Medigap Plan G is the most comprehensive Medicare Supplement Insurance plan that all Medicare members can buy. It’s also the most popular of these plan types.
Plan G covers nearly all of the out-of-pocket expenses associated with Medicare Part A and Part B, such as copays, coinsurance and deductibles. (Medigap plans sold to people who became eligible for Medicare after 2019 can’t cover the Medicare Part B deductible — $257 in 2025 — so Plan G doesn’t cover that cost.)
Every company’s Medigap Plan G covers the same Medicare benefits — but some insurance companies can be better choices than others. Since it can be difficult or impossible to change Medigap plans after the end of your Medigap open enrollment period, it’s a good idea to choose your Medigap Plan G company carefully.
Here are NerdWallet’s picks for the best Medicare Supplement Plan G companies for 2025.
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Best Medicare Supplement Plan G companies
NerdWallet compares Medicare Supplement Insurance companies based on plan availability, member satisfaction, pricing, extra perks 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 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 PREMIUM DISCOUNTS | (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 | 4.5/5 | A, F, G and N. | Far fewer than expected | Above average | |
Best overall: 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.
Service area: 50 states and Washington, D.C..
Why we like it: AARP and UnitedHealthcare make Medigap Plan G policies widely available with low prices and few member complaints. Unless you’re looking for specific side benefits or a high-deductible Plan G option, AARP/UnitedHealthcare Plan G can be hard to beat.
Pros
- Competitive prices for Plan G.
- 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 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.
Service area: Every state except Massachusetts and New York, plus Washington, D.C.
Why we like it: Cigna has the lowest Medigap Plan G premiums 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.
Pros
- Competitive premiums, even before discounts.
- Plenty of premium discounts.
Cons
- Higher-than-average complaint rate.
- Few choices for other plan types.
» MORE: Read our review of Cigna Medicare Supplement Insurance
Best for additional coverage options: 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.
Service area: 14 states.
Why we like it: If you want to roll dental, hearing and vision coverage into your Medigap Plan G purchase, Anthem is a strong option. The company’s Anthem Extras packages offer multiple tiers of dental, hearing and/or vision coverage that you can mix and match with most Anthem Medigap policies to fit your needs.
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.
- Available in only about one-third of states.
» MORE: Read our review of Anthem Medicare Supplement Insurance
Best for high-deductible Medigap Plan G: Mutual of Omaha
- Complaint rates are well below the market average.
- Sizable premium discounts.
- Few choices for plan type.
- Premiums aren't the lowest.
Service area: Every state except Massachusetts, plus Washington, D.C..
Why we like it: Mutual of Omaha makes high-deductible Medigap Plan G widely available, whereas many competitors offer it in fewer states. Mutual of Omaha plans get far fewer complaints than average, and significant household and/or online application discounts might bring prices down for qualifying applicants (terms and discount levels can vary by location).
Pros
- Complaint rates are well below the market average.
- Sizable premium discounts.
Cons
- Plan G premiums aren't the lowest.
- Few choices for other plan types.
» MORE: Read our review of Mutual of Omaha Medicare Supplement Insurance
More Nerdy Perspective
NerdWallet's top picks for Medigap Plan G in 2025 include AARP / UnitedHealthcare, Mutual of Omaha, Cigna and Anthem. Those companies stood out from a field of 15 after we analyzed factors including premiums, discounts, complaint rates, extra perks, online quote availability and more. I recommend comparing quotes from several insurance companies and/or working with a licensed agent or broker to find the best fit for your budget and circumstances.
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 for Medigap Plan G:
Best overall: AARP/UnitedHealthcare Medicare Supplement Insurance
Best for low premiums: Cigna Medicare Supplement Insurance
Best for additional coverage options: Anthem Medicare Supplement Insurance
Best for high-deductible Medigap Plan G: Mutual of Omaha Medicare Supplement Insurance
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.AHIP. The State of Medicare Supplement Coverage. Accessed Feb 28, 2025.
- 2.Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Feb 28, 2025.
- 3.UnitedHealthcare. AARP Medicare Supplement Insurance Plans for Retirees. Accessed Feb 28, 2025.
- 4.Cigna. Contact Us. Accessed Feb 28, 2025.
- 5.Anthem. Medicare Supplement Plans (Medigap) from Anthem. Accessed Feb 28, 2025.
- 6.Anthem. Anthem Extras Packages. Accessed Feb 28, 2025.
- 7.Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Feb 28, 2025.
- 8.Mutual of Omaha. Medicare Supplement Plan and Household Discount Availability. 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.