Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
5.0 NerdWallet rating AARP Medicare Supplement Insurance from UnitedHealthcare has 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. (866) 273-0795 / TTY 711 Call UnitedHealthcare from UnitedHealthcare 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 Cons
AARP/UnitedHealthcare
AARP Medicare Supplement Insurance from UnitedHealthcare
5.0
NerdWallet rating
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
4.5 NerdWallet rating 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. (855) 432-0512 / TTY 711 M-F 9am-9pm ET, Sa 10am-9pm ET Speak to a licensed insurance agent on askchapter.org on NerdWallet 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 Cons
State Farm
State Farm Medicare Supplement Insurance
4.5
NerdWallet rating
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
4.5 NerdWallet rating Mutual of Omaha's household discount of up to 12% is larger than most competitors' discounts, and members file few complaints about their policies. (855) 432-0512 / TTY 711 M-F 9am-9pm ET, Sa 10am-9pm ET Speak to a licensed insurance agent on askchapter.org on NerdWallet Plan types offered A, F, G and N. NAIC complaint rate Far fewer than expected Premium discounts available Above average Plan types offered A, F, G and N. NAIC complaint rate Far fewer than expected Premium discounts available Above average Pros Cons
Mutual of Omaha
Mutual of Omaha Medicare Supplement Insurance
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
4.0 NerdWallet rating 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. (855) 432-0512 / TTY 711 M-F 9am-9pm ET, Sa 10am-9pm ET Speak to a licensed insurance agent on askchapter.org on NerdWallet 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 Cons
Anthem
Anthem Medicare Supplement Insurance
4.0
NerdWallet rating
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. (855) 432-0512 / TTY 711 M-F 9am-9pm ET, Sa 10am-9pm ET Speak to a licensed insurance agent on askchapter.org on NerdWallet 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 Cons
Blue Cross Blue Shield
Blue Cross Blue Shield Medicare Supplement Insurance
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
Because rating factors can differ significantly among over 30 independent Blue Cross Blue Shield companies, NerdWallet doesn't calculate a star rating for Blue Cross Blue Shield as we do for other Medigap companies. For more information, see our full ratings methodology.
💬 From our Nerds: What are the top five Medicare supplement plans?
"Based on NerdWallet’s 2024 Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2024: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield. These companies stood out based on plan types offered, premiums, discounts, complaint rates and nationwide availability."
— Alex Rosenberg, lead writer covering Medicare
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, visit Medicare.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.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsem*nt of the NAIC.
