Best Medicare Supplement Insurance Companies in 2024-2025

Find the best Medigap insurance company for your needs and your budget.

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Written by Alex Rosenberg
Lead Writer
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Edited by Holly Carey
Assigning Editor
Fact Checked

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 87% of all Medigap beneficiaries to pick the best of 2024-2025 based on cost, member satisfaction and more.

Here are NerdWallet’s picks for the top five companies for Medicare Supplement plans in 2024-2025.

45+ Medicare companies and brands analyzed by our team of experts.

30+ years of combined experience covering Medicare and personal finance.

Governed by NerdWallet's strict guidelines for editorial integrity.

NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.

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.

Best for Medigap plan options: AARP/UnitedHealthcare

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AARP/UnitedHealthcare Medigap - UHC (product card)

AARP/UnitedHealthcare

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

GET A QUOTE

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

IS THIS PROVIDER AVAILABLE IN MY STATE?

Plan types offered

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


NAIC complaint rate

Far fewer than expected


Premium discounts available

Above average

IS THIS PROVIDER AVAILABLE IN MY STATE?

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.

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.

Best for member satisfaction: State Farm

Statefarm Medigap - ME

State Farm

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.

(844) 604-2886 / TTY 711

M-F 8am–10pm EST, Sa-Su 8am–9pm EST

Speak to a licensed insurance agent on MedicareEnrollment.com

GET A QUOTE

from MedicareEnrollment.com

Plan types offered

A, C, D, F, G and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Below average

IS THIS PROVIDER AVAILABLE IN MY STATE?

Plan types offered

A, C, D, F, G and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Below average

IS THIS PROVIDER AVAILABLE IN MY STATE?

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.

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

NerdWallet analysis of State Farm plan offerings. Medicare Supplemental Insurance by State Farm. Accessed Dec 2, 2024.
.

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 premium discounts: Mutual of Omaha

Mutual of Omaha Medigap - ME

Mutual of Omaha

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) 603-0642 / TTY 711

M-F 8am–10pm EST, Sa-Su 8am–9pm EST

Speak to a licensed insurance agent on MedicareEnrollment.com

GET A QUOTE

from MedicareEnrollment.com

Plan types offered

A, F, G and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Above average

IS THIS PROVIDER AVAILABLE IN MY STATE?

Plan types offered

A, F, G and N.


NAIC complaint rate

Far fewer than expected


Premium discounts available

Above average

IS THIS PROVIDER AVAILABLE IN MY STATE?

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.

Why we picked it: 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.

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

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

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.

Best for extra benefits: Anthem

Anthem Medigap - ME

Anthem

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.

(877) 391-1154 / TTY 711

M-F 8am–10pm EST, Sa-Su 8am–9pm EST

Speak to a licensed insurance agent on MedicareEnrollment.com

GET A QUOTE

from MedicareEnrollment.com

Plan types offered

A, F, G and N.


NAIC complaint rate

Close to expected


Premium discounts available

Above average

IS THIS PROVIDER AVAILABLE IN MY STATE?

Plan types offered

A, F, G and N.


NAIC complaint rate

Close to expected


Premium discounts available

Above average

IS THIS PROVIDER AVAILABLE IN MY STATE?

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.

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

Best for nationwide availability: Blue Cross Blue Shield

Blue Cross Blue Shield Medigap - ME

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.

(888) 352-0860 / TTY 711

M-F 8am–10pm EST, Sa-Su 8am–9pm EST

Speak to a licensed insurance agent on MedicareEnrollment.com

GET A QUOTE

from MedicareEnrollment.com

Plan types offered

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


NAIC complaint rate

Close to expected


Premium discounts available

Average

IS THIS PROVIDER AVAILABLE IN MY STATE?

Plan types offered

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


NAIC complaint rate

Close to expected


Premium discounts available

Average

IS THIS PROVIDER AVAILABLE IN MY STATE?

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.
  • Cheaper Medicare Select plans have network requirements.

Why we picked it: There’s at least one Blue Cross Blue Shield company serving every state, so it could be worth seeing how Blue Cross Blue Shield plans available in your location stack up to plans from other top companies’ in terms of plan type offerings, pricing and discounts.

Service area: 50 states and Washington, D.C

Blue Cross Blue Shield. BCBS Companies and Licensees. Accessed Dec 2, 2024.
.

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.

Cheaper Medicare Select plans have network requirements.

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 Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2024-2025: 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

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.

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.

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.