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August 23, 2024 
Author: Lindsay Malzone | 
Expert: Cory Smith | August 23, 2024 |
Medicare, which currently insures nearly 64 million Americans , covers a wide range of medical and health care expenses, but it won’t cover everything. Coinsurance, hospital fees, copayments, blood transfusions, and extended skilled nursing facility stays all fall outside of Medicare coverage, making it essential to purchase a Medigap policy. Medigap plans, also known as Medicare Supplement Insurance, are a type of policy that covers the “gaps” in one's Medicare coverage. As people get older and their likelihood of needing medical care increases, a Medigap policy helps defray out-of-pocket costs. In this guide to the best Medigap providers, we'll walk through several of our favorite Medigap providers and explore what sets them apart from the competition.
In this short video, our Managing Editor, Ryan Molloy, explains the basics of Medicare Supplement Insurance.
Also known as Medicare Supplement Insurance, a Medigap policy provides extra coverage, ensuring that you won’t be hit with any surprise charges for health care. Here are some of this year’s best Medigap providers.
Pro Tip: Are you new to the world of Medicare supplemental insurance? Take a look at our guide — What Is Medigap? —to learn about eligibility, enrollment dates, and types of coverage.
| Provider | Plan A Premium | Plan F Premium |
|---|---|---|
| Aetna | $111.21 | $175.68 |
| Mutual of Omaha | $95.42 | $152.50 |
| Cigna | $148.21 | $211.33 |
| ManhattanLife | $92.17 | $144.42 |
| AARP/UnitedHealthcare | $75.71 | $166.32 |
| Colonial Penn | $94.12 | $148.78 |
| Anthem Blue Cross Blue Shield | $212.29 | $240.09 |
| Humana | $171.86 | $233.17 |
*The listed premiums are based on a 70-year-old nonsmoking woman living in Kentucky.
Humana was founded in 1961 as a nursing company, and today offers Medigap plans to people around the nation.
Available Plans
Humana offers Medigap Plans A, F, G, K, and N.
Network Restrictions
Your plan is good wherever Medicare is accepted.
Extra Benefits
Some Humana Medicare Supplement plans offer Healthy Living options that include vision and/or dental.
Humana offers a smooth online experience, an excellent range of plans, and supportive staff on hand if you need help. You can even arrange a meeting with a representative. Humana provides a customer-friendly experience with easy search options and a decent range of plans to cover all eventualities.
Anthem is the largest for-profit healthcare company in the Blue Cross Blue Shield Association. The company, headquartered in Indiana, was founded in 1946 as Mutual Hospital Insurance Inc. and Mutual Medical Insurance Inc.
Available Plans
Anthem Medicare Supplement plans include A, F, G, and N.
Network Restrictions
Your plan is good anywhere Medicare is accepted.
Extra Benefits
Some plans offer a 5 percent discount if someone else in your household is enrolled in an Anthem Medicare supplement. Some plans also offer additional dental and vision benefits for an extra premium.
Cigna was formed in Philadelphia in 1972 as the Insurance Company of North America. It now serves customers in more than 30 countries, offering health insurance, dental insurance, and, of course, Medigap policies. One of the great things about Cigna is that it often provides coverage for people with preexisting conditions.
Available Plans
Cigna offers Medigap Plans F, High-Deductible F, G, N, and A.
Network Restrictions
Your insurance is good for any doctor who accepts Medicare.
Extra Benefits
With Cigna Medigap plans, you can take advantage of savings on a range of health and wellness programs. You can often save on premiums if more than one person in your household enrolls in a Medigap plan. Cigna’s policies are guaranteed renewable for life, which means your coverage won’t get canceled because of a downturn in your health.
Cigna Medicare Supplement plans are straightforward, and its website has a wealth of information to help you make informed choices. You can also receive a free quote through the company’s website or customer service line.
Aetna dates back to the 1800s, when it was known as Aetna Fire Insurance. Aetna now offers private health insurance, Medigap plans, dental coverage, and prescription-drug plans to more than 22 million members in 42 states. Best of all, Aetna policies are portable, so you won’t have to change your Medigap policy if you move to another state.
Available Plans
Aetna Medicare Supplement plans include A, B, C, D, F, High-Deductible F, G, High-Deductible G, and N.
Network Restrictions
Your Aetna plan is good for any provider who accepts Medicare.
Extra Benefits
With Aetna, your Medigap plan is guaranteed for renewal even if your health changes. You can also receive discounts by purchasing multiple insurance plans. Aetna offers two helpful apps: Aetna Health, which helps you keep track of your account and coverage, and Attain by Aetna, a lifestyle app that helps you maintain your health.
To get started with Aetna, visit the company’s website to learn about the policies offered in your area and receive a free quote in a matter of minutes.
