Compare several leading Medicare Supplement Insurance (Medigap) companies to help you find the best Medigap plan for your coverage needs and your budget.
Medicare Supplement Insurance plans (also called Medigap) are sold by dozens of private insurance companies all over the U.S. When shopping for coverage, it’s important to find the right plan for your unique needs and also to find the right insurance company.
Different companies may sell Medigap plans that have different prices and terms, and each insurance company has an individual reputation you may want to consider.
Below is a guide to 10 Medicare Supplement Insurance companies to help you choose the best one for your needs.
Comparing Medicare Supplement Insurance Companies
The list below includes some of the companies that sell Medicare Supplement Insurance plans in select states across the U.S.
Please note that our guide is meant to be informational and to help you as you start finding the right plan and plan carrier for your needs. Some of the companies listed below may not offer Medigap plans in your area, and you may find a Medicare Supplement carrier in your area that fits your need and isn’t on this list.
This list identifies several of the top 10 insurance companies in no particular order.
Humana
Cigna
Blue Cross Blue Shield
Aetna
ManhattanLife
Mutual of Omaha
Medico Insurance Company
WellCare
It’s important to keep in mind that although each company’s plan selection and pricing may differ, the coverage included in each type of Medigap plan remains the same, no matter where you purchase it.
In other words, Medigap Plan A sold by one company will include the same essential benefits as Medigap Plan A sold by any other insurance company. Their costs and the availability of the types of plans, however, may vary.
Medigap plans in Massachusetts, Minnesota and Wisconsin are standardized differently than they are in every other state. Learn more about Medigap plans in your state.
You can use the chart below to compare each type of 2021 standardized Medicare Supplement plan.
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020,... you may still be able to enroll in Plan F or Plan C as long as they are available in your area.
1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.+ Read more
Humana
Humana was awarded Best in Customer Service 2020 among health insurance companies by Newsweek. 1
Humana offers the following Medigap plans (plan availability may vary by location):
Plan A
Plan B
Plan C
Plan F
Plan G
Plan K
Medicare Supplement Plan F and Plan C are not available for sale to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020.
Cigna
Cigna is ranked number 13 on the Fortune 500 list.2
Depending on your location, the Medicare Supplement Insurance plans you may be able to apply for from Cigna* may include:
Plan G
Plan N
Plan A
Plan F
High Deductible Plan F
*Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company.
Blue Cross Blue Shield
Blue Cross Blue Shield (BCBS) is among the leading health insurance carriers in the U.S., and BCBS companies were the very first to work in conjunction with Medicare.
There are now 36 different locally operated BCBS companies administering coverage in all 50 states.
Blue Cross Blue Shield offers several Medigap plans, including Plan F, Plan G and Plan N.
Plan availability may vary, depending on where you live.
Aetna offers a diverse portfolio of insurance products that includes Medigap plans. Over 1 million people trust Aetna for their Medicare Supplement Insurance.3
Aetna offers several different types of Medigap plans. Plan availability may vary based on your location. Some of the Medicare Supplement plans that Aetna may offer in your area include:
With roots dating back to 1850, ManhattanLife is one of the oldest continuously operating insurance companies in the world.
Medicare Supplement plan options available from ManhattanLife include Plan A, Plan C, Plan F, Plan G and Plan N. Plan availability may vary by location.
Mutual of Omaha Medicare Supplement Insurance plans come with an Additional Benefit Rider that may include services such as discounts on fitness programs, hearing care and vision care.
Mutual of Omaha offers several types of Medigap plans. Depending on where you live, you may be able to apply for Mutual of Omaha Medicare Supplement Insurance policies such as Plan F, Plan G and Plan N.
Medico Insurance Company
Medico sells Medicare Supplement Insurance in 25 states and offers several popular Medigap plans, such as Plan A, Plan F, Plan G and Plan N.
Medico offers a number of plan discounts for things like automatic premium withdrawal, being a non-smoker or living with another person over the age of 18.
In 2020, WellCare was named one of Fortune Magazine’s “Most Admired Companies,” and the company boasts a number of community-based programs designed to help members navigate their local social support network and connect to community resources.4
The list above only includes 10 of the best Medicare Supplement Insurance companies. But these are not the only companies that may offer Medigap coverage where you live.
Some other notable Medicare Supplement Insurance companies you may be able to consider include:
The chart below highlights the largest sellers of Medicare Supplement Insurance, as reported by the National Association of Insurance Commissioners (NAIC). While some of these companies offer Medicare Supplement Insurance nationwide, others may only be available for purchase on a more regional basis.
Top 20 Medicare Supplement Companies by Direct Premiums Earned (Individual and Group Policies)
Name of company
Direct premiums earned
Market share
Number of lives covered
UnitedHealthcare Insurance Company
3,300,829,731
14.4%
1,348,238
Health Care Service Corporation, A Mutual Legal Reserve Company
1,597,753,683
7%
635,527
United of Omaha Life Insurance Company
943,150,225
4.1%
334,781
Mutual of Omaha Insurance Company
762,138,169
3.3%
339,555
Omaha Insurance Company
653,798,506
2.9%
412,257
Colonial Penn Life Insurance Company
475,877,566
2.1%
221,914
Continental Life Insurance Company of Brentwood
457,008,531
2%
222,573
American Continental Insurance Company
455,068,518
2%
201,405
BCBS of Massachusetts
446,361,796
2%
203,249
BCBS of Florida
444,543,565
1.9%
182,703
BCBS of Michigan Mutual Insurance Company
439,539,502
1.9%
143,544
United World Life Insurance Company
434,609,185
1.9%
260,451
Humana Insurance Company
426,178,821
1.9%
201,493
Wellmark Incorporated
420,781,140
1.8%
174,420
American Retirement Life Insurance Company
400,914,963
1.7%
211,667
BCBS of North Carolina Incorporated
382,057,438
1.7%
161,424
Aetna Health & Life Insurance Company
354,356,816
1.5%
214,404
USAA Life Insurance Company
347,290,958
1.5%
148,983
Cigna Health & Life Insurance Company
304,378,490
1.3%
230,066
Anthem Health Plans of Virginia Incorporated
301,487,323
1.3%
129,741
Source: NAIC 2018 Medicare Supplement Loss Ratios Report (Issued 2019)
Find the best Medicare Supplement company for your needs
Learn more about Medigap plans by visiting MedicareSupplement.com, and find the best 2021 Medicare Supplement Insurance company and plan for your individual needs.
1Newsweek. America’s Best Customer Service 2020. (Aug. 2019). Retrieved from www.newsweek.com/americas-best-customer-service-2020/services-insurance#Health%20Insurance.
2Fortune. Fortune 500 List. Retrieved Dec. 2020, from http://fortune.com/fortune500/cigna.
4PRNewswire. WellCare Named to FORTUNE Magazine’s 2020 List of “World’s Most Admired Companies.” (Jan. 21, 2020). Retrieved from www.prnewswire.com/news-releases/wellcare-named-to-fortune-magazines-2020-list-of-worlds-most-admired-companies-300989623.html.
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