average monthly premium in 2010 was $178) depends on a number of factors such as where you live, your gender and whether the company offers discounts.  In 47 states, Medigap insurance comes in standard benefit packages lettered A through N. Massachusetts, Minnesota and Wisconsin have their own standardized plans. The basic plan is Medigap A. It covers a year of hospital care beyond Medicare benefits, hospice costs and blood that Medicare doesn't pay for. What you pay for a Medigap policy depends on the coverage, your general health and especially where you live. You will likely pay $21 to $44 a month for the least expensive plan. 1 Premiums for Medigap plans might cost $300-$6,200 or more a year, depending on the insurance company, what's included under the plan and local rates. 2  Search the Medicare Plan Finder tool by zip code for Medigap plan availability and pricing in a specific area. 1 Although the coverage is standardized by plan category, premium costs vary widely between insurance companies and even within the same insurance company by region. 2  The cost of Medigap policies can vary widely. There can be big differences in premiums that insurance companies charge for exactly the same coverage. As you shop for a Medigap policy, be sure you are comparing the same Medigap policy (for example, compare a Plan A from one company with Plan A from another company). Each insurance company sets its own premiums. It is important to ask how an insurance company prices Medigap policies. Lillasam/iStock/Getty Images. Medigap is insurance against medical expenses that are not covered by original Medicare. What you pay for a Medigap policy depends on the coverage, your general health and especially where you live. You will likely pay $21 to $44 a month for the least expensive plan. In general, 2012 data shows that the average cost of Medical supplemental insurance for the most basic plans is somewhere in the neighborhood of $130 to $210 per month while the most expensive plans can go as high as $400 per month. Likewise, estimates put the annual payment increase to be 5 to 6%. Average Cost of Medicare Supplemental Insurance. The truth is that it is very hard to give one definitive figure as to the average cost of Medicare supplemental insurance. First, there are a lot of factors that can cause supplemental insurance prices to vary from one customer to the next and from one state to the next.
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