Original Medicare doesn’t pick up all costs for care, but Medicare supplemental plans can help bridge that gap. There are 10 different Medigap policies, but what’s the best Medigap company offering coverage?
We analyzed Medigap companies, including data on where plans are offered, how many plans and additional benefits are offered, and each company’s financial health to find the best Medicare supplement providers.
Compare And Find The Best Medicare Supplement Insurance Plan
Choose from ten standardized Medicare supplement plan options
Compare the benefits offered by each type of plan online
1,500 licensed agents, all based in the USA
- Choose from ten standardized Medicare supplement plan options
- Compare the benefits offered by each type of plan online
- 1,500 licensed agents, all based in the USA
- Call to speak to a licensed insurance agent to help find the best Medicare plan for your needs
Summary: Compare the Best Medicare Supplement Providers for 2025
Best Medicare Supplement Providers
Best Nationwide Coverage
Blue Cross Blue Shield
Company Better Business Bureau (BBB) rating
A+ (based on more than 80 reviews)
Medigap plans offered
Offers 10 types of Medigap plans (A, B, C, D, F, G, K, L, M, N)
A+ (based on more than 80 reviews)
Offers 10 types of Medigap plans (A, B, C, D, F, G, K, L, M, N)
Blue Cross Blue Shield Association (BCBS) is a collection of 34 independent and locally operated companies, which means its health insurance coverage options vary by state (including Washington, D.C., and Puerto Rico). BCBS offers every type of Medigap plan in at least one location across the country. Various BCBS Medicare Supplement policies include benefits beyond what’s required of Medigap plans, such as fitness memberships.
- Received an A rating from A.M. Best in 2024, proving financial sustainability
- Coverage available in all 50 states, Washington, D.C., and Puerto Rico
- One of the larger national providers of Medicare Supplement plans
- Customer experience can be inconsistent from one BCBS company to another
- All types of Medigap plans aren’t available in every area
- Some policies offer reimbursement for qualifying weight loss programs
- Some BCBS companies offer Medicare Select versions of policies (providing full insurance benefits for in-network care) in addition to standard versions
- Policies can include additional benefits beyond what regulations require
Best Additional Plan Benefits
Humana
Company Better Business Bureau (BBB) rating
A+ (based on more than 340 reviews)
Medigap Plans offered
Offers 10 types of Medigap plans (A, B, C, F, F+, G, G+, K, L, N)
A+ (based on more than 340 reviews)
Offers 10 types of Medigap plans (A, B, C, F, F+, G, G+, K, L, N)
Humana is one of the largest health insurance providers in the U.S. and provides Medicare Supplement plans in most states, plus Washington, D.C., and Puerto Rico. In addition to its broad Medigap plan offering, Humana provides plenty of plan perks. Its premium prices tend to be higher than competitors, but Humana provides a 6% discount on monthly premiums when beneficiaries enroll in a plan online (with the exception of those who reside in California, Connecticut, Pennsylvania and Ohio).
- Received an A rating from A.M. Best in 2024, proving financial sustainability
- Maintains a history of stable premiums
- Humana’s additional insurance coverage reaches beyond what’s required of Medicare Supplement
- Most policyholders have access to add-on programs and services (although availability varies by plan and state)
- Competitive pricing model may drive costs up for certain individuals
- Website doesn’t provide information on additional plan benefits beyond what’s required by CMS without submitting personal information first
- Dental and vision benefits available
- Offers SilverSneakers fitness membership, meal delivery via its Well Dine program and 24/7 call access to a registered nurse
Best Membership Perks
AARP by UnitedHealthcare
Company Better Business Bureau (BBB) rating
D (based on more than 1,400 reviews)
Medigap Plans offered
Offers nine types of Medigap plans (A, B, C, D, F, G, K, L, N)
D (based on more than 1,400 reviews)
Offers nine types of Medigap plans (A, B, C, D, F, G, K, L, N)
AARP isn’t an insurance company, but it partners with UnitedHealthcare—the largest insurer in the nation that covers over 51 million people in all 50 states, Washington, D.C., and most U.S. territories—to provide Medicare Supplement plans. Together, they offer Medicare Supplement plans enriched by AARP-specific perks and discounts to over 4 million U.S. adults.
- A+ rating from A.M. Best in 2024, proving financial sustainability
- Competitively priced benefits, such as discount dental, hearing and vision programs, which include discounts on eyeglasses and hearing aids
- Offers an online program for supporting cognitive health, as well as a driver safety program via the AARP Smart Driver course.
- Difficult to find general information on website without submitting personal information first
- Certain plans specifically come with higher out-of-pocket costs in exchange for lower premium rates
- AARP membership required to purchase a plan
- Policies can include additional benefits beyond what regulations require
Best Plan Variety
Mutual of Omaha
Company Better Business Bureau (BBB) rating
A+ (based on 80 reviews)
Medigap Plans offered
Offers 10 types of Medigap plans (F, F+, G, G+, N, A, B, C, D, M)
A+ (based on 80 reviews)
Offers 10 types of Medigap plans (F, F+, G, G+, N, A, B, C, D, M)
Mutual of Omaha offers nationwide coverage for an extensive variety of Medicare Supplement plans, including high-deductible plan offerings. The company also offers low-premium plans and claims a standard response time of within 24 hours for 99% of claims filed.
- A+ rating from A.M. Best in 2024, proving financial sustainability
- One of the larger national providers of Medicare Supplement plans
- Offers 15% discount on monthly dental insurance premiums when customers bundle dental insurance policies with their Medicare Supplement plans
- Interested customers must enter their personal information to receive plan recommendations
- All types of Medigap plans aren’t available in every area
- Offers hearing and vision care benefits with some plans, including discounts on eye exams and frames, as well as hearing tests and hearing aids
- Provides Mutually Well program, which provides access to fitness centers and gyms for $29.99 a month, personalized weekly wellness plans via the Mutually Well App and discounts on health and wellness products and services like massage therapy, acupuncture and more
Best Financial Reputation
Aetna
Company Better Business Bureau (BBB) rating
A+ (based on more than 355 reviews)
Medigap Plans offered
Offers seven types of Medigap plans (A, B, D, G+, N, C, F+)
A+ (based on more than 355 reviews)
Offers seven types of Medigap plans (A, B, D, G+, N, C, F+)
Aetna, which is a CVS Health company, offers its customers competitively priced Medicare Supplement plan coverage, including high-deductible options for eligible customers. The company offers seven Medicare Supplement plans though certain plans, such as Plan F+, are only available to customers who enrolled in Medicare prior to January 2020. Like most insurers on this list, Aetna Medicare Supplement plan availability varies depending on the state in which an individual lives.
- A+ rating from A.M. Best in 2024
- Quotes available online, as well as educational articles for interested individuals
- Good nationwide coverage despite smaller market share compared to competitors
- Straightforward plan information available directly on company website
- Limited plan information available on company website
- Plans not available in Massachusetts or Washington
- Fewer discounts and health and wellness perks than competing insurers
- Coverage available in 48 states and Washington, D.C.
- Policies can include additional benefits beyond what regulations require
- Customer support available seven days a week
What Is Medicare Supplement?
Medicare Supplement, also called Medigap, is offered by private insurers to help pay for what’s not covered by Original Medicare. Original Medicare is offered by the federal government and covers care in hospitals (Part A) and by providers, as well as outpatient care (Part B).
Medigap is only available to those with Original Medicare. People with Medicare Advantage are not eligible for Medicare Supplement. Medicare Advantage is offered by private health insurers.
About 40% of people with an Original Medicare plan have a Medigap policy, according to KFF. Plan G is the largest plan, with 39% of Medigap policyholders having a Plan G policy.
Find Top Medicare Supplement Plans at Healthcare.com
Coverage
Helps pay the 20% that Original Medicare doesn’t cover
Coinsurance
Pays 100% of Part A and Part B coinsurance
Availability
Available in all 50 states
Helps pay the 20% that Original Medicare doesn’t cover
Pays 100% of Part A and Part B coinsurance
Available in all 50 states
What Does It Cover?
Medigap plans offer supplemental coverage that helps pay for Original Medicare costs, including copays, deductibles and coinsurance:
- A copay is what you pay at the time of service, such as at a doctor’s office, urgent care center or emergency room.
- A deductible is the annual amount you must pay before Medicare begins picking up the cost of care. The Part A deductible is $1,676 and the Part B deductible is $257.
- Coinsurance is the percentage you must pay for health care services after you reach your deductible.
Some Medigap plans may also help pay for care outside of the U.S.
What Does Medigap Not Cover?
Medigap won’t help pay for everything. Here’s what a standard Medicare Supplement plan likely won’t cover:
- Dental care
- Glasses
- Long-term care
- Prescription drugs (you can buy a separate Part D plan for that coverage instead)
- Private nursing
- Vision care
Medicare Supplement Comparison Chart
There are 10 different types of standardized Medigap plans (A-N). Plans C and F are no longer available to people who are new to Medicare. Here’s a look at how Medicare Supplement plans differ.
10 Standardized Medigap Plans
| Medigap Plan Benefits | Plan A | Plan B | Plan C | Plan D | Plan F* | Plan G* | Plan K** | Plan L** | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part Acoinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part Bcoinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%*** |
| Blood(first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part Ahospice carecoinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility (SNF) care coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part Bdeductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charge | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel coverage (up to limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Out of pocket limit | N/A | N/A | N/A | N/A | N/A | N/A | $7,220 | $3,610 | N/A | N/A |
**Plans K and L pay 100% of covered services for the rest of the calendar year after you meet your out-of-pocket limit and your Part B deductible.
***Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't require hospital admission.
How Much Do Medicare Supplement Plans Cost?
Medigap plans cost between $32 and $550 per month on average. That’s a huge variation, so it’s hard to say exactly what you would pay for a plan.
A high-deductible Medigap plan—like Part F or G—may cost you a little over $30 monthly, while a Plan G plan may cost as much as $500 monthly. Meanwhile, Medigap Plan A may give you a cheaper rate for the same coverage as another company but at lower costs based on your age and location.
Here’s what may influence Medigap costs:
- Age
- Insurance company
- Location
- Plan type
- Tobacco use
- Underwriting process
A plan may charge you based on your age when the Medigap policy was first issued, which is called “issue-age rating,” your current age, which is called “attained-age rating,” or it can decide not to base premiums on age, which is called “community rating.”
Here’s an example of the different average costs by plan. This is for a person living in North Carolina.
Note: Medicare Supplement C, F, and F high deductible plans are no longer available to buy if you turned 65 on or after January 1, 2020. They may also be unavailable to some people under age 65, too.
How To Choose the Best Medicare Supplement Plan for You
When picking a Medigap plan, you’ll want to consider a few factors:
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How To Sign Up for Medicare Supplement Plans
You can buy Medigap at any time through an insurance company or an agent. There is no annual open enrollment for Medicare Supplement plans like other types of Medicare.
Here’s what to do to enroll in Medicare Supplement:
| Step | What to do |
|---|---|
| Enroll in Medicare Part A and Part B | Only people with Original Medicare are eligible for Medigap, so you need to sign up for Parts A and B first. |
| Find Medigap companies in your state | Visit to find your options. |
| Compare costs | Costs vary by company, state and other factors, so it’s best to compare companies offering the same Medigap plans. |
| Compare expanded benefits | Some Medigap plans cover services that are not standard in other plans, so it’s wise to understand exactly what the Medigap plan covers before buying. |
| Select a Medigap plan | Choose a plan that works best for your situation. |
Methodology: How We Picked the Best Medicare Supplement Providers of 2025
To determine the best Medicare Supplement providers of 2025, Forbes Advisor evaluated all insurance companies that offer plans nationwide in terms of:
- How many states in which they provide coverage
- The number of Medigap plan types they offer
- Whether they offer Part D (prescription drug) coverage specifically
- Whether they can provide additional coverage beyond what’s required of Medigap plans by federal regulations
- A.M. Best rankings in terms of financial health (which impacts how reliable an insurer is when it comes to paying claims)
- J.D. Power rankings in terms of consumer feedback
We focused exclusively on providing general summaries of the companies, their range of insurance products and their reputations. In order to provide specific plan recommendations accurately, it’s important to take into account the ZIP code and demographic details of the individual seeking insurance coverage. To do so, we recommend using Medicare.gov’s plan finder tool or seeking the expertise of an independent, agnostic insurance agent.
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Best Medicare Supplement Frequently Asked Questions (FAQs)
Do Medigap plans cover dental, vision or prescription drugs?
Medigap plans don’t usually cover costs related to dental, vision or prescription drugs, but there are exceptions. You can buy a separate Part D prescription drug plan to help pay for prescriptions. Original Medicare (Parts A and B) doesn’t generally cover prescription drug costs.
When is the best time to enroll in a Medigap plan?
The best time to buy a Medigap plan is during the initial Medicare Supplement open enrollment, which is the six-month period from when you become eligible for Medicare. If you sign up for Parts A and B for Original Medicare at that time, you can get Medicare Supplement coverage, and you may also want to buy Part D for prescription drug coverage. You can’t be denied for Medigap coverage during that initial sign-up period.
If you wait until after that period to buy the supplemental insurance, Medigap companies can deny you coverage or charge you much higher rates based on your preexisting conditions, so it’s wise to buy Medicare Supplement coverage when you first become eligible if you want that coverage.
How does Medicare Supplement differ from Medicare Advantage?
When comparing Medicare Supplement vs. Medicare Advantage, the first thing to know is that both are offered by private insurance companies. They’re otherwise very different from each other.
Medicare Supplement is only available to people with Original Medicare and helps offset costs not covered by Medicare. Medicare Advantage is an alternative to Original Medicare that may also cover other benefits not found in Original Medicare, like dental, hearing, vision and prescription drugs. People eligible for Medicare choose between Original Medicare and Medicare Advantage coverage.
