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Best Medicare Supplement Insurance Companies
Find the best Medigap insurance company for your needs and your budget.
Alex Rosenberg Lead Writer | Medicare, health care, legislation
Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. He is based in Stoughton, Wisconsin.
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. 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.
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.
Insurance company
Plan types offered
Medigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N.
NAIC complaint rate
How often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Premium discounts available
Based on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
AARP/UnitedHealthcare
AARP/UnitedHealthcare Medigap plans have low complaint rates when compared with most competitors. There are many configurations of plan types and extras available — sometimes so many that it might be overwhelming to choose.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, F, G, K, L and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Average
Pros
Offers as many as eight out of 10 plan types.
Available in every state.
Few customer complaints and strong third-party customer satisfaction ratings.
Cons
Health and wellness discounts cost extra, while some competitors offer them for free.
Plan variations and extras can get confusing.
Network requirements for lower-cost Medicare Select plans.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, F, G, K, L and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Average
Pros
Offers as many as eight out of 10 plan types.
Available in every state.
Few customer complaints and strong third-party customer satisfaction ratings.
Cons
Health and wellness discounts cost extra, while some competitors offer them for free.
Plan variations and extras can get confusing.
Network requirements for lower-cost Medicare Select plans.
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.
Best for member satisfaction: State Farm Medicare Supplement Insurance
State Farm
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.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, C, D, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
Complaint rates over 60% below the market average.
Competitive prices in some higher-cost locations.
Cons
Few discounts or health and wellness perks.
High premiums in some locations.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, C, D, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
Complaint rates over 60% below the market average.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Above average
Pros
Complaint rates are well below the market average.
Available in every state but Massachusetts.
Up to a 12% discount for living with another adult.
Cons
Few choices for plan type.
Higher-then-average spending on overhead rather than member benefits.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Above average
Pros
Complaint rates are well below the market average.
Available in every state but Massachusetts.
Up to a 12% discount for living with another adult.
Cons
Few choices for plan type.
Higher-then-average spending on overhead rather than member benefits.
Service area: Every state except Massachusetts, plus Washington, D.C
Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Aug 22, 2023.
Best for extra benefits: Anthem Medicare Supplement Insurance
Anthem
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.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Above average
Pros
Mix and match dental and vision add-ons.
Several discounts based on household and payment methods.
Extra perks for fitness, health and wellness products and services.
Cons
Lower-coverage plans are sometimes more expensive.
Few Medigap plan types available.
Available in only about one-third of states.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Above average
Pros
Mix and match dental and vision add-ons.
Several discounts based on household and payment methods.
Extra perks for fitness, health and wellness products and services.
Cons
Lower-coverage plans are sometimes more expensive.
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 glasses frames or contact lenses.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, D, F, G, K, L, M and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Average
Pros
"Blue to Blue" program could mean easier changes to coverage in the future.
Available in all 50 states and Washington, D.C.
Cons
Offerings and experiences vary depending on BCBS company.
Higher prices for Plan A and Plan N.
Cheaper Medicare Select plans have network requirements.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, D, F, G, K, L, M and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Average
Pros
"Blue to Blue" program could mean easier changes to coverage in the future.
Available in all 50 states and Washington, D.C.
Cons
Offerings and experiences vary depending on BCBS company.
Higher prices for Plan A and Plan N.
Cheaper Medicare Select plans have network requirements.
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.
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.
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 endorsement of the NAIC.
