Best Medicare Supplement Plans for Diabetes

Offering Medigap plans in 48 states, as well as D.C. and Puerto Rico, Humana boasts one of the largest coverage ranges of any provider. No matter which Medigap plan you choose, you can expect stellar customer service, as well as some extra benefits that go beyond the coverage of your policy.

Every Humana Medigap policy comes with discounts on prescription medications, hearing health, vision health, and fitness club memberships. Humana also provides policyholders with a 24-hour nurse hotline, wherein a registered nurse can answer health care queries.

In terms of cost, Humana tends to be slightly pricier than some of the other providers on this list. A 70-year-old nonsmoking woman in Arizona could expect to pay between $131 and $987 in monthly premiums for Plan G. High-deductible Plan G options vary by location and individual factors, but monthly premiums range from $40 to $212 per month.3

One of the oldest and most reputable insurance companies in the country, Aetna offers a comprehensive range of Medigap plans. One thing I really appreciate about Aetna is that there are no network restrictions, so you can see any doctor you’d like. Additionally, coverage stays the same if you end up moving.

What’s more, with Aetna’s Diabetes Management Plus, policyholders can receive test strips delivered right to their homes. Additionally, users can track their glucometer readings directly from their proprietary smartphone app.

Depending on where you live, you can enter basic demographic information to generate a quote on Aetna’s website. A 70-year-old, nonsmoking woman in Phoenix would pay approximately $180 to $220 for Plan G coverage (Since 2020, Plan F is no longer available to new Medicare beneficiaries.), while Plan N would cost between $140 and $175. Online quotes with Aetna are not available for every state, so you might need to call to gauge your actual costs.

Anthem is a part of Blue Cross Blue Shield. We like that some of their plans offer vision and dental, expanding your health coverage beyond what you get with Medicare Part A. They also offer wellness benefits such as discounts on gym memberships. Unfortunately, Anthem is only available in certain states, and their range of plans is somewhat limited when compared to the other providers on this list.

Where Anthem really shines is with their smartphone app. With the app, you can easily keep track of your policy, view your benefits, and manage your coverage overall. I was particularly impressed by the ease with which I was able to file claims right from my smartphone.

For a 70-year-old woman in Nevada, the average cost for Plan G is approximately $250 to $300 per month with Anthem, although rates vary by location and individual factors.

Mutual of Omaha has been serving Americans since 1909 and has provided Medigap coverage for over 50 years. There are 10 standardized Medicare Supplement Insurance plans in 47 states; Wisconsin, Massachusetts and Minnesota have their own plans.4 And this experience shows in their customer service. With one of their Medigap plans, you can choose any doctor or hospital you would like, and if you’re a globetrotter, your coverage follows you around the world. Mutual of Omaha also tends to pay claims quickly.

For people with diabetes, Mutual of Omaha’s Medigap plans can help cover the out-of-pocket costs that Original Medicare doesn’t pay for, including copayments for diabetes specialists, coinsurance for lab work and testing supplies, and deductibles for hospital stays related to diabetes complications.

Currently, a 65-year-old woman in Texas would pay approximately $140 to $180 per month for Medigap Plan G from Mutual of Omaha, but exact premiums can vary.

UnitedHealthcare is the largest health-care provider in the country, with more than 50 years of experience. They have a large network and offer transparent pricing and solid Medigap plans. Adults may sign up for UnitedHealthcare if they are 65 or older and enrolled in Medicare Parts A and B. Pricing and plans will vary depending on where you live. Luckily, it’s easy to find a quote and apply for a plan online by entering your ZIP code, date of birth, and other information.

A 70-year-old nonsmoking woman would pay $150 to $300 for Plan C Medigap insurance in Phoenix, Arizona. Remember that premiums vary due to individual factors such as health status and ZIP code.

Established in the 1970s, Cigna now serves over 30 countries around the world.6 They offer a higher deductible plan for those looking for lower premiums, and they offer discounts if customers sign up online or if more than one person in a household enrolls in a plan. Cigna also offers diabetes-specific plans to save on diabetes supplies, equipment, and doctors’ appointments.

Additionally, while they’re technically not part of Cigna’s Medigap coverage, Cigna also offers Diabetes Care Plans,which is an innovative way to help people with diabetes stay on track of their health. These plans come with $0 in out-of-pocket costs for supplies like insulin pumps, blood glucose monitors, and infusion devices.

A 66-year-old woman in Texas would pay roughly $140 to $280 a month for a standard Medigap Plan G plan, and $40 to $70 per month for a high-deductible G plan. Costs for Plan G can vary widely depending on ZIP code and insurer.