Best Medicare Supplement Plan G Companies in 2024-2025

Check out the best options for Medicare Supplement Plan G based on pricing, customer satisfaction and added benefits.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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

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 — $240 in 2024 ($257 in 2025) — so Plan G doesn’t cover that cost

Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Accessed Aug 1, 2024.
.)

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 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.

Best Medicare Supplement Plan G companies

NerdWallet compares Medicare Supplement Insurance companies based on plan availability, member satisfaction, pricing, extra perks, state footprint and more.

Best overall: AARP/UnitedHealthcare

Advertisement
AARP/UnitedHealthcare Medigap - UHC (tables)

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.

(844) 939-0223 / 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.

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.

Best for additional coverage options: Anthem

Anthem Medigap

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.

(855) 432-0512 / TTY 711

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed above.

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.

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

Anthem. Anthem Extras Packages. Accessed Aug 1, 2024.
.

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

Mutual of Omaha Medigap

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) 432-0512 / TTY 711

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed above.

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.

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

Mutual of Omaha Corporate Communications. Email Confirmation. Accessed Feb 9, 2024.
.

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 have reasonably competitive pricing. The pricing gets even better for applicants who qualify for a household discount of up to 12% (terms and discount levels can vary by location)

Mutual of Omaha. Medicare Solutions Product Portfolio. Accessed Aug 1, 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 other plan types.

Honorable mention: Blue Cross Blue Shield

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.

(855) 432-0512 / TTY 711

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed above.

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.

Service area: 50 states and Washington, D.C.

Blue Cross Blue Shield. BCBS Companies and Licensees. Accessed Aug 1, 2024.
.

Why we like it: Blue Cross Blue Shield licensees offer Medigap policies everywhere in the country. Broadly speaking, BCBS companies offer competitive prices and have roughly average complaint rates — but because different BCBS companies serve different locations, pricing, perks and member experience can vary. It’s worth looking at the Blue Cross Blue Shield options in your area to see how their Plan G offerings compare to other top companies.

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’s the best company for Medicare Supplement Plan G?

"NerdWallet's top picks for Medigap Plan G in 2024-2025 include AARP/UnitedHealthcare, Mutual of Omaha, Anthem and Blue Cross Blue Shield. 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."

Alex Rosenberg, lead writer covering Medicare

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:

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.