Medicare supplement plans, also known as Medigap plans, are sold through private insurance companies to cover gaps in your Medicare coverage. While choosing the right Medigap plan for you may feel daunting, it’s helpful to note that these plans are standardized across most states. This means that despite the variety of supplemental insurance companies, the benefits attached to those plans will always be constant. While the benefits remain constant, however, the rates and customer experience can differ across private insurance companies.
What To Look For In The Best Medigap Companies
When looking for the best Medicare supplemental insurance company for you, you’ll want to consider things like the company’s financial security, insurance premiums, rate increase history, customer service quality, and overall reputation. You’ll also want to know if they offer the specific plan you’re looking for and operate in the state in which you live.
Top 11 Companies
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Here are some of the most reputable supplemental insurance companies on the market today. We hope this information helps you pick the right company for your needs. If you need further assistance, you can schedule an agent call or complete a brief survey to receive a FREE Medigap premium comparison report for your area and preferred plans.
* NOTE: The following is not a complete list of all supplemental insurance companies. Your comparison report will be tailored to your specific plan and area. We work to recommend the best companies and premiums for your specific needs.
United Healthcare (AARP)
United Health Care (AARP) is perhaps the most widely known Medigap insurance company, offering some of the most popular Medigap plans in the country. When it comes to rates, they tend to be more middle-of-the-road to expensive. Their unique United Healthcare Medicare Supplement plans are available exclusively to AARP members.
Plans offered: A, B, C, F, G, K, L, N
Mutual of Omaha
Mutual of Omaha has handled the Medicare system since the beginning, and has extensive experience with Medigap plans. Mutual of Omaha comprises subsidiary companies like United of Omaha, and currently has an AA-rating by A.M. Best. They offer several benefits including a 12 percent household discount, no policy fees, guaranteed renewable and a 30-day look period. They’re known for the unique and exclusive benefits they offer to their customers.
Plans offered: A, F, G, N
CSI
CSI Life Insurance Co is a member of the Berkshire Hathaway Insurance Group and has excellent nancial strength with an A.M. Best A+ Superior rating. For over 30 years CSI is known for its competitive Medigap plans, o ered in 48 states and is recognized as a trusted insurer for seniors looking for the right policy. CSI also o ers a household premium discount of 7% and the best part is…you don’t have to be married, just living with someone over the age of 50 for at least 12 mo quali es you for the premium reduction! (**may vary by state).
Plans offered: A, F, G, N
CSO
CSO or Central States Health & Life Co of Omaha has over 85 years of experience in the insurance business, CSO di erentiates themselves by extending superior service and products. They strive to be the provider of choice with their motto: “To Care is to Grow” being the guiding philosophy behind their business. AM Best awarded them with a nancial strength rating of A- (Excellent) in 2020. CSO Medigap plans o er a household premium discount of 7% and the best part is…you don’t have to be married, just living with someone over the age of 50 for at least 12 mo quali es you for the premium reduction! (**may vary by state)
Plans offered: A, D, F, N
Manhattan Life
Manhattan Life is one of the country’s oldest insurance companies—standing by you since 1850. They received an A+ rating by the Better Business Bureau BBB, a B+ by AM Best, and rated “exceptional” for nancial stability. A trusted provider of Medicare Supplement plans, o ering a household premium discount of 7% for spouses. (**may vary by state) Their rates are quite competitive. And of course, the policies are guaranteed renewable with a 30-day “free look” period. They also o er additional coverage you can add, like dental, vision and hearing. Licensed in all 50 states, even including Puerto Rico!
Plans offered: A, C, F, G, N
Aetna
Aetna has been in the Medicare supplement business for over a decade, and has an A rating with A.M. Best. Aetna offers discounts for fitness programs, as well as a household discount, which can lower your premiums. Their program also has a 12-month rate lock and 30-day free look period.
Plans offered: A, B, C*, F, G, N
* Plan C available in Michigan only
CVS Health | Accendo
Accendo Insurance Company is part of the CVS Health family of companies and Aetna affiliate. They are community-based and locally focused, engaging consumers with the care they need when and where they need it. CVS Health is the nation’s premier health innovation company; their health care model increases access to quality care, delivers better health outcomes and lowers overall costs. Offering competitive rates with a 12-month rate guarantee, 30-day “free look” period, freedom to choose your doctors and it’s portable, so if you move across the country you can take your policy with you!
Plans offered: A, F, G, N
Cigna
Cigna is a good all-around insurance company, covering over 15 million customers around the world with health and life insurance, as well as supplemental insurance. Cigna prides itself on its quality customer service. They are quick to process claims and answer questions. With its A.M. Best A rating, Cigna offers highly competitive rates and a variety of plans. This is a reputable company to start your search.
Plans offered: A, F, G, N
BCBS
Blue Cross Blue Shield is one of the nation’s leading insurance companies, covering nearly one in three Americans and offering more supplemental insurance plan options than mostly every other provider. With BCBS’s model, the state you live in will impact which options are available to you. Each state has a BCBS-specific site that will outline the supplemental policies available to you.
Plans offered: A, F, G, N
Philadelphia American Life / New Era
New Era offers the most popular Medigap plans (F, G and N) through its subsidiaries. Its subsidiaries include New Era Life Insurance Company, Philadelphia American Life Insurance Company, and New Era Life Insurance Company of the Midwest. New Era also offers several benefits to customers, including a 30-day free look period and guaranteed renewable for life.
Plans offered: F, G, N
Liberty Bankers Life Insurance Co
Liberty Bankers offers life insurance in 46 states though its main company and two wholly owned subsidiaries, Capitol Life (CLIC) and American Benefit Life (ABL). Medicare supplement plans are also available.
Plans offered: A, F, G, N
Compare Medigap Premiums For FREE
Compare Medigap Insurance makes it easy to find the best Medicare supplement policies at the most affordable rates. After filling out a brief survey, you can get a free, personalized report to compare Medigap insurances companies by rate, plans, and coverage. Your FREE report allows you to see all of your options for companies serving your area and specific needs. You’ll have all the information you need to help you select the best Medicare supplemental insurance plan.