SelectQuote reviews

SelectQuote is an insurance broker that helps customers compare Medicare supplement plans (sometimes called Medigap plans) from companies like Aetna, Anthem and Humana. It was founded in 1985 and is available nationwide.

Getting a quote

You provide SelectQuote with your information, and the company shops insurance carriers for plans that may fit your needs and budget, including popular choices like Plan G and Plan N. You can start the process online, but most of it takes place over the phone with a licensed agent.

Medigap eligibility

To be eligible for a Medigap plan, you need to be enrolled in Medicare parts A and B. When you turn 65 and are enrolled in Part B, your six-month open enrollment period begins. During this time, you can enroll without medical underwriting. After that period, insurers may review your health history, which can affect eligibility and costs.

Using your coverage

Once enrolled, Medigap coverage lets you see any doctor or hospital that accepts Medicare. Medicare and the Medigap insurance provider typically handle claims, so the process is generally seamless for the patient.

SelectQuote’s plan selection depends on what’s offered by the insurance companies it works with. Generally, that means most standard Medigap plans may be available.

There are ten standard Medigap plans: A, B, C, D, F, G, K, L, M and N. Eligibility for these plans can depend on when you first became eligible for Medicare, so your best bet is to speak with an agent to see what your options are.

The most commonly available plans are:

• Plan G: This plan is generally the most popular. It’s comprehensive, covering everything except the $283 Medicare Part B deductible.
• Plan N: Plan N is similar to Plan G. It has lower premiums, but you’ll pay small copays for visits ($20 for a doctor visit and $50 for the emergency room, for example). It also doesn’t cover excess charges, which are extra costs some providers may bill above the Medicare-approved rate.
• High-deductible Plan G: Like most high-deductible plans, this option has very low premiums, but the deductible is very high — $2,950 in 2026.
• Plan A: Plan A is a very basic plan that covers the 20% coinsurance from original Medicare but little else; it doesn’t cover the $1,736 Part A hospital deductible, for example.

Many plans also come with additional perks, such as gym memberships, telehealth visits or household discounts. These are provided by the insurance companies rather than SelectQuote itself, so watch for them in the quotes you receive.

Since SelectQuote is a broker, it doesn’t set plan costs. These will be determined by the insurance companies and can vary quite a bit from one company to the next. Plan costs are also impacted by several factors, such as age, location, tobacco use and any household discounts you’re eligible for.

In general, more comprehensive plans carry higher premiums. However, cheaper plans can often end up costing more in the long run due to reduced coverage or higher deductibles. It’s also important to keep in mind that during the open enrollment window, your medical history can’t be used to inform the price of insurance, but this is not the case after that six-month period.

Medicare supplement plans fill in gaps in coverage for the original Medicare plans (parts A and B). That means they cover things like:

• Medicare Part A coinsurance and hospital costs
• Medicare Part B copayments
• Part A hospital deductibles
• Coinsurance for hospice care or skilled nursing facilities
• Excess charges
• Emergency care when traveling outside the U.S.

The specifics of what is covered vary from plan to plan. For example, Plan G covers everything except the $283 Part B deductible, whereas other plans may have copays or deductibles to meet before coverage kicks in.

There are some things Medigap plans don’t cover, including:

• Prescription drugs
• Routine dental, vision and hearing care
• Long-term care services

SelectQuote is a nationwide broker, so it can help customers find plans in any state. However, your options can sometimes vary from one state to another.

Yes, SelectQuote is worth it for those shopping for a Medicare supplement plan because it lets customers easily compare plan options from multiple providers to find the one that best suits their needs. The service is available nationwide, so anyone can use it to find the right plan.

One thing to keep in mind is that the SelectQuote process is primarily handled over the phone. For some, this will be a good thing — it can help avoid confusion and ensure you can walk through questions and problems as they arise. However, others may prefer a more online approach. Overall, though, SelectQuote is a great way to shop for Medigap plans.