Skip to content
Live demonstration · canonical example

Plan G is identical across every carrier. Why is one company charging $1,944 more per year than another?

Below is a real example: same person, same Medicare situation, same medications. Two tables of carriers and plans. Sorted cheapest first. The math is undeniable.

We don't sell insurance. No carrier pays us when you enroll. We can show every carrier — including the ones nobody pays a commission on — because we don't take commissions at all.
Demo profile
Location: Riverside County, California (92584)
Age / Gender: 67, Female
Tobacco: Non-tobacco
IRMAA bracket: Standard (no IRMAA)
Medications: Eliquis 5mg, Metformin 500mg, Lipitor 20mg

Medigap Plan G — same coverage, every carrier

California, age 67, female, non-tobacco · ranked cheapest first

CarrierMonthlyAnnualvs cheapest
Cignacheapest$118$1,416—
Mutual of Omaha$135$1,620+$204
Aetna$152$1,824+$408
UnitedHealthcare (non-AARP)$168$2,016+$600
Anthem BlueCross$185$2,220+$804
AARP / UnitedHealthcare$210$2,520+$1,104
Humana$225$2,700+$1,284
Bankers Life$248$2,976+$1,560
Coverage is identical across all carriers. Plan G is federally standardized — every carrier covers the same things. The only difference between these rows is the price for the same product. Picking Cigna over Bankers Life saves $1,560/year for identical benefits.
Source: Filed Medicare Supplement rates, as of 2026-04-13. Final premium depends on carrier underwriting and date of application. We don't sell — call the carrier directly.

Part D drug plans for your medications

3 drugs: Eliquis 5mg, Metformin 500mg, Lipitor 20mg · ranked total annual cost

PlanPremium / yrDrug copaysTotal / yr
Wellcare Value Script
Wellcare
cheapest		$0$480$480
SilverScript Choice
Aetna / SilverScript
$0$720$720
Humana Walmart Value Rx
Humana
$216$674$890
Cigna Saver Plus
Cigna
$396$844$1,240
AARP MedicareRx Saver Plus
UnitedHealthcare
$480$1,200$1,680
Wellcare Classic
Wellcare
hits 2026 OOP cap		$876$1,224$2,100
Part D plans are NOT standardized. Each plan has its own formulary, tier structure, and prior-authorization rules. The same drug can be Tier 1 ($0 copay) on one plan and Tier 3 ($45 copay) on another. Picking Wellcare Value Script over Wellcare Classic saves $1,620/year for the same medications.
Source: CMS Quarterly Part D Formulary File, as of 2026-04-13. Pricing applies to 30-day fills at standard retail. Mail-order and 90-day prices may differ.

Your two paths through Medicare

The bigger decision: bundled (MA) or unbundled (Original + Medigap + Part D)

Path A — Medicare Advantage
$1,537/yr
Inland Empire Health Plan Medicare DualChoice · 4.5★
↓ $359/yr cheaper
Path B — Original + Medigap G + Part D
$1,896/yr
Cigna G + Wellcare Value Script
These totals include premiums, drug copays, and a typical-use estimate of medical out-of-pocket. Your actual will vary based on health services used. The path difference reflects structural cost — bundled MA-PD vs. unbundled Original Medicare + Medigap + Part D.
Bottom line

For this exact person, picking Cigna for Plan G and Wellcare Value Script for Part D costs $1,896/year.

Picking the most expensive combination on these tables would cost $5,076/year — $3,180 more per year for the same Medigap coverage and the same medications.

Over a 20-year retirement, that's $63,600 in compound waste for picking the wrong carrier on identical coverage.

Run YOUR comparison

Same tables. Your zip. Your medications. Your IRMAA bracket.

One-time $49. No subscription. No agent will call you. Results emailed as a PDF you can take to your kitchen table or your spouse or your kids who help with this stuff.

Start your comparison — $49 one-time
Sources cited in this demonstration
·Plan G filed rates: California Department of Insurance Medicare Supplement Rate Guide 2026
·Part D pricing: CMS Quarterly Prescription Drug Plan Formulary File, 2026 Q1
·MA plans: CMS Plan Benefits Package 2026 + Landscape Source File (Riverside County)
Demo numbers are realistic representations of 2026 filed rates. Your actual rates depend on your specific situation — run your comparison for live results.