UnitedHealthcare Medicare Supplement Plan Review in 2025

Pros and Cons

UnitedHealthcare Company Background

UnitedHealthcare is the largest health insurance provider in the U.S. and the world at large based on revenue, according to March 2025 survey data from The Financial Times published by Statista.3 Originally founded in 19744 as Charter Med Inc., the company has a network of more than 1.3 million doctors and health care workers, as well as 6,500 hospitals and care facilities all over the U.S. If you’re looking for a company with a solid reputation and a large network, UnitedHealthcare fits the bill.

Which Medicare Supplement Plans Does UnitedHealthcare Offer?

Note that UnitedHealthcare’s plans and pricing depend on your gender, where you live, your age, and whether you are a tobacco smoker. The chart below shows the options for a 66-year-old woman living in Philadelphia, Pennsylvania.

As you can see, you’ll pay anywhere from about $66 to $170 a month, and many of the plans include free doctor’s visits or inpatient care.  Note that they also offer a high-deductible Plan G in many areas. Here’s a little bit more about each plan and who it would be best for.

• Plans A and B: These plans are good if you can afford more out-of-pocket expenses but want a lower monthly premium. Expect to pay more for Medicare Part B excess charges, emergency care when traveling internationally, and coinsurance for skilled nursing facilities.
• Plan G: If you want more benefits and you’re OK with paying a higher premium, you may want to consider Plan G. It has the most supplemental coverage for out-of-pocket expenses Medicare approves but doesn’t cover. You’ll pay more per month but less out of pocket. Plan G is the most comprehensive plan available, covering additional benefits like stays in a skilled nursing facility and emergency care for foreign travel. Conversely, UnitedHealthcare also offers a high-deductible Plan G in many areas. This version requires you to pay a $2,800+ deductible before benefits begin but often comes with lower premiums.
• Plan K: If you want lower monthly premiums, Plan K is a good option that starts at just $66 a month. Instead of paying the full coinsurance cost, however, the insurance covers only a percentage. Once you reach your out-of-pocket limit, all covered services will be completely paid for the rest of the year.
• Plan L: Plan L includes a 5 percent coinsurance, a $3,610 out-of-pocket maximum, and a monthly cost of about $115 per month. It is a good, middle-of-the-road option. Although this plan’s premiums aren’t the lowest, it does not have the high out-of-pocket maximum of Plan K.
• Plan N: Plan N includes the coinsurance for Medicare Part B, but you will still have to pay copayments for visits to the emergency room or covered visits to a doctor. The monthly premium falls in the middle compared to the other plans.
• Plans with wellness benefits: If you want supplemental benefits like gym membership, a 24/7 nurse line, and discounts on hearing, dental, and vision, choose a plan with wellness benefits.

All Medigap plans are guaranteed renewable, meaning your coverage can’t be dropped due to health conditions as long as you pay your premiums.

How Much Do UnitedHealthcare Medigap Plans Cost?

The costs of any Medigap provider vary not only from state to state, but also from city to city and even person to person. Costs are higher in large cities such as New York and lower in small towns and cities.

UnitedHealthcare Medigap Plan Costs

Here’s a sample of UnitedHealthcare plan minimum monthly premiums in different cities for a nonsmoker over 65. These plans do not include wellness benefits unless otherwise noted.

How to Enroll in a UnitedHealthcare Medigap Plan

As a social worker, I’ve worked with older adults signing up for Medigap plans from UnitedHealthcare. It’s important to know that before you can apply for Medigap, you need to be enrolled in Medicare Parts A and B. If you sign up during the Medigap open-enrollment period, you are accepted automatically. The open enrollment period lasts for six months, beginning when you turn 65 and you’re enrolled in Medicare Part B. If you wait until after this period, you may have more limited Medigap options and higher premiums.

To view UnitedHealthcare’s plans, you can go to the company’s website and enter your personal information, including your ZIP code, birth date, and the dates your Medicare Parts A and B went into effect. The website will show you options, but you can also call an insurance agent at 1-844-771-1594 to buy a plan.

Insurance is one of the few areas in which I actually appreciate brokers. When I spoke to UnitedHealthcare’s agents, they asked the right questions to see which plan was appropriate based on the beneficiary’s needs and lifestyle. Insurance policies and plans are so complicated that having extra assistance is almost always a good thing. If you want a personalized recommendation, call UnitedHealthcare’s agents directly.

Alternatives to UnitedHealthcare Medigap

Don’t see a plan you like? I’ve reviewed other top Medigap insurance providers in addition to UnitedHealthcare, and these are some of my favorites:

• Cigna: Cigna offers Medigap plans G, N, and A (I’m not including F for any company, as you had to have been eligible before January 1, 2020.) Plus, you can save up to 25 percent by applying online.
• Aetna: Aetna offers the Medicare Medigap plans A, B, G, and N. It also covers emergency care when you’re traveling internationally.
• Mutual of Omaha: Mutual of Omaha offers Medigap Plans A, B, D, G, and N. The high-deductible G option kicks in after you reach your $2,870 out-of-pocket limit. I think of it as a strong safety net for people willing to pay that out-of-pocket cost.
• State Farm: State Farm’s Medigap plans include A, B, D, N, G, and C. Plan N pays all of the coinsurance from Medicare Part B, save for a $20 copay for some office visits or a $50 copay for ER visits that do not end in inpatient care.

Bottom Line

I recommend UnitedHealthcare for Medigap plans, as the company has been a trustworthy health insurance provider for almost nearly 50 years. With 10 Medigap plan choices, UnitedHealthcare provides options for older adults with a wide variety of lifestyles and budgets. Plus, I like how easy it is to choose a plan using the company’s simple online quote process. For more information about UHC’s offerings, read my guide to UnitedHealthcare Medicare Advantage. Or to learn more about the best ways to augment your Medicare coverage, read our helpful guides:

• Medicare Supplement Insurance for Diabetes
• Medigap for Low-Income Seniors
• Does Medigap Cover Colonoscopies?
• Medigap for Healthy People
• Medicare Supplement Plans for Dental

Methodology

Here is the methodology I use to review Medigap providers:

• Availability: Most companies offer Medigap plans nationwide, although the exact plans will differ by state.
• Third-party financial ratings: I check a company’s financial ratings with third parties like Moody’s, S&P Global, and AM Best to make sure a company is creditworthy and can pay their claims.
• Number of agents: I prioritize companies with a ton of local agents throughout the country, as many seniors may want to buy their insurance in person.
• Pricing: I look for companies with a wide range of premiums and low out-of-pocket maximums.
• Extras: Finally, I prefer companies with additional wellness benefits like gym memberships and discounts on hearing, vision, and dental services.