Subscribe To Newsletters
  • Subscribe To Newsletters
  • Trump Tracker
  • Billionaires
    Billionaires
    • View All Billionaires
    • World's Billionaires
    • Forbes 400
    • America's Richest Self-Made Women
    • China's Richest
    • India's Richest
    • Indonesia's Richest
    • Korea's Richest
    • Thailand's Richest
    • Japan's Richest
    • Australia's Richest
    • Taiwan's Richest
    • Singapore's Richest
    • Philippines' Richest
    • Hong Kong's Richest
    • Malaysia's Richest
    • Money & Politics
    • 2024 Election
  • Innovation
    Innovation
    • View All Innovation
    • AI
    • Big Data
    • Cloud
    • Cloud 100
    • Consumer Tech
    • Creator Economy
    • Cybersecurity
    • Digital Transformation
    • Enterprise Commerce
    • Enterprise Security and Protection
    • Enterprise Tech
    • Enterprise Growth Strategy
    • Future Of Work
    • Gaming
    • greenhouse Insights: How AI Can Help You Make Your Smartest Hire Yet | Paid Program
    • Healthcare
    • Innovation Rules
    • Retail Industry
    • SAP BrandVoice | Paid Program
    • Science
    • Social Media
    • Sustainability & Climate
    • Transportation
    • Venture Capital
    • Technology
    • VMware BrandVoice | Paid Program
    • Zendesk BrandVoice | Paid Program
  • Leadership
    Leadership
    • View All Leadership
    • Careers
    • CEO Network
    • CFO Network
    • CHRO Network
    • CIO Network
    • CMO Network
    • CxO
    • Diversity, Equity & Inclusion
    • Education
    • Forbes EQ | Paid Program
    • ForbesBLK
    • ForbesWomen
    • Leadership Strategy
    • Under 30
    • Working Remote
    • Over 50
    • Deloitte BrandVoice | Paid Program
    • Dell Technologies BrandVoice | Paid Program
  • Money
    Money
    • View All Money
    • Banking & Insurance
    • ETFs & Mutual Funds
    • Fintech
    • Hedge Funds & Private Equity
    • Investing
    • Investor Hub
    • Markets
    • Personal Finance
    • Premium Investing Newsletters
    • Retirement
    • Taxes
    • Top Advisor | SHOOK
    • Wealth Management
  • Forbes Digital Assets
    Forbes Digital Assets
    • View All Forbes Digital Assets
    • Home
    • Web3 Community
    • News
    • Crypto Prices
    • NFT Prices
    • Research
    • Learn
      Crypto Basics BTC DeFi Web3 Education NFTs Crypto Investments
    • Events
    • Crypto Portfolios
  • Investment Newsletters
  • Business
    Business
    • View All Business
    • Aerospace & Defense
    • Energy
    • Food & Drink
    • Hollywood & Entertainment
    • Law
    • Manufacturing
    • Media
    • Policy
    • Retail
    • SportsMoney
    • Entertainment Digest
  • Small Business
    Small Business
    • View All Small Business
    • Entrepreneurs
    • Franchises
    • Small Business Strategy
  • Lifestyle
    Lifestyle
    • View All Lifestyle
    • Arts
    • Boats & Planes
    • Cars & Bikes
    • Dining
    • ForbesLife
    • Forbes Travel Guide
    • Spirits
    • Style & Beauty
    • Travel
    • Vices
    • Watches
  • Real Estate
    Real Estate
    • View All Real Estate
    • Commercial Real Estate
    • Forbes Global Properties
    • Residential Real Estate
  • Vetted
    Vetted
    • View All Vetted
    • Mattress & Sleep
      Bed Frames Mattresses Mattress Toppers Pillows Sheets & Bedding Sleep Products
    • Home
      Bathroom Cleaning & Laundry Decor Furniture Heating & Cooling Hobbies Home Office Kitchen & Dining Outdoor Pets Storage & Organization Tools Wine & Bar
    • Fashion
      Accessories Clothing Eyewear Footwear Jewelry Handbags & Purses Lingerie & Sleepwear Outdoor & Fitness Apparel Outerwear Watches
    • Kids & Baby Gear
      Baby Gear Kids Clothes & Accessories Nursery Pregnancy & Postpartum Toys & Books
    • Gear
      Apparel & Accessories Bikes Camping & Hiking Climbing Fishing & Hunting Fitness Golf Running Tennis & Racket Sports Tools & Tech Training & Recovery Water Sports Wellness Winter Sports
    • Beauty & Grooming
      Haircare Makeup Nailcare Shaving Skincare Personal Products Wellness & Self Care
    • Tech & Electronics
      Audio Cameras Computers, Tablets & Accessories Gaming Home Office Online Tools Smart Home Devices Smartphones, Smartwatches & Accessories Streaming TVs
    • Travel
      Cruises Hotels & Lodging Luggage Travel Products
    • Gifts
      Father's Day Holiday Mother's Day Valentine's Day Wedding
    • Deals
      Black Friday Cyber Monday Amazon Prime Day Beauty & Grooming Big Sales Fashion Gear Home Tech & Electronics Travel Deals Mattress & Sleep
  • Forbes 101
  • Advisor
    Advisor
    • View All Advisor
    • Best Credit Cards Of 2024
    • Compare Credit Cards
    • Balance Transfer Credit Cards
    • Cash Back Credit Cards
    • Travel Credit Cards
    • Business Credit Cards
    • Mortgages & Loans
      Best Mortgage Lenders Today's Mortgage Rates Today's Refinance Rates Best Personal Loans Compare Loans Loans For Bad Credit Best Debt Consolidation Loans Best Student Loan Lenders Best Student Loan Refinance Lenders Business Loans
    • Banking
      Best Online Banks CD Rates High-Yield Savings Accounts Money Market Account
    • Life Insurance
    • Cheap Life Insurance
    • No Exam Life Insurance
    • Travel Insurance
    • Covid-19 Travel Insurance
    • Cheap Travel Insurance Companies
    • Best Car Insurance
    • Compare Car Insurance Quotes
    • Cost Of Car Insurance
    • Cheap Car Insurance
    • Pet Insurance
    • How Much Is Pet Insurance?
    • Cheap Pet Insurance
    • Business Services
      Best LLC Services Best Registered Agent Services How To Set Up An LLC How To Start A Business Cost To Start An LLC Best Payroll Services Best HR Software Best HRIS Systems Best PEO Services Best Applicant Tracking Systems Best Website Builders Best Web Hosting Services Best Domain Registrar Best Ecommerce Platform Best Landing Page Builder Best VoIP Service What Is VoIP? Best Answering Services Best Call Center Software Best Cloud Phone System Best Project Management Software Free Project Management Software Best Task Management Software Free Task Management Software Best Gantt Chart Software Best VPN Best Free VPN Best Cheap VPN Best Antivirus Software Best Password Managers
    • Home Services
      Best Moving Companies Best Long Distance Moving Companies Best Car Shipping Companies Best Interstate Moving Companies How Much Do Movers Cost? Best Home Warranty Companies Cheapest Home Warranty Companies Are Home Warranties Worth It? Home Warranty Cost Best Home Appliance Insurance Best Solar Companies Best Solar Panels Cost Of Solar Panels Solar Tax Credit By State Are Solar Panels Worth It? Best Pest Control Companies Best Termite Control Companies Best Mosquito Control Companies Pest Control Cost How Much Do Exterminators Cost? Best Home Security Companies Best Home Security Systems Home Security System Cost Cheapest Home Security Systems Best Wireless Home Security Systems Best Internet Providers Cheapest Internet Plans Fastest High Speed Internet Providers Best Internet Only Plans Best Fiber Internet Providers
    • Forbes Advisor UK
  • Health
    Health
    • View All Health
    • Best Diets
    • Healthy Aging
    • Best Medical Alert Systems
    • Medicare
    • Medicare Advantage Plans
    • Medicare Supplement Plans
    • Medicare Advantage By State
    • Health Insurance
    • Hearing Aids
    • Best Hearing Aids
    • Senior Living
    • Mind
    • Best Online Therapy
    • Best CBD Gummies
    • Best CBD Oil
  • Lists
  • Video
  • Newsletters
    Newsletters
    • View All Newsletters
    • Crypto Confidential
    • Editorial Newsletters
    • Investing Digest
    • Premium Investing Newsletters
  • Forbes Games
    Forbes Games
    • View All Forbes Games
    • Frase by Forbes
    • Pinpoint by LinkedIn
    • Queens by LinkedIn
    • Crossclimb by LinkedIn
  • Forbes Magazine
    Forbes Magazine
    • View All Forbes Magazine
    • Forbes Asia
    • Free Issue of Forbes
  • Latest
    Latest
    • Coronavirus Coverage
    • Daily Cover Stories
    • Dark Capital
    • Editors' Picks
  • Breaking News
  • Featured
    Featured
    • American Express Insights: 5 Findings That Could Reveal Your Company's Path To Payment Innovation
    • The CEO's Guide To Marketing
    • The Forbes CIO Next List: 2024
    • America's Top Wealth Management Teams High Net Worth
    • The One Who Changed Everything Video Series
    • 30 Under 30 2023
    • AI's Nuanced Impact And A Quest To Quantify It
    • Cognizant BrandVoice: Gen AI Leadership Conversation Video Series | Paid Program
    • DNA of Success
    • Embracing And Bracing For AI
    • Facing A Volatile Market, C-Suites Look To The CFO For Strategic Guidance
    • Forbes Research: 2023 Small Business Survey
    • 'I Am Who I Am': Owning Your Personal And Professional Brand | Paid Program
    • TIAA BrandVoice | Paid Program
    • Forbes CXO Spotlight
    • Scaling AI Editorial Video Series | Paid Program
    • America's Top RIA Firms
    • 5 Traits of AI Pacesetters to Help You Pull Ahead | Paid Program
    • State Farm BrandVoice | Paid Program
    • Thomson Reuters Insights Premium Post: 4 Factors To Explore When Considering Professional-Grade AI | Paid Program
    • PayPal BrandVoice Premium Post: The Future Of E-Commerce | Paid Program
    • The Birth Of Almanac: A Re-Evaluation Of What's Really Needed In Farming | Paid Program
    • Leadership Lessons on Financial Literacy Video Series, presented by New York Life | Paid Program
    • PayPal BrandVoice Premium Post: How Merchants Are Leveling Up Checkout To Drive Conversion | Paid Program
    • Hyoeun Kim On LG's Brand Promise, "Life's Good" | Paid Program
    • Poised To Outperform: Rev Up Your Investment Strategy With Active ETFs | Paid Program
    • ServiceNow BrandVoice Premium Post: Why It's Time To See Your Workforce In 4D | Paid Program
    • Presented by New York Life: Forbes Leadership Lessons On Financial Literacy | Paid Program
    • SAP BrandVoice: 4 Ways A Cloud ERP Can Unleash AI Potential | Paid Program
  • Advertise with Forbes
  • Report a Security Issue
  • Editorial Values and Standards
  • Site Feedback
  • Contact Us
  • Careers at Forbes
  • Tips
  • Corrections
  • Privacy
  • Do Not Sell My Personal Information
  • Terms
  • AdChoices
  • Reprints & Permissions
  • © 2024 Forbes Media LLC. All Rights Reserved.
Subscribe
  • Health
  • Medicare
Advertiser Disclosure

The Forbes Health editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Health site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them.

The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Health. While we work hard to provide accurate and up-to-date information that we think you will find relevant, Forbes Health does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Best Medicare Supplement (Medigap) Providers of 2024

Tamrah Harris Health Writer
Tamrah Harris is a registered nurse and certified personal trainer through the American College of Sports Medicine. She is the founder and CEO of Harris Health and Wellness Communications. She has over 25 years of experience in healthcare with a pass...
See Full Bio See Full Bio
close icon
Tamrah Harris Health Writer
Tamrah Harris is a registered nurse and certified personal trainer through the American College of Sports Medicine. She is the founder and CEO of Harris Health and Wellness Communications. She has over 25 years of experience in healthcare with a pass...
See Full Bio See Full Bio
Written By
Tamrah Harris
Tamrah Harris Health Writer
Tamrah Harris is a registered nurse and certified personal trainer through the American College of Sports Medicine. She is the founder and CEO of Harris Health and Wellness Communications. She has over 25 years of experience in healthcare with a pass...
See Full Bio See Full Bio
close icon
Tamrah Harris Health Writer
Tamrah Harris is a registered nurse and certified personal trainer through the American College of Sports Medicine. She is the founder and CEO of Harris Health and Wellness Communications. She has over 25 years of experience in healthcare with a pass...
See Full Bio See Full Bio
Health Writer
Carley Prendergast Deputy Editor, Forbes Health
Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creat...
See Full Bio See Full Bio
  • Linkedin icon
close icon
Carley Prendergast Deputy Editor, Forbes Health
Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creat...
See Full Bio See Full Bio
  • Linkedin icon
Carley Prendergast
Carley Prendergast Deputy Editor, Forbes Health
Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creat...
See Full Bio See Full Bio
  • Linkedin icon
close icon
Carley Prendergast Deputy Editor, Forbes Health
Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creat...
See Full Bio See Full Bio
  • Linkedin icon

Fact Checked

| Deputy Editor, Forbes Health
& 1 other
Updated: Nov 5, 2024, 7:46am
Commissions we earn from partner links on this page do not affect our opinions or evaluations. Our editorial content is based on thorough research and guidance from the Forbes Health Advisory Board.

Medicare doesn’t cover all of your health care expenses when you turn 65. Medicare Part A covers inpatient care in hospitals and skilled nursing facilities, and Medicare Part B covers outpatient care and medically necessary supplies, resulting in about 80% coverage. For the 20% not covered by Medicare, you have the option to purchase Medicare Supplement (Medigap) insurance from a private insurance company.

To determine the best Medicare Supplement providers, the Forbes Health editorial team analyzed data on U.S. insurance companies that offer plans nationwide by the number of states in which they provide coverage, the number of types of plans they offer, how they rank in terms of their financial health by agencies like A.M. Best and more. Read on to see which providers made our list.

Language surrounding Medicare can be confusing and some key terms tend to reappear consistently. To help you navigate Medicare research and decisions, Forbes Health offers this glossary of key terms.

Medicare Glossary of Terms

Original Medicare: A health insurance program offered by the federal government to adults age 65 and older, or another qualifying person, which allows enrollees to see all doctors who accept Medicare. Original Medicare consists of Part A, which covers hospital insurance, and Part B which covers medical insurance.

Medicare Advantage plans: Also known as Part C, Medicare Advantage plans are offered by private health insurance companies that contract with the federal government. Medicare Advantage plans cover at least the same benefits as Original Medicare (Part A and Part B), but have their own costs and benefits, such as hearing and vision health.

Medicare Supplement/Medigap plans: Plans sold by private insurance companies designed to cover costs that aren’t covered by Original Medicare. These plans are sometimes referred to as Medigap plans.

Deductible: The amount of money a person must pay for health care expenses before their health insurance begins to pay.

In-network: Providers or hospitals that are contracted with a person’s private health insurance company to be part of their network. Seeing providers or going to hospitals within a plan’s network may result in lower payments than if a person seeks care from out-of-network providers or hospitals.

Out-of-pocket costs: Costs related to health care that aren’t covered by Original Medicare or Medicare Advantage and must be paid by insurees.

Why You Can Trust Forbes Health

The Forbes Health editorial team prioritizes the accuracy and integrity of the data collected. Our ranking is based on quantitative data and is free from conflicts of interest. We carefully fact check the information featured in our ranking and are committed to producing rankings and supplemental content about Medicare Supplement providers that readers can trust. You can read more about our editorial guidelines and our methodology for the rankings below.

  • 10+ national health insurance providers evaluated
  • 7 metrics analyzed
  • Focus on company reputation and plan variety
Show More
Find The Best Medicare Plans
  • Best Medicare Advantage Plans
  • Best Medicare Part D Plans
  • Aetna Medicare Advantage Review
  • AARP Medicare Advantage Review
  • Blue Cross Blue Shield Medicare Advantage Review
  • Medicare Advantage vs. Medicare Supplement (Medigap)
{{ showSummarySection ? 'Hide Summary' : 'Show Summary' }}
  • Best Medicare Supplement Plans and Providers of 2024
  • Blue Cross Blue Shield
  • Humana
  • AARP by UnitedHealthcare
  • Mutual of Omaha
  • Aetna
  • Methodology: How We Picked the Best Medicare Supplement Providers of 2024
  • What Is a Medicare Supplement (Medigap) Plan?
  • How Much Does Medicare Supplement Cost?
  • Medicare Supplement Plans F, G and N: Which Is Best?
  • The Pros and Cons of Medicare Supplement Plans
  • Medicare Supplement Plans vs. Medicare Advantage
  • How to Choose the Best Medicare Supplement Plan for You
  • How to Sign Up for Medicare Supplement Plans in 2024
  • Final Thoughts
  • Summary: Compare the Best Medicare Supplement Providers for 2024
  • Frequently Asked Questions (FAQs)
FEATURED PARTNER OFFER partner offer
We receive compensation from our partners for Featured Partner Offer placements. While this may influence where their products or services appear on our site, it in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice. Our partners cannot pay us to guarantee favorable review of their products or services.
Find Top Medicare Supplement Plans to Fit your Needs at Healthcare.com
Find Top Medicare Supplement Plans to Fit your Needs at Healthcare.com
  • Helps pay the 20% that Original Medicare doesn’t cover
  • Pays 100% of Part A coinsurance
  • Pays up to 100% of Part B coinsurance
  • Available in all 50 states
  • Offers Medical Benefits for Foreign Travel
  • Fill out a quote form to speak to a licensed insurance agent
Get a Quote
On Healthcare.com

Best Medicare Supplement Plans and Providers of 2024

  • Best Nationwide Coverage: BlueCross BlueShield
  • Best Additional Plan Benefits: Humana
  • Best Membership Perks: AARP by UnitedHealthcare
  • Best Plan Variety: Mutual of Omaha
  • Best Financial Reputation: Aetna

Best Nationwide Coverage

BlueCross BlueShield

BlueCross BlueShield
5.0
All ratings are determined solely by our editorial team.
  • Coverage available in all 50 states, Washington, D.C. and Puerto Rico
  • Offers 10 types of Medigap plans (A, B, C, D, F, G, K, L, M and N)
  • Policies can include additional benefits beyond what regulations require
  • Company Better Business Bureau (BBB) rating: A+ (based on more than 80 reviews)
  • Trustpilot average customer rating: 1.6 out of 5 stars (based on more than 35 reviews)
See Plans
On Healthcare.com
Why We Picked It

Blue Cross Blue Shield Association (BCBS) is a collection of 34 independent and locally- operated companies, which means its health insurance coverage options vary by state (including Washington, D.C. and Puerto Rico). BCBS offers every type of Medigap plan in at least one location across the country, and various BCBS Medicare Supplement policies include benefits beyond what’s required of Medigap plans, such as fitness memberships and more.

Editor’s Take
Jessica Lester
Jessica Lester
Jessica Lester
Lead Editor, Forbes Health
Jessica is a writer, editor and media professional who has spent her career working with some of the most influential names in media. Prior to joining Forbes Health, Jessica was the manager of creative communications at Hearst, where she specialized in high-level production and project management. As a freelance writer, Jessica has written across a range of topics, including entertainment, travel and career. Her work can be found in Variety, Paste Magazine, The Muse and on her personal website (jessicamlester.com).
Jessica Lester
Jessica Lester
Jessica Lester
Lead Editor, Forbes Health
Jessica is a writer, editor and media professional who has spent her career working with some of the most influential names in media. Prior to joining Forbes Health, Jessica was the manager of creative communications at Hearst, where she specialized in high-level production and project management. As a freelance writer, Jessica has written across a range of topics, including entertainment, travel and career. Her work can be found in Variety, Paste Magazine, The Muse and on her personal website (jessicamlester.com).
Lead Editor, Forbes Health

“While BCBS is one of the nation’s largest providers of Medicare Supplement plans, available plans, benefits and price offerings can vary across each state, making it important for customers to contact their local company directly to find the best plan options for their needs. Luckily, once a person does find the right plan for them, BCBS offers an expansive network of health care professionals and some plans offer customers the chance to receive out-of-network care.”

Pros & Cons
  • A rating from A.M. Best in 2024, proving financial sustainability
  • Offers Part D (prescription drug) coverage specifically
  • Plans available in Washington, D.C. and Puerto Rico
  • One of the larger national providers of Medicare Supplement plans
  • Some policies offer reimbursement for qualifying weight loss programs
  • Some BCBS companies offer Medicare Select versions of policies (providing full insurance benefits for in-network care) in addition to standard versions
  • Customer experience can be inconsistent from one BCBS company to another, according to online reviews
  • All types of Medigap plans aren’t available in every area
  • Not BBB-accredited
  • Poor average customer reviews on both BBB and Trustpilot
Best Additional Plan Benefits

Humana

Humana
4.9
All ratings are determined solely by our editorial team.
  • Coverage available in 50 states, Washington, D.C. and Puerto Rico
  • Offers 10 types of Medigap plans (A, B, C, F, F+, G, G+, K, L and N)
  • Policies can include additional benefits beyond what regulations require
  • Better Business Bureau (BBB) rating: A+ (based on more than 340 reviews)
  • Trustpilot average customer rating: 1.5 out of 5 stars (based on more than 130 reviews)
telephone Call Now
See Plans
On MedicareSupplement.com
Why We Picked It

Ranked 38 on the Fortune 500 list, Humana is one of the largest health insurance providers in the U.S. and provides Medicare Supplement plans in most states, plus Washington, D.C. and Puerto Rico. In addition to its wide Medigap plan offering, Humana provides plenty of plan perks like SilverSneakers (a health and fitness program), meal delivery via its Well Dine program, 24/7 call access to a registered nurse and vision and hearing services discounts. Humana’s additional insurance coverage reaches beyond what’s required of Medicare Supplement, such as cost-sharing options for dental and vision care. Its premium prices tend to be higher than competitors, but Humana does provide a 6% discount on monthly premiums when beneficiaries enroll in a plan online (with the exception of those who reside in California, Connecticut, Pennsylvania and Ohio).

Pros & Cons
  • A rating from A.M. Best in 2024, proving financial sustainability
  • Offers Part D (prescription drug) coverage specifically
  • Dental and vision benefits available
  • Maintains a history of stable premiums
  • Most policyholders have access to add-on programs and services (although availability varies by plan and state)
  • Offers SilverSneakers fitness membership
  • Competitive pricing model may drive costs up for certain individuals
  • Limited information about plan availability and pricing available via company website
  • Poor average customer reviews on both BBB and Trustpilot
  • Website doesn’t provide information on additional plan benefits beyond what’s required by CMS without submitting personal information first
Expert's Take

“Humana has a large infrastructure like many major carriers,” says John O’Hara, president of NJ Life & Health Insurance Group in Toms River, New Jersey. “While Humana offers competitive initial enrollment rates, it has introduced several in-state Part G plans under different Humana entities, such as Humana Achieve, offering the same service at competitive rates to new beneficiaries. Older plans may no longer be offered to new customers, which may result in higher rate increases for the members in the older plan over time.”

For more information, read our full Humana Medicare Supplement Plans review.

Best Membership Perks

AARP by UnitedHealthcare

AARP by UnitedHealthcare
4.8
All ratings are determined solely by our editorial team.
  • Coverage available in all 50 states and Washington, D.C. and Puerto Rico
  • Offers nine types of Medigap plans (A, B, C, D, F, G, K, L, N)
  • Policies can include additional benefits beyond what regulations require
  • Company Better Business Bureau (BBB) rating: D (based on more than 1,400 reviews)
  • Trustpilot average customer rating: 1.3 out of 5 stars (based on more than 180 reviews)
See Plans
On Healthcare.com
Why We Picked It

AARP (Association of Retired Persons) isn’t an insurance company, but it partners with UnitedHealthcare—the largest insurer in the nation that covers over 51 million people in all 50 states, Washington, D.C. and most U.S. territories—to provide Medicare Supplement plans. Together, they provide Medicare Supplement plans enriched by AARP-specific perks and discounts to over 4 million U.S. adults.

Editor’s Take
Alena Hall
Alena Hall
Alena Hall
Former Health Writer
Alena is a professional writer, editor and manager with a lifelong passion for helping others live well. She is also a registered yoga teacher (RYT-200) and a functional medicine certified health coach. She brought more than a decade of media experience to Forbes Health, with a keen focus on building content strategy, ensuring top content quality and empowering readers to make the best health and wellness decisions for themselves.
Alena Hall
Alena Hall
Alena Hall
Former Health Writer
Alena is a professional writer, editor and manager with a lifelong passion for helping others live well. She is also a registered yoga teacher (RYT-200) and a functional medicine certified health coach. She brought more than a decade of media experience to Forbes Health, with a keen focus on building content strategy, ensuring top content quality and empowering readers to make the best health and wellness decisions for themselves.
Former Health Writer

“There’s something to be said for being the largest nationwide provider of health insurance and the various benefits that infrastructure supports. When it comes to UnitedHealthcare’s AARP plans, one such benefit is its prescription drug program, because the provider partners with OptumRx. For many older adults, prescription drug costs are often what burden their budget—and sometimes unexpectedly.”

Read our full review of UnitedHealthcare Medicare Supplement plan offerings.

Pros & Cons
  • A+ rating from A.M. Best in 2024, proving financial sustainability
  • Offers Part D (prescription drug) coverage specifically, with many popular drugs available for $0 copays at 9,000 Walgreens and Duane Reade stores nationwide
  • Offers plans for beneficiaries in every state
  • Competitively-priced benefits, such as discount dental, hearing and vision programs, which include discounts on eyeglasses and hearing aids
  • Offers an online program for supporting cognitive health, as well as a driver safety program via the AARP Smart Driver course.
  • Strong brand loyalty, as 94% of members currently renew their plan year to year, according to the company
  • Difficult to find general information on website without submitting personal information first
  • Certain plans specifically come with higher out-of-pocket costs in exchange for lower premium rates
  • AARP membership required to purchase a plan
  • Not BBB-accredited (UnitedHealthcare and AARP)
Best Plan Variety

Mutual of Omaha

Mutual of Omaha
4.8
All ratings are determined solely by our editorial team.
  • Coverage available in 49 states and Washington, D.C.
  • Offers 10 types of Medigap plans (F, F+, G, G+, N, A, B, C, D, M)
  • Policies can include additional benefits beyond what regulations require
  • Company Better Business Bureau (BBB) rating: A+ (based on 80 reviews)
  • Trustpilot average customer rating: 1.5 out of 5 stars (based on more than 70 reviews)
Get A Quote
On Mutual of Omaha's Website
Why We Picked It

Mutual of Omaha offers nationwide coverage for an extensive variety of Medicare Supplement plans, including high-deductible plan offerings. The company also offers low-premium plans and claims a standard response time of within 24 hours for 99% of claims filed. Mutual of Omaha Medicare Supplement plans also include additional benefits, such as the company’s Mutually Well program, which provides access to fitness centers and gyms for the set rate of $29.99 a month, personalized weekly wellness plans via the Mutually Well App and discounts on health and wellness products and services like massage therapy, acupuncture and more.

Editor’s Take
Carley Prendergast
Carley Prendergast
Carley Prendergast
Deputy Editor, Forbes Health
Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creating content, you can find her boating on the Chesapeake Bay, chasing around her three toddler nephews or trying a new outdoor lunch spot with her Pomeranian, Leo.
Carley Prendergast
Carley Prendergast
Carley Prendergast
Deputy Editor, Forbes Health
Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creating content, you can find her boating on the Chesapeake Bay, chasing around her three toddler nephews or trying a new outdoor lunch spot with her Pomeranian, Leo.
Deputy Editor, Forbes Health

“Mutual of Omaha offers customers a wide variety of plans to choose from, and offers covers in locations throughout the country. There are 10 plans to choose from, with add-on benefits including discounts on healthy living products and services, as well as access to gyms and wellness plans. Depending on whether someone currently resides with a spouse or has lived with a spouse in the past year, customers may qualify for a 12% discount on their insurance premiums. Interested customers should be sure to contact Mutual of Omaha directly to learn more about what plans and benefits are available in their locations, as well as which plans best fit their budget and needs.”

Pros & Cons
  • A+ rating from A.M. Best in 2024, proving financial sustainability
  • Offers Part D (prescription drug) coverage specifically
  • Plans available in Washington, D.C. and Puerto Rico
  • One of the larger national providers of Medicare Supplement plans
  • Offers 15% discount on monthly dental insurance premiums when customers bundle dental insurance policies with their Medicare Supplement plans
  • Offers hearing and vision care benefits with some plans, including discounts on eye exams and frames, as well as hearing tests and hearing aids
  • Interested customers must enter their personal information to receive plan recommendations
  • All types of Medigap plans aren’t available in every area
  • Doesn’t mention additional lifestyle benefits, such a gym memberships or transportation, offered by competitor insurers
  • Poor average customer reviews on both BBB and Trustpilot
Best Financial Reputation

Aetna

Aetna
4.0
All ratings are determined solely by our editorial team.
  • Coverage available in 48 states and Washington, D.C.
  • Offers seven types of Medigap plans (A, B, D, G+, N, C, F+)
  • Policies can include additional benefits beyond what regulations require
  • Company Better Business Bureau (BBB) rating: A+ (based on more than 355 reviews)
  • Trustpilot average customer rating: 1.3 out of 5 stars (based on more than 155 reviews)
See Plans
On Healthcare.com
Why We Picked It

Aetna, which is a CVS Health company, offers its customers competitively-priced Medicare Supplement plan coverage, including high-deductible options for eligible customers. The company offers seven Medicare Supplement plans though certain plans, such as Plan F+, are only available to customers who enrolled in Medicare prior to January 2020. Like most insurers on this list, Aetna Medicare Supplement plan availability varies depending on the state in which an individual lives.

Editor’s Take
Jessica Lester
Jessica Lester
Jessica Lester
Lead Editor, Forbes Health
Jessica is a writer, editor and media professional who has spent her career working with some of the most influential names in media. Prior to joining Forbes Health, Jessica was the manager of creative communications at Hearst, where she specialized in high-level production and project management. As a freelance writer, Jessica has written across a range of topics, including entertainment, travel and career. Her work can be found in Variety, Paste Magazine, The Muse and on her personal website (jessicamlester.com).
Jessica Lester
Jessica Lester
Jessica Lester
Lead Editor, Forbes Health
Jessica is a writer, editor and media professional who has spent her career working with some of the most influential names in media. Prior to joining Forbes Health, Jessica was the manager of creative communications at Hearst, where she specialized in high-level production and project management. As a freelance writer, Jessica has written across a range of topics, including entertainment, travel and career. Her work can be found in Variety, Paste Magazine, The Muse and on her personal website (jessicamlester.com).
Lead Editor, Forbes Health

“Aetna provides health insurance to an estimated 39 million people across the U.S., a portion of which receive their Medicare coverage through the company. Aetna Medicare Supplement plan offerings allow customers with a variety of needs to choose a plan that best suits them, including customers looking for high-deductible plans. As with all Medicare coverage, interested customers should contact the company directly to learn more about coverage options, as they do vary based on a person’s location.”

Pros & Cons
  • A+ rating from A.M. Best in 2024
  • Offers Part D (prescription drug) coverage specifically
  • Quotes available online, as well as educational articles for interested individuals
  • Good nationwide coverage despite smaller market share compared to competing insurers
  • Straightforward plan information available directly on company website
  • Customer support available seven days a week
  • Limited plan information available on company website
  • Plans not available in Massachusetts or Washington
  • Fewer discounts and health and wellness perks than competing insurers
  • Not BBB-accredited

Methodology: How We Picked the Best Medicare Supplement Providers of 2024

To determine the best Medicare Supplement providers for 2024, the Forbes Health editorial team evaluated all insurance companies that offer plans nationwide in terms of:

  • How many states in which they provide coverage
  • The number of Medigap plan types they offer
  • Whether they offer Part D (prescription drug) coverage specifically
  • Whether they can provide additional coverage beyond what’s required of Medigap plans by federal regulations
  • A.M. Best rankings in terms of financial health (which impacts how reliable an insurer is when it comes to paying claims)
  • J.D. Power rankings in terms of consumer feedback

We focused exclusively on providing general summaries of the companies, their range of insurance products and their reputations. In order to provide specific plan recommendations accurately, it’s important to take into account the ZIP code and demographic details of the individual seeking insurance coverage. To do so, we recommend using Medicare.gov’s plan finder tool or seeking the expertise of an independent, agnostic insurance agent.

FEATURED PARTNER OFFER partner offer
We receive compensation from our partners for Featured Partner Offer placements. While this may influence where their products or services appear on our site, it in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice. Our partners cannot pay us to guarantee favorable review of their products or services.
Compare And Find The Best Medicare Supplement Insurance Plan
Compare And Find The Best Medicare Supplement Insurance Plan
  • Choose from ten standardized Medicare supplement plan options
  • Compare the benefits offered by each type of plan online
  • 1,500 licensed agents, all based in the USA
  • Call to speak to a licensed insurance agent to help find the best Medicare plan for your needs
telephone Call Now
Get A Quote
On Medicare Supplement's Website

What Is a Medicare Supplement (Medigap) Plan?

Medicare Supplement, also known as Medigap, is a private insurance policy purchased to help pay for what isn’t covered by Original Medicare (which includes Part A and Part B). These secondary coverage plans only apply with Original Medicare—not other private insurance policies, standalone Medicare plans or Medicare Advantage plans.

Medigap plans generally don’t cover prescriptions, so you may want to consider enrolling in Medicare Part D, which specifically covers prescription drugs, or a Medicare Advantage plan that includes drug coverage.

Medigap plans aren’t the same as Medicare Part C, also known as Medicare Advantage. While a Medicare Advantage plan can serve as an alternative way to get Medicare Part A and Part B coverage, Medigap plans only cover what Part A and Part B do not.

What Do Medicare Supplement Plans Cover?

Medigap supplement plans cover many out-of-pocket costs that may come with Original Medicare but aren’t covered by Part A or B, including:

  • Deductibles are the amounts you pay for health care services or prescriptions before your Medicare plan provider contributes payment.
  • Copayments are fixed amounts you may need to pay for certain benefits after paying a deductible.
  • Coinsurance is an amount (usually a percentage) you may need to pay for certain services after paying a deductible.

Additionally, some Medigap plans may also cover emergency medical services when traveling outside of the U.S.

Who Is Eligible for Medicare Supplement Plans?

To be eligible for a Medicare Supplement plan, you must be enrolled in Original Medicare Part A and Part B, but not a Medicare Advantage plan. You must also be in one of the following categories:

  • Age 65 and older
  • Under 65 and receiving disability benefits
  • Under 65 and diagnosed with amyotrophic lateral sclerosis (ALS)
  • Under 65 and diagnosed with end-stage renal disease (ESRD)

Companies could delay coverage up to six months for a pre-existing condition if you didn’t have creditable coverage (other health insurance) before enrolling in Medicare.

Your Medicare Supplement open enrollment period starts the first month you sign up for Medicare Part B insurance at age 65 or older, even if you delayed enrollment because you had group health coverage. Medigap policies cannot be canceled by the insurance company even if your health status changes as long as you pay your premiums. If you’re already enrolled in a Medigap plan, you may apply to buy or switch plans.


How Much Does Medicare Supplement Cost?

“Medicare supplements vary in rate by carrier and plan choice. Not every carrier offers all plans,” says Brandy Corujo, partner of Cornerstone Insurance Group in Seattle. Policy prices for Medigap are set by the individual insurance companies selling them. Companies set their premium pricing in one of three ways:

  • Community-rated: Premiums are the same regardless of age.
  • Issue or entry age-rated: Premiums are cheaper if the policy is purchased at a younger age. Premiums do not increase with age.
  • Attained-age-rated: Premiums are based on your age at the time of purchase. As you age, your premium increases.

Some factors that may also influence your rates include your location, gender, marital status and lifestyle (like if you smoke).

Medigap plans are purchased through a private insurance company, and you pay a monthly premium for the policy directly to the company. Medigap policies can be purchased from any insurance company licensed to sell one in your state, but available policies and prices will depend on your state. Medigap plans only cover one person, so married couples need to purchase separate policies.

Pro Tip

Medicare beneficiaries with income over a set amount are required to pay a monthly fee in addition to their Medicare Part B and Part D premiums called an income-related monthly adjustment amount, or IRMAA.

What Is the Least Expensive Medicare Supplement Plan?

The cost of Medigap monthly premiums varies depending on factors like the insurance company’s pricing policies and an individual’s age, sex and personal health history.

For example, a person living in North Carolina might expect to pay the following prices for various Medigap plans, based on their location:

Keep in mind, Medicare Supplement plans C, F, and F high deductible are no longer available to purchase if you turned 65 on or after January 1, 2020. They may be unavailable to some people under age 65 as well.


Medicare Supplement Plans F, G and N: Which Is Best?

Medicare Supplement plans F, G and N are the most popular Medigap plans with the highest rates of enrollment nationwide. Which one is best depends on the beneficiary and their specific health care needs.

Medicare Supplement Plan F

By and large, Plan F is the most popular Medicare Supplement plan due to its coverage of more out-of-pocket Medicare costs than any other Medigap plan type. Plan F pays for Medicare deductibles, copays and other costs associated with Medicare-covered services, so beneficiaries don’t have to worry about out-of-pocket expenses. However, Plan F is no longer available to any Medicare beneficiary who became eligible for Medicare on or after January 1, 2020.

Medicare Supplement Plan G

Due to these enrollment restrictions, Plan G is becoming the most popular Medicare Supplement plan type for new Medicare enrollees, as it covers the most Medicare costs of any Medigap plan type that’s available to all beneficiaries. Plan G beneficiaries only have to pay their annual Medicare Part B deductible, after which the plan provides 100% coverage on all Medicare-covered medical expenses.

Medicare Supplement Plan N

Lastly, Plan N is the third most popular type of Medicare Supplement plan, which supports enrollees interested in a broad range of coverage. It provides 100% of Medicare Part B coinsurance costs, with the exception of $20 copays for office visits and $50 copays for emergency room (ER) visits. Beneficiaries are responsible for the annual Part B deductible as well. This structure keeps the cost of the plan relatively low despite risking higher out-of-pocket expenses, which is why it’s generally preferred by those with fewer medical needs.

FEATURED PARTNER OFFER partner offer
We receive compensation from our partners for Featured Partner Offer placements. While this may influence where their products or services appear on our site, it in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice. Our partners cannot pay us to guarantee favorable review of their products or services.
Need Help Finding The Medicare Supplement Insurance Options That Work Best For You?
Need Help Finding The Medicare Supplement Insurance Options That Work Best For You?
  • Keep your Medicare doctor
  • 1,500 licensed agents, all based in the USA
  • No pushy sales tactics
  • Receive support making confident, informed decisions about your coverage
telephone Call Now
Click Here For A Free Quote
On Medicare Supplement's Website

The Pros and Cons of Medicare Supplement Plans

Medicare Supplement plans offer various attractive components, as well as other features that may not fit your needs or preferences. Consider both the benefits and drawbacks below before enrolling in a Medigap plan.

PROS CONS
Help mitigate the costs of health care not covered by Original Medicare, such as copayments, coinsurance and deductibles
Plans sold after 2005 don’t include prescription drug coverage, so beneficiaries may also need to enroll in a Medicare Part D plan
Can provide coverage for services that Original Medicare doesn’t cover, such as medical care needed during travel outside the U.S.
Doesn’t cover long-term care, such as nursing homes, private-duty nursing, services for vision or dental, eyeglasses or hearing aids
Some plans come with additional perks and benefits not required by CMS, such as discounts on fitness memberships, meal delivery and more
Require a monthly premium in addition to the Part B monthly premium you pay to Medicare

Medicare Supplement Plans vs. Medicare Advantage

Medicare Advantage plans serve as a substitute for Original Medicare, providing that same coverage plus additional benefits like prescription drugs coverage (Part D). Meanwhile, Medicare Supplement plans, or Medigap plans, are sold by private insurance companies to people enrolled in Original Medicare to help fill the gaps of that coverage.

The 10 types of Medigap plans provide standardized coverage to beneficiaries nationwide and help pay for things like deductibles, coinsurance and copays. Because plan coverages are standardized, only monthly premium rates vary from provider to provider. It’s also important to note that Medigap policies don’t cover prescription drugs. A person enrolled in Original Medicare who wants prescription drug coverage needs to purchase a separate Medicare Part D plan in addition to any Medicare Supplement plan.

Meanwhile, Medicare Advantage policies are only standardized in that they must provide the same benefits of Original Medicare, as the plans serve as a direct substitute. After this threshold is met, private insurance providers can add any number of benefits and services to a plan—prescription drugs, dental care, vision care and more—to make them more comprehensive (and often more expensive). Monthly premium rates for Medicare Advantage plans tend to vary dramatically based on location and the list of benefits provided.


How to Choose the Best Medicare Supplement Plan for You

To find the right Medigap plan for you, first ask yourself:

  • What are my health care needs now and possibly in the future? Consider your current health status as well as your family history.
  • What is my health care budget now and in the future?

Medicare Supplement Plans Comparison Chart

There are 10 standardized Medigap plans with letter names A through N. Plans with the same letter must offer the same basic benefit regardless of the insurance company providing the plan. For example, all Medigap Plan A policies provide the same benefit, but health insurance company premiums vary based on the way they choose to set rates—community-rated, entry age-rated or attained-age-rated.

Table comparing 10 standardized Medigap plans


How to Sign Up for Medicare Supplement Plans in 2024

Signing up for a Medigap plan is easy. “Medicare supplements may be bought through an agent or from the carrier directly,” says Corujo. Since there’s no annual open enrollment period, you may join at any time.

To buy a Medigap policy, it’s best to enroll during your Medigap Open Enrollment period, which lasts six months. This period begins the first month you have Medicare Part B and are 65 or older. You can buy any Medigap policy sold in your state during this time, even if you have health problems.

Follow the steps below to purchase your Medigap plan:

  • Enroll in Medicare Part A and Part B. This step is required to purchase a Medigap plan. Remember: Medicare and Medigap plans don’t cover prescription drugs, so you may also want to consider enrolling in a Medicare Advantage plan or a plan that offers drug coverage. If you choose a Medicare Advantage plan, you cannot then enroll in a Medigap plan. If you’re already enrolled in a Medicare Advantage plan, consider whether a Medigap plan would benefit you; if so, drop your Medicare Advantage plan before buying a Medigap plan.
  • Find which insurance companies in your state are licensed to sell Medigap plans by visiting Medicare.gov.
  • Compare costs between companies. Costs will vary depending on the company, state and other factors, but the coverage they offer will be the same.
  • Select a Medigap plan that works best for you and purchase your policy.

When Is the Best Time to Enroll in a Medicare Supplement Plan?

The best time to enroll in a Medicare Supplement plan is during your initial Medigap Open Enrollment Period, the six-month window that begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B. This enrollment period is the only timeframe in which insurance companies cannot deny you a policy based on your health status or any medical condition.

Attempting to enroll in a Medicare Supplement plan at any other time outside this enrollment period could result in penalty fees or denial of coverage.

FEATURED PARTNER OFFER partner offer
We receive compensation from our partners for Featured Partner Offer placements. While this may influence where their products or services appear on our site, it in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice. Our partners cannot pay us to guarantee favorable review of their products or services.
Compare Plans From Every Major Carrier
Compare Plans From Every Major Carrier
  • Americans have saved $1,100 on average with Chapter
  • Find the benefits that fit your needs
  • A+ rating from the Better Business Bureau
  • Trusted and recommended by thousands
  • Chapter recommends plans from every single insurance carrier
  • Call to speak to a licensed insurance agent. Weekdays 9AM-9PM and Saturdays 9AM-8PM EST
telephone Call Now
Get A Quote
On Chapter's Website

Final Thoughts

Our list of the best Medicare Supplement providers offers a view of qualified, reputable insurance companies for older adults looking to enroll in coverage. These providers were reviewed and chosen based on details like their financial standing (A.M. Best rating), plan variance, additional benefits and geographical coverage areas. However, the best Medicare Supplement provider and plan for you is the one that best suits your specific health needs, preferences and location requirements. When choosing your plan, consider your budget, where you live, your annual health expenses, additional coverage you may need and whether coverage is available within your previously established network.


Summary: Compare the Best Medicare Supplement Providers for 2024

Blue Cross Blue Shield
Forbes Health
5.0
See Plans

On Healthcare.com

Best Nationwide Coverage
Humana
Forbes Health
4.9
See Plans

On MedicareSupplement.com

Best Additional Plan Benefits
AARP by UnitedHealthcare
Forbes Health
4.8
See Plans

On Healthcare.com

Best Membership Perks
Mutual of Omaha
Forbes Health
4.8
Get A Quote

On Mutual of Omaha’s Website

Best Plan Variety
Aetna
Forbes Health
4.0
See Plans

On Healthcare.com

Best Financial Reputation
PRODUCT FORBES HEALTH RATINGS BEST FOR LEARN MORE
Blue Cross Blue Shield
Blue Cross Blue Shield
Forbes Health
5.0
Best Nationwide Coverage
See Plans

On Healthcare.com

Humana
Humana
Forbes Health
4.9
Best Additional Plan Benefits
See Plans

On MedicareSupplement.com

AARP by UnitedHealthcare
AARP by UnitedHealthcare
Forbes Health
4.8
Best Membership Perks
See Plans

On Healthcare.com

Mutual of Omaha
Mutual of Omaha
Forbes Health
4.8
Best Plan Variety
Get A Quote

On Mutual of Omaha’s Website

Aetna
Aetna
Forbes Health
4.0
Best Financial Reputation
See Plans

On Healthcare.com

Alena Hall also contributed to this article.


Frequently Asked Questions (FAQs)

What is the best Medicare Supplement plan?

The best Medicare Supplement plan for you ultimately depends on your specific health care needs, lifestyle and budget. With that said, Plan G is quickly becoming the most popular Medicare Supplement plan type for new Medicare enrollees. With the exception of Plan F, which is no longer available to all beneficiaries, Plan G covers the most Medicare costs of any Medigap plan type. Those enrolled in Plan G are only responsible for paying their annual Medicare Part B deductible. After that point, the plan provides 100% coverage on all Medicare-covered medical expenses.

What is the most popular Medicare Supplement plan?

Plan F, Plan G and Plan N are the most popular types of Medicare Supplement plans. Medicare Supplement Plan F is the most comprehensive Medigap option available, providing beneficiaries with 100% coverage of Medicare-covered medical expenses after Original Medicare pays its portion. Medicare Supplement Plan G leaves beneficiaries responsible only for their annual Medicare Part B deductible, after which the plan provides 100% coverage on all Medicare-covered medical expenses. Finally, Medicare Supplement Plan N is considered a pay-as-you-go type of plan that tends to be the most affordable for beneficiaries who don’t require medical care regularly but are interested in emergency coverage.

Is Plan F the best Medicare Supplement plan?

Medicare Supplement Plan F is considered one of the best Medigap plan types due to its comprehensive nature. However, only those who were eligible for Medicare on or before January 1, 2020, can still sign up for Plan F. People who already had or were covered by Medicare Plan F before January 1, 2020, are also able to keep their plan. All other Medicare enrollees must select another type of Medigap plan.

Who regulates Medicare Supplement plans?

All Medigap plans must follow both federal and state laws and regulations in terms of how they’re labeled and what coverage they provide. Most states have a government department of insurance or similar entity that helps ensure that all private insurance providers offering plans of a certain letter or type are meeting the standards set by Medicare and marketing the plans accurately. The Centers for Medicare and Medicaid Services (CMS) also conducts targeted market conduct examinations on an as-needed basis and responds to consumer inquiries and complaints to make sure all players remain compliant with Medigap plan standards.

Is it better to have Medicare Supplement or Medicare Advantage?

Whether a person purchases a Medicare Advantage or Medigap plan depends on their specific health care needs. Medicare Advantage plans serve as a substitute for Original Medicare, providing the same coverage plus additional benefits like prescription drugs coverage (Part D). Meanwhile, Medigap plans are sold by private insurance companies to people enrolled in Original Medicare to help fill the gaps of that coverage. Medigap plans provide standardized coverage and help pay for things like deductibles, coinsurance and copays. However, Medigap policies don’t cover prescription drugs. A person enrolled in Original Medicare who wants prescription drug coverage must purchase a separate Medicare Part D plan in addition to any Medicare Supplement plan.

When can I change my Medicare Supplement plan?

Technically, you can change which Medicare Supplement plan you’re enrolled in at any time after your six-month open enrollment period closes. However, unless the rate on your current plan is increasing and you want to shop for a lower rate, there’s generally few reasons to switch Medigap plans. You also aren’t guaranteed that your application for a new plan will be accepted outside your initial enrollment period.

When does Medicare Supplement open enrollment take place?

Medigap open enrollment is a six month period that begins when an individual enrolls in Medicare Part B and is at least 65 years old. Some states may offer additional enrollment periods. After the enrollment period ends, you may not be able to buy Medigap or you may purchase it for an increased price.

How long does Medicare Supplement open enrollment last?

The initial open enrollment period for Medicare Supplement coverage lasts six months, beginning the month you’re both at least 65 years old and enrolled in Medicare Part B coverage. You can try to enroll in a Medigap plan outside this open enrollment period as well, but you may be denied coverage or subject to medical underwriting, potentially leading to higher monthly premiums for the same benefits.

Sources

References

  • 2021 Guide To Choosing A Medigap Policy. Medicare.gov. Accessed 8/28/2021.
  • Original Medicare (Part A and B) eligibility and enrollment. Cms.gov. Accessed 8/28/2021.
  • How to compare Medigap policies. Medicare.gov. Accessed 8/28/2021.
  • Find a Medicare plan. Medicare.gov. Accessed 8/28/2021.
  • How to get prescription drug coverage. Medicare.gov. Accessed 8/28/2021.
  • 2020 Choosing A Medigap Policy: A Guide To Health Insurance For People With Medicare. Medicare.gov. Accessed 8/28/2021.
  • When can I buy Medigap?. Medicare.gov. Accessed 8/28/2021.
  • What’s Medicare Supplement Insurance (Medigap)?. Medicare.gov. Accessed 8/28/2021.
  • Switching Medigap policies. Medicare.gov. Accessed 8/28/2021.
  • Medigap & Medicare Advantage Plans. Medicare.gov. Accessed 8/28/2021.
  • AARP/UnitedHealthcare Medicare Supplement Reviews. MedicareGuide. Accessed 9/22/2021.
  • AARP History. Aarp.org. Accessed 9/23/2021.
  • AARP® Medicare Supplement Insurance Plans insured by UnitedHealthcare. AARP Medicare Plans. Accessed 9/23/2021.
  • Financial Strength and Credit Ratings. Cigna. Accessed 9/22/2021.
  • Cigna Company History. Cigna.com. Accessed 9/23/2021.
  • Gronwald K-D. Company Profiles. In: Global Communication and Collaboration. Springer Berlin Heidelberg; 2017:125-155.
  • Financial Strength. Mutual of Omaha. Accessed 9/22/2021.
  • Medicare Supplement Insurance Plans, cover out of pocket costs. Mutualofomaha.com. Accessed 9/23/2021.
  • Supplement Health Insurance for Medicare, Medicare supplement plan. Mutualofomaha.com. Accessed 9/23/2021.
  • Learn what Medigap Covers. Medicare.gov. Accessed 8/16/2023.
  • Learn How Medigap Works. Medicare.gov. Accessed 8/16/2023.
  • Medicare and You 2023: The Official U.S. Government Medicare Handbook. U.S. Centers for Medicare and Medicaid Services. Accessed 8/16/2023.

Next Up In Medicare

  • Best Medicare Advantage Plans
  • Best Medicare Part D Plans
  • Medicare vs. Medicaid: What’s The Difference?
  • Medicare Advantage vs. Medicare Supplement
  • Blue Cross Medicare Advantage Review
  • Humana Medicare Advantage Review
  • What Is Medicare?

Information provided on Forbes Health is for educational purposes only. Your health and wellness is unique to you, and the products and services we review may not be right for your circumstances. We do not offer individual medical advice, diagnosis or treatment plans. For personal advice, please consult with a medical professional.

Forbes Health adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved or otherwise endorsed by our advertisers.

Tamrah Harris
Tamrah Harris Health Writer

Tamrah Harris is a registered nurse and certified personal trainer through the American College of Sports Medicine. She is the founder and CEO of Harris Health and Wellness Communications. She has over 25 years of experience in healthcare with a passion for health education and wellness.

Carley Prendergast
Carley Prendergast Deputy Editor, Forbes Health

Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and member of the Peloton community. When she's not creating content, you can find her boating on the Chesapeake Bay, chasing around her three toddler nephews or trying a new outdoor lunch spot with her Pomeranian, Leo.

Find The Best Medicare Plans
  • Best Medicare Advantage Plans
  • Best Medicare Part D Plans
  • Aetna Medicare Advantage Review
  • AARP Medicare Advantage Review
  • Blue Cross Blue Shield Medicare Advantage Review
  • Medicare Advantage vs. Medicare Supplement (Medigap)
© 2024 Forbes Media LLC. All Rights Reserved.
  • AdChoices
  • AdChoices
  • Privacy Statement
  • Do Not Sell or Share My Personal Information
  • Limit the Use of My Sensitive Personal Information
  • Privacy Preferences
  • Digital Terms of Sale
  • Terms of Service
  • Contact Us
  • Send Us Feedback
  • Report a Security Issue
  • Jobs At Forbes
  • Reprints & Permissions
  • Forbes Press Room
  • Advertise