NerdWallet developed our own consumer-first scoring methodology, collected data and crunched the numbers to find the best Medigap plans. We analyzed Medicare Supplement Insurance companies covering nearly 93% of all Medigap beneficiaries to pick the best of 2025 based on cost, member satisfaction and more.
Here are NerdWallet’s picks for the top five companies for Medicare Supplement plans for 2025.
Best for Medigap plan options: AARP/UnitedHealthcare.
Best for premium discounts: Mutual of Omaha.
Best for member satisfaction: State Farm.
Best for low premiums: Cigna.
Best for extra benefits: Anthem.
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Our picks: Best Medicare Supplement Insurance companies
NerdWallet scores Medigap supplemental health insurance companies' performance in terms of plan choices, member satisfaction, affordable prices, extra perks, service area and more.
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | |
BEST FOR EXTRA BENEFITS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.5/5 | A, F, G and N. | More than expected | Above average | |
BEST FOR LOW PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, F, G and N. | More than expected | Above average | |
Best for Medigap plan options: AARP/UnitedHealthcare
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
- Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Network requirements for lower-cost Medicare Select plans.
Why we picked it: More plan type options can offer greater flexibility to choose the best fit for coverage and cost. While many competitors offer four or five Medigap plans, AARP offers every plan except for Plans D and M, and its policies are available everywhere in the country.
Service area: 50 states and Washington, D.C.
Pros
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
Cons
- Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Network requirements for lower-cost Medicare Select plans.
» MORE: Read our review of AARP/UnitedHealthcare Medicare Supplement Insurance
Best for premium discounts: Mutual of Omaha
- Complaint rates are well below the market average.
- Sizable premium discounts.
- Few choices for plan type.
- Premiums aren't the lowest.
Why we picked it: Some applicants can receive up to a 12% discount if they live with a spouse, domestic partner or other adults (terms may vary). There’s also a 5% online application discount that can offer further savings.
Service area: Every state except Massachusetts, plus Washington, D.C.
Pros
- Complaint rates are well below the market average.
- Sizable premium discounts.
Cons
- Few choices for plan type.
- Premiums aren't the lowest.
» MORE: Read our review of Mutual of Omaha Medicare Supplement Insurance
Best for member satisfaction: State Farm
- Complaint rates over 50% below the market average.
- Competitive prices in some higher-cost locations.
- Few discounts or health and wellness perks.
- High premiums in some locations.
Why we picked it: Plans with low complaint rates might offer a better member experience and/or more helpful customer service, and State Farm members very rarely file complaints about their Medigap policies.
Service area: 45 states and Washington, D.C.
Pros
- Complaint rates over 50% below the market average.
- Competitive prices in some higher-cost locations.
Cons
- Few discounts or health and wellness perks.
- High premiums in some locations.
» MORE: Read our review of State Farm Medicare Supplement Insurance
Best for low premiums: Cigna
- Competitive premiums, even before discounts.
- Plenty of premium discounts.
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new Medicare beneficiaries.
Why we picked it: Cigna’s base premiums are the lowest among all companies NerdWallet rates, on average, and substantial discounts for living with another adult and/or applying online might make the company’s prices even more affordable.
Service area: Every state except Massachusetts and New York, plus Washington, D.C.
Pros
- Competitive premiums, even before discounts.
- Plenty of premium discounts.
Cons
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new members.
» MORE: Read our review of Cigna Medicare Supplement Insurance
Best for extra benefits: Anthem
- 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.
- Lower-coverage plans are sometimes more expensive.
- Few Medigap plan types available.
- Available in only about one-third of states.
Why we picked it: In some locations, Anthem offers options to add on coverage with cost sharing for certain services not included in standard Medigap plan types. For example, Anthem Extras packages can cover some costs for dental cleanings, dental procedures, eye exams, eyeglasses and/or contact lenses.
Service area: 14 states.
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.
» MORE: Read our review of Anthem Medicare Supplement Insurance
More Nerdy Perspective
Based on NerdWallet’s Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2025: AARP / UnitedHealthcare, Mutual of Omaha, State Farm, Cigna and Anthem. These companies stood out based on plan types offered, discounts, complaint rates, premiums and additional coverage options. It’s always a good idea to shop around. Consider comparing multiple quotes and/or working with a licensed insurance agent or broker to find the best Medicare Supplement Insurance for you.
How we choose the best Medicare Supplement plans
To rate the best Medicare Supplement plans, NerdWallet evaluates Medicare Supplement Insurance companies on factors including:
Prices for Medigap Plan G and Plan N in multiple metro areas.
Consumer complaint rates.
Availability and size of premium discounts.
Online price quote availability.
Range of Medigap plan types offered.
Medical loss ratio (the percentage of premiums spent for member benefits).
Breadth and type of extra non-Medicare perks included with plans.
We continually reevaluate and update our methodology to reflect evolving industry standards and consumer needs.
Medigap plan types
Get details on Medicare Supplement plan 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.
You may be eligible for Medicare plans during a special enrollment period if you are turning 65, new to Medicare plans, moving or losing coverage.
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.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.UnitedHealthcare. AARP Medicare Supplement Insurance Plans for Retirees. Accessed Feb 28, 2025.
- 2.Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Feb 28, 2025.
- 3.NerdWallet analysis of State Farm plan offerings. Health Insurance You Can Rely On. Accessed Feb 28, 2025.
- 4.Cigna. Contact Us. Accessed Feb 28, 2025.
- 5.Anthem. Medicare Supplement Plans With Anthem. Accessed Feb 28, 2025.
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 15 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 endorsement of the NAIC.