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What is the Medicare Supplement Household Discount

1 min read
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You can get a discount when you are buying a pair of shoes, a car, an appliance, or an airplane but can you get a discount on Medicare Supplement health insurance?

The good news is that you can get a household discount on a Medicare Supplement policy. Read on to find our more.

When you sign up for a Medicare Supplement Plan, you could get a household discount of up to 12-15%.

But conditions apply – whether you are eligible depends on the carrier. Rules and discount rates vary from one insurance company to another, so be ready to shop around and ask several of them whether they offer household discounts.

There are different eligibility rules too. The most common situation is that you and your spouse are eligible for a discount if you are signing up at the same time. If so, both of you could get a discount.

Some eligibility rules are not as obvious. For example, some companies will offer you a discount if you are married even if your spouse doesn’t sign up at the same time you do. Some don’t even require spousal status, as long as you live with another resident in your household over a certain age for at least 12 months you may also be eligible.

Note: Medicare is individual insurance so even though you may get discount you and a spouse are not signing up to a joint policy. You will each have separate Medicare Supplement Plans and will be billed separately.

The discount you get applies to the Medicare Supplement premium you pay. You will not get a discount on copays, deductibles, or other costs associated with Medicare.

Medicare Supplement Plans: The Basics

  • Medicare Supplement plans (or ‘Medigap’) cover gaps in Original Medicare
  • Medigap plans are Federally standardized; therefore, the best plan is the one that costs the least
  • If you want a Medigap plan with the most coverage, ask about enrolling in one of the two most popular plans: Medicare Supplement Plan G or Medicare Supplement Plan N.
  • Enroll when you first become eligible so don’t miss your opportunity to get a guaranteed issue plan.

A Few Caveats from the Medicare Experts at CoverRight

Please note, that we are only writing about Medicare Supplement Plans. You cannot get a household discount on Medicare Advantage Plans, which are often zero-cost, to begin with.


CoverRight is on a mission to make the Medicare plan selection process easy to understand. We are here to help you find the best Medicare plans suited to your specific situation.

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Barry Lenson

Barry’s is an experienced writer who's most recent book projects have included "The Digital Health Revolution" and "Connecting Health Care," for which he served as writer and editor for the author Kevin Pereau. Barry’s own books include the self-help bestseller "Good Stress, Bad Stress." Barry writes blogs for Tortal Training, Ingage Consulting, Specialty Metals Smelters and Refiners, and other clients.

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