by Russell Noga | Updated January 30th, 2024
Are you looking into Medicare supplement insurance providers?
There are dozens of private healthcare firms offering Medigap plans.
The customer service, perks, and premiums between providers differ widely.
In this post, we’ll examine the top 10 Medicare supplement insurance companies.
What Benefits Do You Get with the Top 10 Medicare Supplement Insurance Companies?
The CMS, a federal agency, regulates the Medigap industry. All providers must offer the same benefits in every Medigap plan per Federal guidelines. All Medigap plans provide the following benefits.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
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Plans F*, G, and N offer additional Medicare Parts A & B benefits.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover these charges).
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
*Plan F is only available for Medicare beneficiaries eligible for Parts A & B before January 1, 2020.
Aetna
Aetna services 43 states, and it’s one of the most affordable providers of Medigap plans with great rates on monthly premiums for all plans. Aetna offers some of the best rates, but they only go so far with additional perks for their beneficiaries.
They’re a good option if you’re looking for the cheapest quote on a Medigap plan. If you value Medigap plans’ perks and additional benefits, look at other providers like UnitedHealthcare, Humana, and Cigna.
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Mutual of Omaha
Mutual of Omaha is one of the leading providers of Medigap plans, with affordable rates and good perks. They offer plans in 49 states. However, they have a limited range, with Plans A, F, G, & N being the only options. They are one of the few companies offering high-deductible Plan F for qualifying beneficiaries.
Mutual of Omaha offers its “Mutually Well” program, giving you access to discounts on wellness products and services, gym memberships, and an app to track fitness activities. You also get discounts on vision, hearing, and dental services using its in-network providers. Mutual of Omaha also offers the best household discount in the Medigap industry, with up to a 12% saving on additional plans.
Humana
Humana serves 49 states with Medigap plans. The company sticks to offering the most popular Medigap plans. You have options for Plans A, F, G, N, and high-deductible plans F & G. Humana offers a mid-priced option for Medigap plans, and it’s the lowest-cost provider for certain plans in specific states.
Humana also provides beneficiaries with excellent perks. You get access to discounts on a range of OTC supplements and medications, discounted gym memberships through the SilverSneakers program, and a 6% discount for enrolling in your Medigap plan through its online portal (some states don’t qualify for online enrollment).
Cigna
Cigna offers Medigap plans in 48 states. It’s also one of the best options for plans in many states, with the most affordable rates. Cigna only offers its members plans A, F, G, & N. While it’s the cheapest option in many states, it can be the most expensive provider in others. Check with us to see where they stand in your state.
Cigna offers a discount rewards program for fitness and nutrition programs and discounted rates on wellness products, supplements, and OTC medications. With its partner network, you also get discounted rates on hearing and vision services. Cigna also offers standalone plans for dental and drug coverage.
UnitedHealthcare
UnitedHealthcare offers Medigap plans through its subsidiary, AARP. UHC is consistently among the most affordable providers of Medigap policies in all 50 states. UHC offers Plans A, B, G, F, K, L, & N, sticking to the most popular options for its clients.
The only drawback is that you need to be an AARP member to sign up for Medigap policies with the company.
UHCs also offer Medigap members access to its “Renew Active” discount program for free gym memberships. The “Wellness +” program provides members discounts on OTC medications, supplements, and vision, dental, and hearing services.
It’s one of the best choices for extra perks, and you get a good household discount and discounts for paying premiums via electronic funds transfer.
Blue Cross Blue Shield
Blue Cross Blue Shield is a collective of 34 companies operating under the BCBS banner. They offer some of the best rates in the country in selected areas. However, in some areas, they might be a mid-range pricing provider. They offer plans in all 50 states, and a comprehensive selection, with Plans A, B, D, G, F, K, L, M, & N available in most locations. They all have high-deductible Plans F & G available in select states.
Blue Cross Blue Shield also offers the “Plan G+” policy in select states, with Plan G+. You get dental, hearing, and vision coverage for around $22 extra per month over the standard Plan G rate. The “Blue to Blue” program allows beneficiaries to switch plans at certain times of the year, and some plans offer SilverSneakers and discounts on prescriptions, over-the-counter health and wellness products, vision services, eyewear, hearing services, and hearing aids.
United American
United American is another top-rated option for your Medigap plan. You get good rates but a limited selection of plans, with Plans F, G, & N available. They also have options for high-deductible Plans F & G.
The United American, second policy anniversary rule, allows high-deductible plan beneficiaries to switch to the standard version on the second anniversary of the policy with no underwriting requirement. The company offers Medigap plans in 48 states.
Manhattan Life
Manhattan Life is another fantastic option for Medigap policies, servicing 40 states nationwide. The company also focuses on top-rated plans, with Plans A, G, & N available. They’re one of the most affordable choices for Plan N in some states.
You get a 7% household discount and good customer service ratings. However, there isn’t anything in the way of perks available from this company, so you might want to look at other options if you want extras,
Capitol Life
Capitol Life serves 32 states and focuses its range of Medigap plans on Plans A, N, G, and F. They offer a 7% household discount in most states and good rates on many plans in select areas. You get real-time instant approval on your policy in seconds and portable coverage if you move.
Bankers Fidelity
Bankers Fidelity has Medigap plans available in 46 states. It sticks to the most popular plans, F, G, & N, and has good rates on its plans. However, it lacks perks for its members.
The REMEDIGAP service offers members access to free support for the life of their policy and a service team to assist them with any issues they have with their policy.
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Frequently Asked Questions
Which are the top 10 Medicare Supplement insurance companies?
The top 10 Medicare Supplement insurance companies include Aetna, Cigna, Mutual of Omaha, UnitedHealthcare, Blue Cross Blue Shield, Humana, Anthem, Transamerica, Bankers Fidelity, and Globe Life. These companies are known for their reliability, customer service, and competitive coverage options.
Who is eligible to enroll in Medicare Supplement plans offered by these companies?
Eligibility for Medicare Supplement plans offered by these companies generally requires individuals to be enrolled in Medicare Part A and Part B. Enrollment is typically open to people who are 65 years or older, or those under 65 with certain disabilities.
What are the best Medicare Supplement plans offered by these companies?
The best Medicare Supplement plans offered by these companies may vary depending on individual needs and preferences. However, Plan G and Plan N are popular options. Plan G provides comprehensive coverage, while Plan N offers similar coverage with some cost-sharing, such as copayments for office visits and emergency room visits.
What is the difference between Medicare Supplement Plan G and Plan N?
Medicare Supplement Plan G offers comprehensive coverage, including coverage for the Part A deductible, Part B excess charges, and skilled nursing facility coinsurance. Plan N provides similar coverage but with some cost-sharing, such as a copayment for office visits and emergency room visits.
What coverage and benefits do these Medicare Supplement insurance companies offer?
These Medicare Supplement insurance companies generally offer coverage for Medicare Part A and B coinsurance, hospital costs, and may include coverage for additional services such as preventive care, skilled nursing facility care, and foreign travel emergencies. The specific coverage details may vary based on the plan and company.
Are there any additional benefits or perks offered by these Medicare Supplement insurance companies?
While specific benefits and perks may vary, some Medicare Supplement insurance companies may offer additional benefits such as coverage for prescription drugs, vision and dental care, fitness programs, and telehealth services. It’s important to review the details of each plan and company to understand the specific benefits included.
How can I enroll in Medicare Supplement plans offered by these companies?
To enroll in Medicare Supplement plans offered by these companies, you can contact the companies directly or work with licensed insurance agents who represent them. These agents can guide you through the enrollment process, help you compare plans, and assist with any required paperwork.
What factors should I consider when comparing Medicare Supplement plans from these companies?
When comparing Medicare Supplement plans from these companies, consider factors such as the specific coverage offered, premium rates, company reputation, customer service quality, financial stability, and any additional benefits or perks that align with your healthcare needs.
Are there any discounts or savings opportunities available with these Medicare Supplement insurance companies?
Some Medicare Supplement insurance companies may offer discounts or savings opportunities. These can vary based on factors such as age, household discounts, or payment method discounts. It’s recommended to inquire directly with the companies or their authorized agents to learn about any available savings opportunities.
Where can I get more information about Medicare Supplement plans offered by these companies?
To get more information about Medicare Supplement plans offered by these companies, you can visit their official websites or contact them directly. Additionally, you can consult with licensed insurance agents who represent these companies to get personalized guidance and assistance in understanding the plan options.
Call Us to Get the Best Deal on Medigap Plans
If you need assistance choosing the best insurer for your Medigap policy, call our agents at 1-888-891-0229. We offer free consultations on Medigap plans. We’ll help you choose the right plan and provider for your healthcare needs and budget.
If you want one of our fully licensed Medigap agents to call you back, leave your details on our contact form. Or you can use the tool on our site to get a free automated quote on any Medigap plan.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.