Best Medicare Supplement Insurance Companies in 2024

Find the best Medigap insurance company for your needs and your budget.
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Alex Rosenberg
By Alex Rosenberg 
Updated
Edited by Holly Carey

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Medicare Supplement Insurance, or Medigap, covers out-of-pocket expenses like copays, coinsurance and deductibles from Original Medicare

Centers for Medicare & Medicaid Services. Learn How Medigap Works. Accessed Jan 29, 2024.
.

In most states, there are 10 standardized Medigap plan types

Centers for Medicare & Medicaid Services. Get Medigap Basics. Accessed Jan 29, 2024.
. 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.

Insurance company
Plan types offered
NAIC complaint rate
Premium discounts available
Learn more
Best for Medigap plan options
AARP/UnitedHealthcare Medigap

UnitedHealthcare

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(800) 215-3128
A, B, C, F, G, K, L and N.Far fewer than expectedAverage

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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from askchapter.org

Best for member satisfaction
State Farm Medigap

State Farm

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(800) 215-3128
A, C, D, F, G and N.Far fewer than expectedBelow average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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from askchapter.org

Best for premium discounts
Mutual of Omaha Medigap

Mutual of Omaha

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(800) 215-3128
A, F, G and N.Far fewer than expectedAbove average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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from askchapter.org

Best for extra benefits
Anthem Medigap

Anthem

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(800) 215-3128
A, F, G and N.Close to expectedAbove average

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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from askchapter.org

Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance

AARP/UnitedHealthcare Medigap

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.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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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

Average


Plan types offered

A, B, C, F, G, K, L and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

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.

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.

Best for member satisfaction: State Farm Medicare Supplement Insurance

State Farm Medigap

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.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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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

  • 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.

Service area: 45 states and Washington, D.C

NerdWallet analysis of State Farm plan offerings. Medicare Supplemental Insurance by State Farm. Accessed Jan 29, 2024.
.

Standout feature: Members rarely file complaints about Medigap policies from State Farm

NerdWallet analysis of NAIC complaint data for State Farm. National Complaint Index Report. Accessed Jan 29, 2024.
.

» MORE: Read our review of State Farm Medicare Supplement Insurance

Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance

Mutual of Omaha Medigap

Mutual of Omaha

Mutual of Omaha's household discount of up to 12% is larger than most competitors' discounts, and members file few complaints about their policies.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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from askchapter.org

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

  • 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.

Service area: Every state except Massachusetts, plus Washington, D.C

Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Jan 29, 2024.
.

Standout feature: Some applicants can receive up to a 12% discount if they live with a spouse, domestic partner or other adults

Mutual of Omaha. Medicare Solutions Product Portfolio. Accessed Jan 29, 2024.
. In some states, this discount requires that the other household member already has or is applying for a Mutual of Omaha Medigap policy.

Best for extra benefits: Anthem Medicare Supplement Insurance

Anthem Medigap

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.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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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

  • 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.

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

Anthem. Anthem Extras Packages. Accessed Jan 29, 2024.
. 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 Medigap

Blue Cross Blue Shield

Blue Cross Blue Shield is a collective of 33 companies. BCBS plans are available throughout the country, but plan types, prices and performance vary.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

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

  • "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 N.
  • Cheaper Medicare Select plans have network requirements.

Service area: 50 states and Washington, D.C

Blue Cross Blue Shield. BCBS Companies and Licensees. Accessed Jan 29, 2024.
.

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.

Medigap plan types

Get details on Medicare Supplement Insurance options

Coverage

Medigap Plan

Basic benefits

Basics plus some extras

Highest coverage

Lower premiums, but higher copays

Lowest premiums — partial coverage

No longer for sale to new Medicare members

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:

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.

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