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Medicare Supplement Insurance, or Medigap, covers out-of-pocket expenses like copays, coinsurance and deductibles from Original Medicare.
In most states, there are 10 standardized Medigap plan types. Each plan type has the same Medicare benefits, but there can still be significant differences between policies offered by different companies.
Private insurance companies that sell Medigap policies differ in terms of plan types offered, states they serve, prices, extra perks and customer service. Each company has different strengths and weaknesses.
Here are NerdWallet’s picks for the top five companies for Medicare Supplement plans in 2024.
Best Medicare Supplement Insurance companies
NerdWallet compares Medigap supplemental health insurance companies' performance in terms of plan choices, member satisfaction, affordable prices, extra perks, service area and more.
Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
AARP Medicare Supplement Insurance plans from UnitedHealthcare have low complaint rates when compared with most competitors. Some plans have several variations with different prices, wellness extras and/or network restrictions, which could make choosing a plan confusing. from askchapter.org Plan types offered A, B, C, F, G, K, L and N. NAIC complaint rate Far fewer than expected Premium discounts available Above average Plan types offered A, B, C, F, G, K, L and N. NAIC complaint rate Far fewer than expected Premium discounts available Above average Pros ConsAARP/UnitedHealthcare
Service area: 50 states and Washington, D.C.
Standout feature: While many competitors offer four or five Medigap plans, AARP/UnitedHealthcare offers every Medigap plan except for Plans D and M, and its Medigap policies are available everywhere in the country.
» MORE: Read our review of AARP/UnitedHealthcare Medicare Supplement Insurance
Best for member satisfaction: State Farm Medicare Supplement Insurance
State Farm sells Medigap policies in most states, and members have few complaints about the company. However, the prices could be lower, and competitors offer more opportunities for discounts or added perks with your policy. M-F 9am-9pm ET, Sa 10am-9pm ET Speak to a licensed insurance agent on askchapter.org from askchapter.org Plan types offered A, C, D, F, G and N. NAIC complaint rate Far fewer than expected Premium discounts available Below average Plan types offered A, C, D, F, G and N. NAIC complaint rate Far fewer than expected Premium discounts available Below average Pros ConsState Farm
Service area: 45 states and Washington, D.C.
Standout feature: Members rarely file complaints about Medigap policies from State Farm.
» MORE: Read our review of State Farm Medicare Supplement Insurance
Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
Mutual of Omaha's household discount of up to 12% is larger than most competitors' discounts, and members file few complaints about their policies. from askchapter.org Plan types offered A, F, G and N. NAIC complaint rate Far fewer than expected Premium discounts available Above average NAIC complaint rate Far fewer than expected Premium discounts available Above average Pros ConsMutual of Omaha
Service area: Every state except Massachusetts, plus Washington, D.C.
Standout feature: Some applicants can receive up to a 12% discount if they live with a spouse, domestic partner or other adults. In some states, this discount requires that the other household member already has or is applying for a Mutual of Omaha Medigap policy.
» MORE: Read our review of Mutual of Omaha Medicare Supplement Insurance
Best for extra benefits: Anthem Medicare Supplement Insurance
Anthem stands out from most other Medigap companies by offering options to add dental and vision coverage to Medigap plans. It offers only a few Medigap plan types, though, and serves fewer states than most competitors. from askchapter.org Plan types offered A, F, G and N. NAIC complaint rate Close to expected Premium discounts available Above average Plan types offered A, F, G and N. NAIC complaint rate Close to expected Premium discounts available Above average Pros ConsAnthem
Service area: 14 states.
Standout feature: In some locations, Anthem offers the option to add on coverage with cost sharing for services not included in standard Medigap plan types. For example, Anthem Extras packages can cover some costs for dental cleanings, dental procedures and eye exams, plus an allowance for eyeglasses or contact lenses.
» MORE: Read our review of Anthem Medicare Supplement Insurance
Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
Blue Cross Blue Shield is a collective of 33 companies. BCBS plans are available throughout the country, but plan types, prices and performance vary. from askchapter.org Plan types offered A, B, C, D, F, G, K, L, M and N. NAIC complaint rate Close to expected Premium discounts available Average Plan types offered A, B, C, D, F, G, K, L, M and N. NAIC complaint rate Close to expected Premium discounts available Average Pros ConsBlue Cross Blue Shield
Service area: 50 states and Washington, D.C.
Standout feature: There’s at least one Blue Cross Blue Shield company serving every state, so wherever you are, it’s likely that there are BCBS Medigap plans available to you.
» MORE: Read our review of Blue Cross Blue Shield Medicare Supplement Insurance
Medigap plan types
Get details on Medicare Supplement Insurance options | |
Coverage | Medigap Plan |
Basic benefits | Medigap Plan A. |
Basics plus some extras | Medigap Plan B. Medigap Plan M. |
Highest coverage | Medigap Plan D. Medigap Plan G. |
Lower premiums, but higher copays | Medigap Plan N. |
Lowest premiums — partial coverage | Medigap Plan K. Medigap Plan L. |
No longer for sale to new Medicare members | Medigap Plan C. Medigap Plan F. |
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
Here's an overview of our top picks:
Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance.
Best for member satisfaction: State Farm Medicare Supplement Insurance.
Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance.
Best for extra benefits: Anthem Medicare Supplement Insurance.
Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance.
If you have additional questions about Medicare, visitMedicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Note regarding NAIC complaint data: NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsem*nt of the NAIC.