Best Medicare Supplement Plans for a Healthy Person

March 10, 2023 amie-clark

Author: Amie Clark | March 10, 2023

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Humana - Best Overall Plans

Overall Rating:

4.5 / 5

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Call for best price:
844-382-7911

What We Like ↓

Aetna - Affordable Premiums

Overall Rating:

4.7 / 5

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Call for best price:
(855) 908-2871

What We Like ↓

Cigna - Widest Network Coverage

Overall Rating:

4.4 / 5

Cigna offers all four Medigap plans we identified as ideal for healthy people: Plan G, Plan G- High Deductible, Plan N, and Plan F-High Deductible. Healthy individuals may appreciate Cigna’s Healthy Rewards discount program, which provides savings on health clubs, vitamins, alternative medicine, weight management, vision, and hearing.

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Call for best price:
866-932-5678

What We Like ↓

Mutual of Omaha - Best Customer Service

Overall Rating:

4.6 / 5

Known for excellent customer service and accountability, Mutual of Omaha provides Medigap policies in all 50 states, three of which are plans we identified as great picks for healthy individuals: Plan G, Plan N, and Plan F- High Deductible. Other draws to Mutual of Omaha’s plans include the option to add dental, vision, and hearing with the company’s extra perks, such as its customized exercise and nutrition plans.

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(855) 908-2871

What We Like ↓

Best Senior Expertise

Overall Rating:

4.2 / 5

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(855) 908-2871

What We Like ↓

Anthem - Best App

Overall Rating:

4.1 / 5

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Call for best price:
855-635-3873

What We Like ↓

Why Should a Healthy Person Consider Medigap? The Best Medicare Supplement Plans for a Healthy Person Which Medigap Plans are Best for Healthy People? How We Chose the Best Medigap Policies for Healthy People

Although Medigap plans are federally regulated and offer the same benefits (for example, a Plan A from Humana will offer the same coverage as Plan A from Aetna), premiums for Medigap policies vary widely, costing anywhere from $51 to $650 per month. Because of this, a relatively healthy person might consider avoiding this additional coverage altogether.

However, it’s important to remember that Medicare doesn’t cover anything. Copayments, deductibles, and coinsurance can quickly add up, making it essential for a person—even someone in good health—to consider a Medigap policy in the event of an emergency.

Here are your best options.

The Best Medicare Supplement Plans for a Healthy Person

Humana : Best Overall Plans
Aetna : Affordable Premiums
Cigna : Widest Network Coverage
Mutual of Omaha Medigap Plans : Best Customer Service
AARP Medicare : Best Senior Expertise
Anthem : Best App

Why Should a Healthy Person Consider Medigap?

Even healthy individuals have good reason to consider Medigap, especially since everyone's health eventually begins to decline with age.

No networks: With no networks, healthy Medigap subscribers can visit any U.S. doctor or specialist who accepts Medicare, which is ideal for healthy individuals who spend much of the year visiting family or traveling to other destinations.
International travel: Retirement is an ideal time for exploring the globe, especially for those who are healthy. Neither Original Medicare or Medicare Advantage cover your medical needs while you are abroad, and, unfortunately, travel-associated illness or injury is not uncommon in older adults. Certain Medigap plans cover these expenses for up to $50,000 after a deductible of $250.
Renewable for life: Assuming you pay your premiums on time and do not misrepresent yourself, your Medigap policy cannot be canceled for any reason, unlike Medicare Advantage.
Preventative care: Preventative care can help us remain in good health longer and is extremely valuable, especially for healthy people with a family history of certain hereditary diseases. For example, if you do the genetic testing and find out you have one of the breast cancer genes, you may choose to get a double mastectomy as a precaution. Medicare will only cover 80 percent of the costs. This surgery plus reconstruction can cost upwards of $50,000 in some locations. Without Medigap, you would be responsible for $10,000 of out-of-pocket costs. If you have a Medigap policy, it will cover most of what you owe.
Preparing for the future: Even those of us in the best of health are not immune to age. Our chances of facing medical problems continue to increase as we get older, and often, diseases such as cancer or dementia can afflict even people with the cleanest medical records. Purchasing Medigap early on helps limit the expenses you and your loved ones must take on should your health begin to decline.

FYI: If you want to learn about the best Medigap Plans overall, then check out my rundown of this year’s best Medicare supplemental insurance.

The Best Medicare Supplement Plans for a Healthy Person

1. Humana - Best Overall Plans

4.5 / 5

View Plans

Call for best price:
844-382-7911

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 offers Medigap policies in 49 states (all but Virginia), and they offer some of the best benefits that go beyond that of their Medigap policies. In particular, we appreciate their discounts on hearing and vision services, as well as their 24/7 nurse hotline available to policyholders.

Humana also offers dental and vision policies that can be added to your Medigap policy at discounted rates.

To learn more about this provider, be sure to check out our full rundown of Humana Medigap plans.

Humana Medigap Quotes*

Humana Medigap Policy	Monthly Premium
Plan F – High Deductible	$63.88
Plan G – High Deductible	$62.31
Plan G	$252.31

*Quote for a 70-year-old nonsmoking woman from Nevada

Pros

Quick quoting process
24/7 nurse hotline
Easy-to-navigate website
Plentiful Medicare information and resources
Vision and dental options

Cons

Above average premiums

2. Aetna - Affordable Premiums

4.7 / 5

View Plans

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, which recently became a subsidiary of CVS Health, is an insurance legend with more than a century of experience providing coverage for U.S. residents. Today, Aetna boasts a network of 1.2 million health professionals and serves over 22.1 million medical members. The company’s supplemental Medicare policies are available in most of the country. Aetna also offers stand-alone dental and prescription policies that Medigap subscribers can add to their plans.

To receive a personalized quote for Aetna’s Medigap insurance, you can either call their customer service line or use the quote-finding tool on their website.

Aetna Medigap Quotes*

Aetna Medigap Policy	Monthly Premium
Plan F – High Deductible	$77
Plan G – High Deductible	$48
Plan G	$124
Plan N	$97

*Quote for a 70-year-old nonsmoking woman from Texas

Pros

Fewer age-related rate increases
Guaranteed renewable policies
No network restrictions
High-deductible options

Cons

No credit card payments
Not available in all states

3. Cigna - Widest Network Coverage

4.4 / 5

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Call for best price:
866-932-5678

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

Less than 20 years after the signing of the Declaration of Independence, Philadelphia-based Cigna was established as the Insurance Company of North America. To this day, it remains the United States’ oldest stockholder-owned insurer. Cigna’s Medigap plans are available in 48 states, and the company provides three of the plans we selected as best for healthy individuals.

Plans G and N cover emergency medical expenses endured during international travel and ensure your out-of-pocket costs beyond your Part B premium do not include any surprises. Part F-High Deductible is a low premium option for those willing to spend about $2,000 before coverage starts. Cigna is well known for its 24/7 Health Information Line and its focus on holistic health.

In a matter of minutes, you can obtain a sample quote from Cigna through either their website or customer service hotline.

Cigna Medigap Quotes*

Cigna Medigap Policy	Monthly Premium
Plan F – High Deductible*	$40
Plan G	$148
Plan N	$109

*Quote for a 70-year-old nonsmoking woman from Texas

Pros

Health-tracking mobile app
12-month price-lock guarantee
Household discounts on policies
Discounts on fitness memberships and products

Cons

Premiums often increase with age

4. Mutual of Omaha Medigap Plans - Best Customer Service

4.6 / 5

View Plans

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

Since its start in 1909, Mutual of Omaha has been a mutual company owned by and accountable only to its policyholders. As such, Mutual of Omaha customers can be extra confident the company has their well-being in mind. Currently, Mutual of Omaha provides insurance and financial products for personal and business purposes nationwide, including Medigap. Mutual of Omaha offers three of the four policies we identified as great picks for healthy individuals: Plan G, Plan N, and Plan F- High Deductible.

For a personalized Medigap quote from Mutual of Omaha, you can either visit their website or contact them via telephone.

Mutual of Omaha Medigap Quotes*

Mutual of Omaha Medigap Policy	Monthly Premium
Plan G – High Deductible	$41
Plan G	$116
Plan N	$91

*Quote for a 70-year-old nonsmoking woman from Texas

FYI: In 47 states, people who purchase a Medigap policy after their first six months of eligibility or switch from a Medicare Advantage plan may experience higher premiums, as it’s likely their provider will require information such as age, family history, and preexisting conditions.

Pros

Policyholders share in company profits
Online and telephone support
Up to 12 percent spouse discounts
Renewable for life

Cons

Higher premiums

5. AARP Medicare - Best Senior Expertise

4.2 / 5

View Plans

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

Senior advocacy organization AARP has partnered with UnitedHealthcare to form the most popular Medicare supplement provider in America, with over 4 million insured individuals across all 50 states. AARP offers all major Medigap plan options. Among the Medigap plans we identified as best for healthy people, AARP provides Plan F-High Deductible, Plan G, and Plan N.

AARP’s plans also include a few extra incentives for healthy individuals, including free fitness and health memberships, discounts from both AARP and UnitedHealthcare, and round-the-clock access to health experts, healthy recipes, and more. Furthermore, healthy 65-year-old individuals or older can see discounts as high as 39 percent.

To get a personalized quote for AARP Medigap, visit the company’s website and fill out your basic info or call UnitedHealthcare.

AARP Medigap Quotes*

AARP Medigap Policy	Monthly Premium
Plan	$40
Plan G	$128
Plan N	$109

*Quote for a 70-year-old woman from Texas

Pros

SilverSneakers fitness app and program
24/7 registered nurse line
Significant dental, vision, and hearing discounts
Wide range of coverage

Cons

AARP membership required

6. Anthem - Best App

4.1 / 5

View Plans

Call for best price:
855-635-3873

What We Like Most:

Extensive provider network
Affordable monthly premiums
Bundling options with health and dental
Large selection of plans

Overview

Anthem, a Blue Cross Blue Shield Association member, has been a symbol of expertise in the insurance industry for over 75 years and maintains its headquarters in Indiana. Today, Anthem Medigap is available in California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Montana, New Hampshire, Nevada, New York, Ohio, Virginia, and Wisconsin.

Anthem offers two of the plans we designated as best for healthy people: Plan G and Plan N. It does not offer high-deductible choices. Anthem provides enrollment discounts for both spouses or domestic partners as well as a free SilverSneakers program membership. Anthem’s Extras Packages allow you to sign up for stand-alone Anthem vision and/or dental insurance at the same time you select your Medigap plan. You can also add Part D for prescription assistance. Many Anthem Extras packages give you access to both Aetna Member and Travel Assistance programs which help you maintain your health at home as well as on your adventures abroad.

Anthem Medigap Quotes*

Anthem Medigap Policy	Monthly Premium
Plan G	$151
Plan N	$134

*Quote for a 70-year-old woman from Colorado

Certain Anthem payment options allow you to save even more. For example, you can save $2 per month using an automatic bank draft to pay your bill or $48 annually should you prefer to pay in one lump sum.

Pros

Prescription, vision, and dental add-ons
Travel assistance for health care abroad
Simple app for policy management
Discounts for quarterly or annual billing

Cons

Available in only 15 states

Which Medigap Plans are Best for Healthy People?

Healthy individuals will likely find Medigap Plan G, Plan G-High Deductible, or Plan N most cost-effective, depending on how often you may expect a need for medical care and your level of risk averseness. If you became eligible for Medicare prior to January 1, 2020, then you’d also be eligible for Plan F-High Deductible, which covers Part B coinsurance and copays entirely––another plan of interest for healthy people.

All of these Medigap plans include coverage for emergency medical expenses during international travel. This is in addition to 100 percent coverage for your Part A deductible, Part B excess charges, 365 days of skilled nursing, and Part A coinsurance — all for lower-than-average premiums. Plan G covers Part B copays and coinsurance but costs slightly more than Plan N each month, which limits your Part B costs to a $20 copay for some office visits and up to $50 copay for emergency room visits that don’t result in inpatient admission.

How We Chose the Best Medigap Policies for Healthy People

Since the government regulates Medicare supplemental insurance, the actual coverage of each specified plan will be the same across different insurers. With that said, there were some qualities we looked for when making our choices for which insurers offered the best Medigap plans for healthy individuals.

Transparent pricing: We looked for companies that were clear about their costs and didn’t hide lots of extra charges in the fine print. We also made sure to select insurers that didn’t employ dramatic rate increases or other less ethical financial practices.
Simple purchasing: We only selected insurance companies with easy-to-navigate websites and mobile applications. In addition, we preferred companies that made benefits simple for older adults to read and understand.
Extra benefits: Our team specifically chose insurers that offered additional health and fitness benefits, discounts on or add-on policies for hearing, vision, and dental, and other unique perks, such as travel assistance.