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Best Medicare Supplement Plans: 2021’s Best Medigap Providers Ranked

If you’ve ever used Medicare, then you know the federal program doesn’t cover everything. Costs such as medical treatment abroad and excess charges can slip through the cracks, and that’s where Medigap insurance policies come in. As its name suggests, it covers the gaps in Medicare, such as copayments, coinsurance, and even deductibles. Many insurers offer Medigap policies, but these providers are our favorites.
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Medicare, which currently insures over 61 million Americans, generally covers inpatient care, skilled nursing facility care, hospice care, at-home care, medical equipment, ambulance services, and mental health care.

There are some gaps in Medicare insurance, however. For example, it won’t cover copays or coinsurance, deductibles, or emergency care while traveling abroad. I always recommend purchasing a Medigap policy to fill those gaps. Here are some of the best options out there.

Pro Tip: Are you new to the world of Medicare supplemental insurance? Take a look at our guide –– What Is Medigap? ––to learn about eligibility, enrollment dates, and types of coverage.

Best Medicare Supplement Plans

How We Chose the Best Medigap Providers

Since Medigap policies are federally regulated, the actual coverage you receive will be identical from company to company. For example, a Medigap Plan C from Cigna will offer the same benefits as Aetna’s Plan C. The companies listed below, however, provide some additional services that help them rise above hundreds of other Medigap providers.

Here’s what we looked for:

Best Medigap Providers Pricing

The coverage of a Medigap plan will be the same regardless of the provider, but the premiums will vary. The exact premiums may change based on your age, location, and overall health, but this chart offers a general overview.

Medigap Premium Comparison*

Plan A Premium Plan F Premium
Cigna $131.16 $187.02
Aetna $111.21 $175.68
Mutual of Omaha $95.42 $152.50
ManhattanLife $92.17 $144.42
AARP/UnitedHealthcare $75.71 $166.32
Colonial Penn $94.12 $148.78
Anthem Blue Cross Blue Shield $212.29 $240.09
Humana $171.86 $233.17

*The listed premiums are based on a 70-year-old nonsmoking woman living in Kentucky.

Best Medicare Supplement Insurance Plans in 2021

1. Aetna Medicare Supplement Plans - Best Overall Plans

Aetna Logo
4.6 / 5
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Call for best price:
(855) 908-2871
What We Like Most:
  • Five plans to choose from
  • Additional benefits for plan members
  • No network restrictions
  • Keep your coverage even if you move

Overview

Aetna dates back to the 1800s, when it was known as Aetna Fire Insurance. Aetna now offers private health insurance, Medigap plans, dental coverage, and prescription-drug plans to more than 22 million members in 42 states. Best of all, Aetna policies are portable, so you won’t have to change your Medigap policy if you move to another state.

Available Plans
Aetna Medicare Supplement plans include A, B, C, D, F, High-Deductible F, G, High-Deductible G, and N.

Network Restrictions
Your Aetna plan is good for any provider who accepts Medicare.

Extra Benefits
With Aetna, your Medigap plan is guaranteed for renewal even if your health changes. You can also receive discounts by purchasing multiple insurance plans. Aetna offers two helpful apps: Aetna Health, which helps you keep track of your account and coverage, and Attain by Aetna, a lifestyle app that helps you maintain your health.

To get started with Aetna, visit the company’s website to learn about the policies offered in your area and receive a free quote in a matter of minutes.

Pros
  • Range of plans available
  • Extra perks for members
  • No network restrictions
  • Stand-alone dental and prescription plans
Cons
  • Cumbersome website

2. Mutual of Omaha Medigap Plans - Best Customer Service

Mutual of Omaha logo
4.6 / 5
View Packages
Call for best price:
(855) 908-2871
What We Like Most:
  • Wide range of plans
  • 12% spouse discount
  • Prescription-drug and dental options
  • No network restrictions

Overview

Offering affordable coverage without network restrictions, Mutual of Omaha is a solid choice for a number of Medigap plans. In our experience, its team is super quick with processing claims, allowing them to provide a great customer experience.

Available Plans
Mutual of Omaha Medicare Supplement plans include A, B, C, D, F, G, K, L, M, and N.

Network Restrictions
Your Mutual of Omaha insurance is good wherever Medicare is accepted.

Extra Benefits
With Mutual of Omaha, your Medigap plan is guaranteed for as long as you keep paying your premiums. It also offers one of the biggest household discounts we’ve seen, shaving between 7-12 percent off your monthly premium for eligible policyholders.

Mutual of Omaha makes it easy to get the coverage you need, whether you’re looking for a plan that covers all (or nearly all) eventualities with few out-of-pocket expenses or a backup plan for unexpected health problems.

Pros
  • Prescription-drug and dental options
  • No network restrictions
  • Dedicated helpline
  • High-deductible options
Cons
  • Not available in Massachusetts

3. Cigna Medicare Supplement Insurance Plans - Best Nationwide Options

Cigna dental saving plans for seniors.
4.7 / 5
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Call for best price:
(855) 908-2871
What We Like Most:
  • Large range of plans
  • Coverage for people with preexisting conditions
  • Foreign travel emergency coverage available
  • Skilled nursing facility coinsurance available

Overview

Cigna was formed in Philadelphia in 1972 as the Insurance Company of North America. It now serves customers in more than 30 countries, offering health insurance, dental insurance, and, of course, Medigap policies. One of the great things about Cigna is that it often provides coverage for people with preexisting conditions.

Available Plans
Cigna offers Medigap Plans F, High-Deductible F, G, N, and A.

Network Restrictions
Your insurance is good for any doctor who accepts Medicare.

Extra Benefits
With Cigna Medigap plans, you can take advantage of savings on a range of health and wellness programs. You can often save on premiums if more than one person in your household enrolls in a Medigap plan. Cigna’s policies are guaranteed renewable for life, which means your coverage won’t get canceled because of a downturn in your health.

Cigna Medicare Supplement plans are straightforward, and its website has a wealth of information to help you make informed choices. You can also receive a free quote through the company’s website or customer service line.

Pros
  • 24/7 customer service line
  • Household discounts
  • Easy-to-understand policies
  • Coverage in most states
Cons
  • Relatively few plan options

4. ManhattanLife Medicare Supplement Plans - Lowest Premiums

ManhattanLife Logo
4.0 / 5
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Call for best price:
(855) 908-2871
What We Like Most:
  • Highly competitive premiums
  • 7% household discount
  • Relaxed underwriting
  • Bundled plans available

Overview

ManhattanLife is one of the oldest privately-owned insurance companies, having insured Americans since 1850. Its Medigap policies also offer some of the lowest premiums we’ve seen from any company.

Available Plans
ManhattanLife Medicare Supplement plans include A, C, F, G, and N.

Network Restrictions
ManhattanLife Medigap policies have no network restrictions, so you can see the doctor of your choice.

Extra Benefits
ManhattanLife offers a 7 percent household discount for multiple policyholders. It also allows you to bundle vision, dental, and even hearing coverage with Medigap for added savings. If you don’t have diabetes or use tobacco, a ManhattanLife policy will likely be your cheapest option.

Pros
  • Vision and dental coverage available
  • Five plans offered
  • Free and quick quote process
  • Choose your own provider
Cons
  • No online quoting

5. AARP Medicare Supplement Insurance Plans - Best Educational Resources

AARP Medicare Supplement Insurance Plans
4.6 / 5
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Call for best price:
(855) 908-2871
What We Like Most:
  • Household and electronic payment discounts
  • Plans A, B, C, F, G, K, L, and N offered
  • Helpful online resources

Overview

AARP is a well-known senior organization. Since its founding in 1958, it has focused on supporting and advocating for senior citizens nationwide. Partnering with UnitedHealthcare, it now offers some of the best Medigap policies available.

Available Plans
AARP and UnitedHealthcare Medicare Supplement plans include A, B, C, F, G, K, L, and N.

Network Restrictions
Your AARP coverage is good anywhere that accepts Medicare.

Extra Benefits
You can search AARP’s website to see what’s available in your area; it has plenty of useful information to help you make your choice. AARP knows its customers, and its staff is always ready to help. AARP’s purpose is to make life better for seniors, which means it truly cares about its target customers and has the knowledge and experience to back up its products.

Pros
  • Interactive website
  • Friendly customer service
  • Wide range of plans
  • In-person appointments available
Cons
  • Must be an AARP member to enroll

6. Colonial Penn Medigap - Widest Range of Plans

Colonial Penn Medigap
4.6 / 5
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What We Like Most:
  • In business since 1879
  • 30-day trial period for policies
  • Specializes in life and Medigap insurance
  • Offers permanent coverage

Overview

Colonial Penn was founded by AARP co-founder Leonard Davis, and it has been providing insurance for more than 60 years. It now offers insurance to people of all ages, but Colonial Penn began by focusing on people over 60. Dedication to older adults is still part of its ethos.

Available Plans
Colonial Penn offers Medigap Plans A, B, C, D, F, G, K, L, M, and N.

Network Restrictions
Your plan is good wherever Medicare is accepted.

Extra Benefits
Colonial Penn is a great option for reasonably priced Medigap plans.

Pros
  • Wide range of plans
  • Reasonable premiums
  • Portable coverage
  • No network restrictions
Cons
  • No online quoting

7. Anthem - Best App

Anthem Medicare Supplement Coverage
4.6 / 5
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What We Like Most:
  • Easy-to-use app to manage your account
  • Access to extras such as fitness programs
  • Wide range of plans
  • Optional drug, vision, and dental coverage

Overview

Anthem is the largest for-profit healthcare company in the Blue Cross Blue Shield Association. The company, headquartered in Indiana, was founded in 1946 as Mutual Hospital Insurance Inc. and Mutual Medical Insurance Inc.

Available Plans
Anthem Medicare Supplement plans include A, F, G, and N.

Network Restrictions
Your plan is good anywhere Medicare is accepted.

Extra Benefits
Some plans offer a 5 percent discount if someone else in your household is enrolled in an Anthem Medicare supplement. Some plans also offer additional dental and vision benefits for an extra premium.

Pros
  • Intuitive and helpful app
  • Bundled discounts on insurance
  • Health and wellness programs
  • Nationwide coverage
Cons
  • Not available in every state

8. Humana Medigap Insurance - Best Online Experience

4.6 / 5
View Packages
Call for best price:
(855) 908-2871
What We Like Most:
  • Wide range of plans offered
  • 24/7 customer service
  • Vision and dental add-ons available
  • High-deductible plan options

Overview

Humana was founded in 1961 as a nursing company, and today offers Medigap plans to people around the nation.

Available Plans
Humana offers Medigap Plans A, F, G, K, and N.

Network Restrictions
Your plan is good wherever Medicare is accepted.

Extra Benefits
Some Humana Medicare Supplement plans offer Healthy Living options that include vision and/or dental.

Humana offers a smooth online experience, an excellent range of plans, and supportive staff on hand if you need help. You can even arrange a meeting with a representative. Humana provides a customer-friendly experience with easy search options and a decent range of plans to cover all eventualities.

Pros
  • Quick quoting process
  • Easy-to-navigate website
  • Plentiful Medicare information and resources
  • Vision and dental options
Cons
  • Higher deductibles

Bottom Line

While individual Medigap plans are created equal in terms of coverage, they differ in terms of premiums, availability, and extra perks. To get started, we recommend taking a look at our individual provider pages. Additionally, be sure to check out our helpful guides:

Medigap Frequently Asked Questions

Written By
Amie Clark

Amie has been writing about senior care products and services for the last decade. She is particularly passionate about new technologies that help improve the quality of life for seniors and their families. Seeing her parents and grandparents age made Amie ask herself, “Would this be good enough for my loved ones?” In her spare time, Amie enjoys outdoor adventures and spontaneous road trips. Learn more about Amie here