How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Medigap plans are standardized by letter, so Plan G from one carrier covers the same basic benefits as Plan G from another in most states.
- UnitedHealthcare, Mutual of Omaha, and Aetna are the largest and most widely available Medigap carriers in the US.
- Premiums vary by state, age, and rating method, so the cheapest carrier in one state may be expensive in another.
- Compare the monthly premium, rate increase history, and household discounts, not just the brand name.
Quick comparison
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The best Medigap insurance companies
Starting priceSee website
Free planNo
UnitedHealthcare is the largest Medigap carrier in the US, selling AARP-branded Medicare Supplement plans alongside its broader health insurance lineup. Its homepage covers plans for every stage of life, member tools such as the UnitedHealthcare app for ID cards and benefits, and wellness and rewards programs for meeting health goals. Scale is the advantage: availability in nearly every state, large provider acceptance, and deep Medicare experience.
Premiums vary widely by state, age, and plan letter, so a quote in one state says nothing about another. Some buyers dislike the AARP branding tie-in, though membership is not a coverage requirement in the usual sense. For the widest availability and a carrier unlikely to exit your market, UnitedHealthcare is the safest default shortlist pick.
What we like- Largest Medigap carrier with AARP-branded plans
- Wide national availability
- Member app and wellness programs
Watch out for- Premiums vary widely by state
- AARP membership tie-in may not suit everyone
Starting priceSee website
Free planNo
Mutual of Omaha's homepage features Medicare Supplement insurance prominently, underwritten by Mutual of Omaha Insurance Company, with a self-service portal for billing, payments, policy details, and Medicare Supplement claims. The company has a long history in life insurance and Medicare products, and its service reputation is consistently strong in buyer surveys.
Mutual of Omaha suits buyers who value a stable, well-known carrier and are comfortable buying through an agent or by phone. Premiums vary by state and rating method, and online-first buyers may find the agent-focused process slower than competitors with fuller digital quoting. For service quality and stability, Mutual of Omaha belongs on every Medigap shortlist.
What we like- Medicare Supplement plans underwritten by Mutual of Omaha Insurance Company
- Long company history
- Self-service portal for claims and billing
Watch out for- Premiums vary by state
- Agent-focused sales may not suit online-first buyers
Starting priceSee website
Free planNo
Aetna, part of CVS Health, offers Medicare plans alongside individual, family, employer, dental, and provider products. Its homepage routes first-time visitors by audience, including a Medicare path for exploring plans with added benefits and services, and notes that Aetna is the brand name for products from Aetna Life Insurance Company and its affiliates. The CVS connection adds pharmacy and MinuteClinic touchpoints that some Medicare members value.
Plan availability varies by state, and the homepage itself is thin on Medigap specifics, so get a state-specific quote and outline of coverage before deciding. Aetna also administers Aflac's Medicare Supplement coverage, which shows its scale in this market. For a broad Medicare lineup from a major carrier, Aetna is a solid choice.
What we like- Medicare plans alongside a full health insurance lineup
- CVS Health backing
- Producer and member tools
Watch out for- Plan availability varies by state
- Homepage content is thin on Medigap specifics
Starting priceSee website
Free planNo
Cigna Healthcare offers health insurance and dental plans through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. Its homepage notes $0 virtual care for eligible preventive care and dedicated virtual urgent care for minor conditions, plus $0 preventive care by plan, though availability varies by plan and state. The site is upfront that product availability varies by location and plan type and that policies contain exclusions and limitations.
Cigna suits buyers who want a national carrier with virtual care options and are willing to confirm state availability. The homepage content is thin on Medigap plan letters, so request the outline of coverage for your state. For a national alternative to UnitedHealthcare and Aetna, Cigna is worth quoting.
What we like- National carrier with health and dental plans
- Virtual care options
- Clear solicitation and state-variation disclosures
Watch out for- Homepage content is thin
- Product availability varies by location and plan type
Starting priceSee website
Free planNo
Humana is a Medicare-focused carrier, and its homepage centers on Medicare plan shopping, noting that open enrollment runs through December 7 and that 2026 Medicare plans can be shopped by ZIP code. Members get 24/7 online access through MyHumana for claims, benefits, and provider search, plus member programs such as SilverSneakers and discounts on some plans, and Part D drug coverage checks.
Humana's strength is Medicare service depth, but Medigap availability varies by state, and its Medicare Advantage marketing can overshadow supplement options, so specify that you want a Medicare Supplement quote. For buyers who want a Medicare specialist with strong member tools, Humana is a strong contender.
What we like- Medicare-focused carrier with open enrollment shopping tools
- MyHumana member portal
- SilverSneakers and member discounts on some plans
Watch out for- Medigap availability varies by state
- Medicare Advantage marketing may overshadow supplement options
Starting priceSee website
Free planNo
Blue Cross and Blue Shield is a nationwide brand, but Medigap plans are sold by independent state BCBS companies, not by the national association itself. The national homepage covers open enrollment, affordability, and health policy, and notes a commitment to making health insurance easy, affordable, and attainable. The practical effect is that your experience depends on your state's BCBS company, its network, and its rates.
That structure is both a strength and a weakness: local BCBS companies often have the deepest provider networks in their states, but quality, service, and price vary from state to state. Use the national site to find your state company, then get a state-specific Medigap quote. For buyers who value local network depth, their state BCBS company deserves a quote.
What we like- Nationwide BCBS brand with state companies
- Strong provider networks
- Open enrollment resources
Watch out for- Plans are sold by independent state companies, so quality and price vary
- National site does not quote Medigap directly
Starting priceSee website
Free planNo
Aflac is best known for supplemental insurance, and its homepage confirms a Medicare Supplement insurance policy series, AFLMS, with state-specific variants for Idaho, Oklahoma, and Virginia. The fine print states that Aflac Medicare Supplement insurance is not connected with or endorsed by the US government or the federal Medicare program, that benefits are based on Medicare-eligible expenses, that coverage is underwritten by Tier One Insurance Company, and that it is administered by Aetna Life Insurance Company.
Aflac suits buyers who already know the brand from supplemental coverage and want a straightforward supplement policy. Availability varies by state, and Aflac's Medicare breadth is narrower than UnitedHealthcare or Humana. For a supplemental specialist with a confirmed Medigap offering, Aflac is a legitimate option.
What we like- Medicare Supplement policy series AFLMS confirmed on homepage
- Underwritten by Tier One Insurance Company
- Administered by Aetna
Watch out for- Availability varies by state
- Supplemental focus means less Medicare breadth than larger carriers
Starting priceSee website
Free planNo
Globe Life Insurance offers life, accident, and supplemental health insurance, and its homepage explicitly lists Medicare Supplement insurance to help pay for out-of-pocket costs not covered by Medicare. The company emphasizes simple Yes/No applications in everyday language, with purchase options online, by mail, by phone, or through licensed agents, and reports more than a century of serving working families.
Globe Life suits buyers who want a simple application process and flexible buying channels. Its Medicare footprint is smaller than the top carriers, so plan availability and pricing need a state-specific check. For straightforward supplement coverage from a long-running carrier, Globe Life rounds out this list well.
What we like- Medicare Supplement explicitly listed on homepage
- Simple Yes/No applications
- Buy online, by mail, by phone, or through an agent
Watch out for- Smaller Medicare footprint than top carriers
- Supplemental focus limits broader Medicare options
How we chose
We compared carrier size, state availability, plan letter range, rate stability reputation, discounts, and service quality, and we opened every homepage listed here to confirm it loads and belongs to the product. We dropped Transamerica because its homepage did not confirm a Medigap offering, and we replaced it with Globe Life, whose homepage explicitly lists Medicare Supplement insurance. We also note that globelife.com is an unrelated hair-fashion site, not the insurer, so we list the correct domain, globelifeinsurance.com.
Medigap buying guide
This article is educational only and is not insurance advice. Medigap, also called Medicare Supplement insurance, helps pay out-of-pocket costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles. Plan letters are standardized in most states, so the core benefits of Plan G are the same regardless of carrier, which makes price and service the real comparison points. Talk with a licensed insurance agent or your State Health Insurance Assistance Program for advice on your situation.
Plan letters and enrollment timing
The most popular letters are Plan G and Plan N, with Plan F closed to people who became Medicare-eligible after January 1, 2020. Your Medigap Open Enrollment Period lasts six months from the month you turn 65 and enroll in Part B, and during that window carriers cannot deny you or charge more for pre-existing conditions. Outside that window, underwriting may apply in most states, so timing matters as much as carrier choice.
Price, discounts, and rate increases
Premiums vary by state, age, gender, tobacco use, and rating method: community-rated, issue-age-rated, or attained-age-rated plans change differently over time. Ask about household discounts, which some carriers offer when both spouses enroll, and ask for the carrier's recent rate increase history in your state. The cheapest premium today is not always cheapest in five years, so weigh the rating method alongside the starting price.
Frequently asked questions
What is Medigap insurance?
Medigap is Medicare Supplement insurance sold by private companies to help pay costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles. It works alongside Original Medicare, not instead of it.
Are Medigap plans the same across companies?
In most states, yes for core benefits: Plan G from one carrier covers the same basic benefits as Plan G from another. Premiums, discounts, and service differ, which is why comparing carriers matters even though benefits are standardized.
When can I enroll in Medigap without underwriting?
During your six-month Medigap Open Enrollment Period, which starts the month you turn 65 and enroll in Medicare Part B. During that window, carriers cannot deny coverage or charge more because of pre-existing conditions.
What is the most popular Medigap plan?
Plan G is the most popular choice for new enrollees, since it covers nearly all out-of-pocket costs except the Part B deductible. Plan N is a lower-premium alternative with some copayments.
Does Medigap cover prescription drugs?
No, Medigap does not cover prescription drugs. Pair it with a separate Medicare Part D prescription drug plan if you need drug coverage.
Is this article insurance advice?
No. This article compares carriers and plan features for education only. For advice on your situation, talk with a licensed insurance agent or your State Health Insurance Assistance Program.
Sources we checked (8)
- https://www.uhc.com
- https://www.mutualofomaha.com
- https://www.aetna.com
- https://www.cigna.com
- https://www.humana.com
- https://www.bcbs.com
- https://www.aflac.com
- https://www.globelifeinsurance.com
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.
UnitedHealthcare
Mutual of Omaha
Aetna
Cigna
Humana
Blue Cross Blue Shield
Aflac
Globe Life